Asset Class
| Asset | Type | Allocation | TER |
|---|---|---|---|
VWCE.XETRA Vanguard FTSE All-World UCITS ETF (USD) Accumulating • IE00BK5BQT80 | ETF | 60.0% | 0.19% |
IS3N.XETRA iShares Core MSCI Emerging Markets IMI UCITS • IE00BKM4GZ66 | ETF | 20.0% | 0.18% |
EUNA.XETRA iShares Core Global Aggregate Bond UCITS ETF EUR Hedged (Acc) • IE00BDBRDM35 | ETF | 10.0% | 0.1% |
IUSN.XETRA iShares MSCI World Small Cap UCITS ETF • IE00BF4RFH31 | ETF | 10.0% | 0.35% |
| Total | 100.0% | 0.20% |
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +2.5% | +2.8% | -6.0% | +8.5% | +5.9% | +1.5% | -2.8% | +2.5% | +1.3% | -0.5% | - | - | +15.9% |
| 2025 | +3.5% | -1.8% | -5.6% | -3.5% | +5.0% | +1.5% | +4.0% | +0.0% | +3.1% | +4.1% | -0.6% | +0.5% | +10.0% |
| 2024 | +1.3% | +3.1% | +3.3% | -1.3% | +0.7% | +4.1% | +0.8% | -0.7% | +2.3% | +0.1% | +5.2% | -1.3% | +18.9% |
| 2023 | +5.2% | -0.9% | -0.1% | -0.6% | +1.5% | +3.1% | +2.9% | -1.7% | -1.4% | -3.7% | +5.4% | +4.0% | +14.1% |
| 2022 | -3.6% | -2.0% | +2.1% | -1.9% | -2.8% | -5.4% | +7.3% | -1.0% | -6.5% | +2.0% | +2.8% | -4.8% | -13.6% |
| 2021 | +1.8% | +2.3% | +4.4% | +0.9% | -0.0% | +3.8% | -0.6% | +2.4% | -1.5% | +3.3% | -0.3% | +2.9% | +21.0% |
| 2020 | -1.6% | -6.8% | -11.5% | +8.4% | +1.6% | +3.0% | +0.4% | +4.0% | -0.3% | -0.8% | +8.1% | +2.6% | +5.5% |
| 2019 | - | - | - | - | - | - | -0.1% | -2.0% | +2.9% | +0.3% | +3.2% | +2.7% | +7.1% |
Pension plan 4 returned +10.38% a year over the 7 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.