Asset Class
| Asset | Type | Allocation | TER |
|---|---|---|---|
VWCE.XETRA Vanguard FTSE All-World UCITS ETF (USD) Accumulating • IE00BK5BQT80 | ETF | 80.0% | 0.19% |
SXRQ.XETRA iShares Euro Government Bond 7-10yr UCITS ETF (Acc) • IE00B3VTN290 | ETF | 20.0% | 0.15% |
| Total | 100.0% | 0.18% |
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +1.2% | +1.7% | -4.9% | +6.9% | +5.1% | +1.1% | -1.5% | +1.7% | +1.1% | +0.5% | - | - | +13.1% |
| 2025 | +3.4% | -1.6% | -6.1% | -2.6% | +4.7% | +0.7% | +3.7% | -0.3% | +2.4% | +3.7% | -0.4% | +0.2% | +7.7% |
| 2024 | +2.1% | +2.7% | +3.1% | -1.7% | +0.9% | +4.0% | +0.7% | -0.3% | +1.7% | +0.4% | +5.9% | -1.2% | +19.7% |
| 2023 | +4.6% | -0.5% | +0.8% | -0.0% | +1.9% | +2.8% | +2.1% | -0.7% | -1.8% | -2.7% | +5.3% | +3.9% | +16.3% |
| 2022 | -3.9% | -2.0% | +2.5% | -2.6% | -2.9% | -5.1% | +8.2% | -2.3% | -5.8% | +2.9% | +1.5% | -5.3% | -14.8% |
| 2021 | +0.7% | +1.9% | +4.8% | +1.0% | -0.1% | +3.7% | +0.9% | +2.3% | -1.7% | +3.5% | +0.5% | +2.9% | +22.3% |
| 2020 | -0.0% | -6.5% | -9.3% | +7.2% | +1.7% | +2.1% | +0.0% | +4.2% | -0.5% | -1.3% | +7.0% | +1.7% | +5.1% |
| 2019 | - | - | - | - | - | - | +0.1% | -1.1% | +2.5% | -0.1% | +3.1% | +1.6% | +6.2% |
80/20 returned +9.87% a year over the 7 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.