Asset Class
| Asset | Type | Allocation | TER |
|---|---|---|---|
VWRA.LSE Vanguard FTSE All-World UCITS ETF (USD) Accumulating • IE00BK5BQT80 | ETF | 55.0% | 0.19% |
IWVL.LSE iShares Edge MSCI World Value Factor UCITS ETF • IE00BP3QZB59 | ETF | 20.0% | 0.25% |
IWMO.LSE iShares Edge MSCI World Momentum Factor UCITS ETF (Acc) • IE00BP3QZ825 | ETF | 10.0% | 0.25% |
EMVL.LSE iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) • IE00BG0SKF03 | ETF | 10.0% | 0.4% |
SMH.LSE VanEck Semiconductor UCITS ETF • IE00BMC38736 | ETF | 5.0% | 0.35% |
| Total | 100.0% | 0.24% |
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +5.4% | +2.5% | -8.6% | +14.9% | +10.6% | +1.0% | -4.5% | +4.4% | +0.7% | -3.3% | - | - | +23.0% |
| 2025 | +3.7% | -1.6% | -3.1% | +0.8% | +6.5% | +5.5% | +1.3% | +2.5% | +4.2% | +3.9% | +0.2% | +2.5% | +29.5% |
| 2024 | +1.1% | +4.0% | +4.1% | -2.8% | +3.2% | +3.3% | +0.6% | +1.1% | +2.4% | -2.3% | +2.5% | -1.6% | +16.3% |
| 2023 | +6.7% | -2.1% | +2.3% | +1.1% | -1.1% | +6.2% | +3.9% | -2.8% | -3.2% | -3.9% | +9.1% | +5.8% | +22.9% |
| 2022 | -4.6% | -1.3% | +1.9% | -7.4% | -0.3% | -9.1% | +5.1% | -3.0% | -8.7% | +4.7% | +7.4% | -1.7% | -17.3% |
| 2021 | +1.1% | +2.9% | +2.9% | +3.5% | +1.8% | +0.2% | +0.1% | +2.1% | -3.1% | +3.2% | -1.8% | +4.2% | +18.2% |
| 2020 | - | - | - | - | - | - | - | - | - | - | - | +2.2% | +2.2% |
Dickran XTB Final test 3 returned +15.04% a year over the 6 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.