Asset Class
| Asset | Type | Allocation | TER |
|---|---|---|---|
SXR8.XETRA iShares Core S&P 500 UCITS ETF USD (Acc) • IE00B5BMR087 | ETF | 70.0% | 0.07% |
IUSN.XETRA iShares MSCI World Small Cap UCITS ETF • IE00BF4RFH31 | ETF | 10.0% | 0.35% |
EMIM.AS iShares Core MSCI Emerging Markets IMI UCITS ETF (Acc) • IE00BKM4GZ66 | ETF | 10.0% | 0.18% |
IGLD.XETRA iShares Physical Gold EUR Hedged ETC • IE0009JOT9U1 | ETF | 10.0% | 0.25% |
| Total | 100.0% | 0.13% |
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +1.9% | +1.3% | -5.6% | +8.5% | +5.7% | +0.1% | -2.0% | +3.1% | +0.6% | - | - | - | +13.7% |
| 2025 | +4.0% | -2.9% | -6.3% | -3.7% | +5.5% | +1.4% | +4.9% | -0.0% | +4.0% | +4.5% | +0.3% | +0.5% | +12.1% |
| 2024 | +2.5% | +3.7% | +4.1% | -1.4% | +1.0% | +5.4% | +0.6% | -0.6% | +2.4% | +2.1% | +6.6% | -1.3% | +27.8% |
| 2023 | +4.8% | -0.2% | +0.5% | -0.2% | +2.8% | +3.4% | +2.7% | -0.4% | -2.2% | -2.5% | +5.3% | +4.0% | +18.8% |
| 2022 | - | - | - | - | - | - | +4.2% | -1.2% | -5.7% | +3.4% | +0.0% | -5.2% | -4.8% |
Basic portfolio + Gold 10% returned +15.84% a year over the 4 years above. Run those same monthly returns forward through 10,000 simulated paths, with your own savings and target retirement age, to see when they could reach your FIRE number.