Asset Class
| Asset | Type | Allocation | TER |
|---|---|---|---|
SPYI.XETRA SPDR MSCI All Country World Investable Market UCITS ETF (Acc) • IE00B3YLTY66 | ETF | 45.0% | 0.17% |
SXRV.XETRA iShares Nasdaq 100 UCITS ETF (Acc) • IE00B53SZB19 | ETF | 30.0% | 0.3% |
CEBL.XETRA iShares MSCI EM Asia UCITS ETF (Acc) • IE00B5L8K969 | ETF | 10.0% | 0.2% |
IS3R.XETRA iShares Edge MSCI World Momentum Factor UCITS ETF (Acc) • IE00BP3QZ825 | ETF | 10.0% | 0.25% |
4GLD.XETRA Xetra-Gold • DE000A0S9GB0 | ETF | 5.0% | 0% |
| Total | 100.0% | 0.21% |
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +2.0% | +1.2% | -5.9% | +11.2% | +8.3% | +1.8% | -4.9% | +2.9% | +3.5% | -1.6% | - | - | +18.4% |
| 2025 | +4.0% | -2.7% | -7.6% | -3.5% | +6.9% | +1.5% | +4.9% | -0.7% | +4.3% | +5.2% | -1.0% | +0.4% | +11.4% |
| 2024 | +2.8% | +4.3% | +3.6% | -1.4% | +1.4% | +6.5% | -1.3% | -0.8% | +2.5% | +1.5% | +6.0% | +0.1% | +27.7% |
| 2023 | +5.9% | +0.2% | +2.0% | -0.8% | +4.9% | +3.4% | +2.6% | -0.7% | -1.8% | -3.0% | +5.9% | +4.1% | +24.6% |
| 2022 | -5.9% | -1.9% | +4.2% | -3.6% | -4.1% | -5.3% | +8.8% | -1.3% | -6.1% | +1.9% | +1.3% | -5.9% | -17.5% |
| 2021 | +2.0% | +1.2% | +4.3% | +2.0% | -1.1% | +5.4% | +0.7% | +3.4% | -2.3% | +5.2% | +1.6% | +2.4% | +27.2% |
| 2020 | +1.0% | -6.7% | -8.2% | +10.4% | +1.8% | +4.0% | +1.5% | +6.6% | -1.4% | -1.9% | +7.0% | +2.9% | +16.6% |
| 2019 | +8.2% | +3.4% | +3.2% | +3.6% | -5.4% | +4.1% | +4.2% | -1.6% | +2.0% | +0.7% | +4.2% | +2.6% | +32.7% |
| 2018 | +2.5% | -0.7% | -4.2% | +3.5% | +5.1% | -0.4% | +1.7% | +3.2% | +0.2% | -5.8% | +0.5% | -7.8% | -3.2% |
| 2017 | +0.5% | +5.6% | +1.0% | -0.2% | -0.4% | -1.6% | +0.0% | +0.2% | +1.7% | +4.5% | -0.5% | +1.3% | +12.6% |
| 2016 | -6.6% | +0.8% | +1.3% | -1.3% | +4.5% | +0.2% | +4.6% | +0.5% | +0.9% | +0.5% | +3.8% | +1.8% | +10.9% |
| 2015 | +6.4% | +5.8% | +2.9% | -1.4% | +2.0% | -3.8% | +2.1% | -8.0% | -2.9% | +10.3% | +3.6% | -3.6% | +12.7% |
| 2014 | - | - | - | - | - | - | - | - | - | +3.4% | +3.8% | +1.2% | +8.6% |
Finalmente returned +14.41% 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.