Asset Class
| Asset | Type | Allocation | TER |
|---|---|---|---|
VAGF.XETRA Vanguard Global Aggregate Bond UCITS ETF EUR Hedged Accumulating • IE00BG47KH54 | ETF | 48.0% | 0.08% |
VDTE.XETRA Vanguard USD Treasury Bond UCITS ETF EUR Hedged Accumulating • IE00BMX0B631 | ETF | 20.0% | 0.1% |
VGEA.XETRA Vanguard EUR Eurozone Government Bond UCITS ETF Accumulating • IE00BH04GL39 | ETF | 13.0% | 0.07% |
VDCE.XETRA Vanguard USD Corporate Bond UCITS ETF EUR Hedged Accumulating • IE00BGYWFL94 | ETF | 12.0% | 0.1% |
VECA.XETRA Vanguard EUR Corporate Bond UCITS ETF Accumulating • IE00BGYWT403 | ETF | 5.0% | 0.07% |
VGUE.XETRA Vanguard U.K. Gilt UCITS ETF EUR Hedged Accumulating • IE00BMX0B524 | ETF | 2.0% | 0.1% |
| Total | 100.0% | 0.09% |
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +1.9% | -0.0% | -4.2% | +1.6% | -0.1% | -1.7% | -0.7% | +0.7% | +0.0% | - | - | - | -2.6% |
| 2025 | +0.8% | +1.1% | +3.3% | +5.5% | -0.0% | +4.6% | -1.8% | +1.0% | +1.2% | -0.8% | +0.5% | +0.8% | +17.2% |
| 2024 | -2.5% | -1.1% | +0.7% | -3.1% | +2.4% | -0.4% | +2.8% | +3.3% | +1.8% | -4.1% | -1.7% | -3.5% | -5.6% |
| 2023 | +3.8% | -4.9% | +4.8% | +2.0% | -3.9% | +1.8% | +0.6% | -1.7% | -4.7% | -0.7% | +6.6% | +4.7% | +7.7% |
| 2022 | -2.9% | -1.7% | -3.6% | -8.3% | +1.2% | -4.1% | +0.3% | -5.3% | -6.2% | -0.1% | +7.9% | +1.3% | -20.3% |
| 2021 | -2.2% | -2.8% | -3.2% | +2.5% | +1.7% | -2.0% | +1.4% | -0.8% | -3.2% | -0.3% | -1.4% | -0.8% | -10.7% |
| 2020 | - | - | - | - | - | - | - | - | -0.9% | -0.7% | +4.0% | +2.1% | +4.6% |
Vanguard LifeStrategy 60% (only bonds) returned -2.42% a year over the 6 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.