This all‑weather portfolio is built for Eurozone-based investors and aims for steadier long-term returns across different economic conditions by combining global stocks, Euro and global bonds, cash-like money market funds, and real assets such as gold and commodities. Each asset class has a clear role so that when one part of the market struggles, other parts of the portfolio are designed to help cushion the impact, reducing volatility without relying on market timing.
Asset Class
| Asset | Type | Allocation | TER |
|---|---|---|---|
ACWE.PA State Street SPDR MSCI All Country World UCITS ETF USD Unhedged (Acc) • IE00B44Z5B48 | ETF | 50.0% | 0.12% |
XEON.XETRA Xtrackers II EUR Overnight Rate Swap UCITS ETF 1C • LU0290358497 | ETF | 15.0% | 0.1% |
SXRP.XETRA iShares Euro Government Bond 3-7yr UCITS ETF (Acc) • IE00B3VTML14 | ETF | 10.0% | 0.15% |
EUNA.XETRA iShares Core Global Aggregate Bond UCITS ETF EUR Hedged (Acc) • IE00BDBRDM35 | ETF | 10.0% | 0.1% |
8PSG.F Invesco Physical Gold ETC • IE00B579F325 | ETF | 7.5% | 0.12% |
SXRS.XETRA iShares Diversified Commodity Swap UCITS ETF • IE00BDFL4P12 | ETF | 7.5% | 0.19% |
| Total | 100.0% | 0.12% |
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +2.1% | +1.8% | -2.7% | +4.4% | +2.7% | -0.4% | -0.5% | +2.4% | +0.8% | +0.6% | - | - | +11.4% |
| 2025 | +2.9% | -0.9% | -3.2% | -2.2% | +2.7% | +0.3% | +2.7% | +0.0% | +2.7% | +3.2% | +0.3% | +0.4% | +9.2% |
| 2024 | +1.9% | +1.6% | +2.8% | -0.3% | +0.6% | +2.8% | +0.2% | +0.0% | +1.8% | +1.0% | +3.9% | -0.3% | +17.2% |
| 2023 | +2.9% | -0.5% | +0.4% | -0.1% | +1.5% | +0.9% | +2.3% | -0.4% | -1.1% | -1.3% | +3.0% | +2.1% | +10.3% |
| 2022 | -1.8% | -0.3% | +2.7% | -0.5% | -1.9% | -4.1% | +5.3% | -1.5% | -3.9% | +1.3% | +0.8% | -3.4% | -7.3% |
| 2021 | +0.9% | +1.2% | +3.0% | +1.4% | +0.4% | +2.3% | +1.1% | +1.5% | -0.8% | +2.8% | +0.1% | +2.1% | +17.2% |
| 2020 | +0.3% | -4.2% | -6.6% | +5.0% | +1.0% | +1.7% | +0.7% | +2.5% | -0.7% | -0.9% | +3.8% | +1.4% | +3.5% |
| 2019 | +4.5% | +1.8% | +1.5% | +1.8% | -2.6% | +2.8% | +2.1% | -0.2% | +1.6% | -0.0% | +1.9% | +1.0% | +17.1% |
| 2018 | - | - | - | +1.3% | +2.0% | -0.6% | +0.7% | +0.3% | +0.5% | -3.6% | +0.7% | -2.8% | -1.6% |
All-Weather Inspired EUR Portfolio returned +8.75% a year over the 8 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.