Asset Class
| Asset | Type | Allocation | TER |
|---|---|---|---|
SPYI.XETRA SPDR MSCI All Country World Investable Market UCITS ETF (Acc) • IE00B3YLTY66 | ETF | 50.0% | 0.17% |
XEON.XETRA Xtrackers II EUR Overnight Rate Swap UCITS ETF 1C • LU0290358497 | ETF | 20.0% | 0.1% |
4GLD.XETRA Xetra-Gold • DE000A0S9GB0 | ETF | 15.0% | 0% |
SC0C.XETRA Invesco STOXX Europe 600 UCITS ETF • IE00B60SWW18 | ETF | 10.0% | 0.19% |
SPYM.XETRA SPDR MSCI Emerging Markets UCITS ETF • IE00B469F816 | ETF | 5.0% | 0.18% |
| Total | 100.0% | 0.13% |
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +3.2% | +2.6% | -5.4% | +5.1% | +3.8% | -0.3% | -1.1% | +2.6% | +0.1% | +0.4% | - | - | +11.1% |
| 2025 | +4.3% | -0.6% | -3.3% | -2.0% | +3.5% | -0.0% | +3.1% | +0.5% | +3.6% | +3.7% | +0.8% | +1.2% | +15.4% |
| 2024 | +1.6% | +2.2% | +3.8% | -0.2% | +0.8% | +2.7% | +0.9% | +0.0% | +1.8% | +1.2% | +3.6% | -0.9% | +18.9% |
| 2023 | +4.2% | -0.5% | +0.8% | -0.2% | +1.3% | +1.6% | +2.0% | -0.9% | -1.3% | -1.4% | +3.6% | +2.8% | +12.6% |
| 2022 | -2.5% | -0.6% | +2.5% | -0.7% | -2.6% | -3.9% | +5.1% | -1.4% | -4.0% | +1.8% | +2.3% | -3.1% | -7.2% |
| 2021 | +0.8% | +0.7% | +4.0% | +1.0% | +1.0% | +1.9% | +0.7% | +1.8% | -1.7% | +3.3% | -0.1% | +2.6% | +17.3% |
| 2020 | +0.1% | -5.0% | -7.5% | +6.6% | +0.9% | +2.0% | +0.9% | +2.7% | -0.8% | -1.5% | +4.8% | +2.3% | +4.7% |
| 2019 | +5.8% | +2.2% | +1.5% | +2.1% | -3.4% | +3.5% | +2.4% | -0.2% | +1.5% | +0.3% | +2.3% | +2.1% | +21.8% |
| 2018 | +1.0% | -1.4% | -2.1% | +2.4% | +2.1% | -1.0% | +1.2% | +0.2% | +0.2% | -3.1% | +0.5% | -4.5% | -4.7% |
| 2017 | +0.2% | +3.8% | +0.5% | -0.2% | -1.1% | -1.1% | -0.5% | +0.1% | +1.6% | +2.1% | -0.8% | +1.1% | +6.0% |
| 2016 | -3.6% | +1.6% | +0.6% | +1.1% | +1.4% | +1.0% | +2.8% | +0.0% | +0.4% | +0.1% | +1.8% | +1.7% | +9.0% |
| 2015 | +6.4% | +3.5% | +2.1% | -1.1% | +1.3% | -2.9% | +0.2% | -5.6% | -2.5% | +6.5% | +1.9% | -3.4% | +5.7% |
| 2014 | -0.8% | +2.6% | -0.3% | +0.2% | +2.3% | +1.8% | +0.5% | +2.8% | +0.1% | +0.2% | +1.9% | +0.6% | +12.6% |
| 2013 | +1.1% | +1.9% | +2.7% | -1.5% | +1.0% | -4.4% | +2.7% | -0.3% | +1.2% | +2.7% | +0.3% | -0.6% | +6.6% |
| 2012 | +4.8% | +1.7% | -0.2% | -0.5% | -2.0% | +1.7% | +3.8% | +0.3% | +1.0% | -1.3% | +0.9% | -0.1% | +10.1% |
| 2011 | - | - | - | - | +0.5% | -2.7% | +2.3% | -4.0% | -3.0% | +5.1% | +1.0% | +0.3% | -0.9% |
Balanced portfolio world/mf/gold/ 2mf long returned +8.72% a year over the 15 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.