Asset Class
| Asset | Type | Allocation | TER |
|---|---|---|---|
V80A.XETRA Vanguard LifeStrategy 80% Equity UCITS ETF (EUR) Accumulating • IE00BMVB5R75 | ETF | 80.0% | 0.25% |
PPFB.XETRA iShares Physical Gold ETC • IE00B4ND3602 | ETF | 20.0% | 0.12% |
| Total | 100.0% | 0.22% |
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +4.4% | +3.1% | -6.4% | +4.2% | +3.2% | -2.3% | -1.2% | +3.5% | -0.3% | +0.8% | - | - | +8.9% |
| 2025 | +4.6% | -0.9% | -2.9% | -2.1% | +3.4% | -0.1% | +3.5% | +0.4% | +4.8% | +4.1% | +1.2% | +1.0% | +17.9% |
| 2024 | +2.0% | +2.0% | +4.2% | -0.4% | +0.8% | +3.3% | +1.0% | +0.5% | +2.0% | +1.9% | +4.2% | -1.0% | +22.5% |
| 2023 | +4.1% | -0.9% | +1.6% | -0.3% | +2.0% | +1.1% | +2.0% | -0.8% | -1.6% | -0.7% | +3.9% | +2.8% | +13.8% |
| 2022 | -3.3% | -0.4% | +2.9% | -1.3% | -3.2% | -3.9% | +6.2% | -1.9% | -4.3% | +1.4% | +1.7% | -3.3% | -9.5% |
| 2021 | - | - | - | - | - | - | +0.2% | +1.8% | -1.6% | +3.1% | +0.8% | +2.5% | +6.8% |
LifeStrategy 2 returned +11.00% a year over the 5 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.