Asset Class
| Asset | Type | Allocation | TER |
|---|---|---|---|
VWCE.XETRA Vanguard FTSE All-World UCITS ETF (USD) Accumulating • IE00BK5BQT80 | ETF | 30.0% | 0.19% |
EUNK.XETRA iShares Core MSCI Europe UCITS ETF EUR (Acc) • IE00B4K48X80 | ETF | 30.0% | 0.12% |
IWQU.LSE iShares Edge MSCI World Quality Factor UCITS ETF (Acc) • IE00BP3QZ601 | ETF | 20.0% | 0.25% |
VUAA.XETRA Vanguard S&P 500 UCITS ETF (USD) Accumulating • IE00BFMXXD54 | ETF | 10.0% | 0.07% |
IUSN.XETRA iShares MSCI World Small Cap UCITS ETF • IE00BF4RFH31 | ETF | 10.0% | 0.35% |
| Total | 100.0% | 0.18% |
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +1.8% | +2.7% | -6.1% | +7.3% | +4.7% | +2.4% | -0.7% | +1.7% | +0.3% | +1.2% | - | - | +15.8% |
| 2025 | +4.9% | -0.7% | -6.6% | -3.1% | +5.4% | +0.0% | +3.3% | +0.5% | +2.2% | +3.4% | +0.4% | +1.1% | +10.6% |
| 2024 | +2.3% | +3.5% | +3.7% | -1.9% | +2.3% | +2.5% | +0.9% | +0.4% | +0.7% | -0.4% | +5.4% | -1.5% | +19.1% |
| 2023 | +5.3% | +0.8% | -0.1% | +0.6% | +0.9% | +3.4% | +2.4% | -1.1% | -1.8% | -3.4% | +6.0% | +4.3% | +18.1% |
| 2022 | -5.0% | -2.0% | +3.3% | -1.8% | -2.9% | -6.7% | +9.2% | -2.5% | -6.1% | +4.8% | +2.6% | -4.6% | -12.3% |
| 2021 | +0.2% | +3.2% | +6.2% | +1.9% | +0.7% | +3.6% | +1.5% | +2.7% | -2.5% | +5.0% | -0.5% | +4.2% | +29.3% |
| 2020 | - | -10.7% | -12.1% | +8.7% | +2.6% | +2.0% | -0.9% | +5.2% | -1.1% | -2.8% | +10.3% | +2.7% | +1.3% |
ACC ETF max 50% VS returned +11.45% 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.