Built for decumulation over a planned 20-year retirement window, targeting a 6% nominal return. Provides a 4% annual income withdrawal while leaving 2% invested to offset inflation. Characteristics: underweight US, overweight Asia+Emerging Markets & Europe, EUR exposure 25-30%, Total Expense Ratio (TER) 0.20% per year, focus on physical fund replication.
Asset Class
| Asset | Type | Allocation | TER |
|---|---|---|---|
VGWD.XETRA Vanguard FTSE All-World High Dividend Yield UCITS ETF Distributing • IE00B8GKDB10 | ETF | 25.0% | 0.29% |
SPY5.XETRA State Street SPDR S&P 500 UCITS ETF USD Unhedged (Dist) • IE00B6YX5C33 | ETF | 21.5% | 0.03% |
IS3M.XETRA iShares EUR Ultrashort Bond UCITS ETF EUR (Dist) • IE00BCRY6557 | ETF | 10.0% | 0.09% |
VDIV.XETRA VanEck Morningstar Developed Markets Dividend Leaders UCITS ETF • NL0011683594 | ETF | 10.0% | 0.38% |
IBC3.XETRA iShares Core MSCI Emerging Markets IMI UCITS ETF • IE00BD45KH83 | ETF | 8.5% | 0.18% |
XSX7.XETRA Xtrackers Stoxx Europe 600 UCITS ETF 1D • LU2581375156 | ETF | 5.0% | 0.07% |
EMBE.LSE iShares J.P. Morgan Emerging Markets Bond EUR Hedged UCITS • IE00B9M6RS56 | ETF | 5.0% | 0.5% |
DXSA.XETRA Xtrackers Euro Stoxx Quality Dividend UCITS ETF 1D • LU0292095535 | ETF | 5.0% | 0.3% |
EUN5.XETRA iShares Core EUR Corporate Bond UCITS ETF (Dist) • IE00B3F81R35 | ETF | 5.0% | 0.09% |
SGLD.AS Invesco Physical Gold ETC • IE00B579F325 | ETC | 5.0% | 0.12% |
| Total | 100.0% | 0.20% |
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +2.9% | +3.4% | -4.2% | +4.5% | +3.1% | +0.9% | +0.4% | +1.6% | -0.3% | +1.1% | - | - | +13.9% |
| 2025 | +4.2% | +0.6% | -3.1% | -2.9% | +3.7% | +0.1% | +3.0% | +0.7% | +2.3% | +2.9% | +1.1% | +1.1% | +14.3% |
| 2024 | +1.6% | +3.0% | +3.8% | -0.6% | +1.0% | +1.9% | +1.6% | -0.0% | +1.8% | +0.6% | +3.7% | -1.2% | +18.5% |
| 2023 | - | - | +2.5% | +0.6% | +0.1% | +2.6% | +2.4% | -1.1% | -0.6% | -2.8% | +4.2% | +3.2% | +11.3% |
Retirement 75/25 returned +16.27% a year over the 4 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.
Total Dividends Received
€1,323.66
137 payments
Dividend Yield
2.78%
(annualized)
Avg Per Payment
€9.66
per event
All dividends are automatically reinvested at the payment date. The portfolio value shown includes the compounding effect of dividend reinvestment.
| Year | Dividends |
|---|---|
| 2026 | €325.26 |
| 2025 | €380.94 |
| 2024 | €351.89 |
| 2023 | €265.59 |
| Total | €1,323.66 |