I'm building this portfolio to help me prepare for mid-term financial goals, mainly things like house renovations over the next five years. It’s designed with stability and flexibility in mind, balancing potential growth with lower risk options. I'm not chasing big wins, I want my money to work quietly in the background, but at a better rate than MoneyMarket funs, so that when it’s time to rebuild the kitchen, fix up the bathroom, or make some upgrades, I'll have a solid pot ready.
Asset Class
| Asset | Type | Allocation | TER |
|---|---|---|---|
IE1A.XETRA iShares EUR Corporate Bond 1-5yr UCITS ETF EUR (Acc) • IE000F6G1DE0 | ETF | 30.0% | 0.2% |
EUN0.XETRA iShares Edge MSCI Europe Minimum Volatility UCITS ETF • IE00B86MWN23 | ETF | 20.0% | 0.25% |
CSH2.PA Amundi Smart Overnight Return UCITS ETF Acc • LU1190417599 | ETF | 20.0% | 0.1% |
IBCI.XETRA iShares Euro Inflation Linked Government Bond UCITS ETF • IE00B0M62X26 | ETF | 10.0% | 0.09% |
IEVL.LSE iShares Edge MSCI Europe Value Factor UCITS ETF • IE00BQN1K901 | ETF | 10.0% | 0.25% |
EGLN.LSE iShares Physical Gold ETC • IE00B4ND3602 | ETF | 10.0% | 0.12% |
| Total | 100.0% | 0.18% |
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +2.6% | +2.8% | -3.3% | +1.1% | +0.8% | -0.5% | +0.5% | +1.1% | -2.0% | +1.4% | - | - | +4.4% |
| 2025 | +2.8% | +1.6% | +0.1% | +0.7% | +1.3% | -0.8% | +0.7% | +0.5% | +1.3% | +1.7% | +1.1% | +0.7% | +12.1% |
| 2024 | +0.4% | +0.1% | +2.4% | +0.4% | +1.1% | -0.1% | +1.9% | +1.0% | +0.9% | +0.1% | +0.9% | -0.4% | +8.8% |
| 2023 | +2.2% | +0.1% | +1.2% | +0.9% | -0.6% | +0.0% | +1.1% | -0.6% | -0.9% | +0.0% | +2.1% | +1.6% | +7.4% |
| 2022 | - | - | - | +0.0% | -1.4% | -3.0% | +3.1% | -2.9% | -3.1% | +1.5% | +2.7% | -1.3% | -4.5% |
Mid-Term Portfolio Alt returned +6.19% 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.