Asset Class
| Asset | Type | Allocation | TER |
|---|---|---|---|
SPYI.XETRA SPDR MSCI All Country World Investable Market UCITS ETF (Acc) • IE00B3YLTY66 | ETF | 20.0% | 0.17% |
LYXF.XETRA Amundi Euro Government Bond 15+Y UCITS ETF Acc • LU1287023268 | ETF | 20.0% | 0.15% |
8PSG.F Invesco Physical Gold ETC • IE00B579F325 | ETF | 20.0% | 0.12% |
ZPRX.XETRA SPDR MSCI Europe Small Cap Value Weighted UCITS ETF • IE00BSPLC298 | ETF | 20.0% | 0.3% |
XEON.XETRA Xtrackers II EUR Overnight Rate Swap UCITS ETF 1C • LU0290358497 | ETF | 20.0% | 0.1% |
| Total | 100.0% | 0.17% |
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +3.3% | +3.4% | -5.9% | +3.1% | +2.1% | -1.9% | -0.1% | +2.5% | -1.8% | +1.0% | - | - | +5.3% |
| 2025 | +3.4% | +0.5% | -1.6% | +0.4% | +2.4% | -0.4% | +1.8% | +0.0% | +3.6% | +2.6% | +0.9% | +1.3% | +15.9% |
| 2024 | +0.4% | +0.2% | +3.9% | +0.5% | +1.1% | +0.1% | +2.3% | +0.1% | +1.8% | +0.7% | +2.1% | -0.9% | +12.9% |
| 2023 | +4.5% | -1.1% | +0.9% | +0.1% | +0.3% | +0.5% | +1.1% | -0.6% | -2.5% | -0.4% | +4.1% | +3.6% | +10.7% |
| 2022 | -1.4% | -0.5% | +0.1% | -0.8% | -2.5% | -4.6% | +4.8% | -3.3% | -4.6% | +1.4% | +3.5% | -2.9% | -10.8% |
| 2021 | -0.1% | +0.1% | +2.9% | +1.0% | +1.5% | -0.6% | +2.2% | +1.4% | -2.0% | +2.1% | +0.2% | +1.3% | +10.2% |
| 2020 | +1.3% | -2.5% | -8.2% | +5.5% | +0.6% | +1.7% | +1.7% | +1.1% | -0.4% | -0.7% | +3.4% | +2.4% | +5.4% |
| 2019 | +4.4% | +1.6% | +1.1% | +1.6% | -2.0% | +3.8% | +1.7% | +2.5% | +0.7% | +0.0% | +0.9% | +1.5% | +19.1% |
| 2018 | +0.3% | -0.9% | -0.7% | +1.7% | +0.7% | -1.0% | +0.3% | -0.3% | -0.4% | -1.8% | -0.5% | -1.5% | -4.1% |
| 2017 | -0.8% | +2.9% | +0.1% | +0.9% | -0.7% | -2.0% | +0.2% | +0.6% | +0.9% | +0.8% | -0.2% | +0.9% | +3.6% |
| 2016 | -1.1% | +2.9% | +0.4% | +0.8% | +0.9% | +1.3% | +2.3% | -0.1% | -0.0% | -1.2% | -0.5% | +1.7% | +7.5% |
| 2015 | - | +1.8% | +2.1% | -1.6% | +0.2% | -3.6% | +1.1% | -3.2% | -1.4% | +4.5% | +0.8% | -2.9% | -2.4% |
EU Golden Butterfly returned +5.95% a year over the 12 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.