Asset Class
| Asset | Type | Allocation | TER |
|---|---|---|---|
ACWI.PA Amundi MSCI All Country World UCITS ETF EUR Acc • LU1829220216 | ETF | 40.0% | 0.45% |
IS3R.XETRA iShares Edge MSCI World Momentum Factor UCITS ETF (Acc) • IE00BP3QZ825 | ETF | 15.0% | 0.25% |
4GLD.XETRA Xetra-Gold • DE000A0S9GB0 | ETF | 15.0% | 0% |
DBXG.XETRA Xtrackers Eurozone Government Bond 25+ UCITS ETF 1C • LU0290357846 | ETF | 10.0% | 0.15% |
XEON.XETRA Xtrackers II EUR Overnight Rate Swap UCITS ETF 1C • LU0290358497 | ETF | 10.0% | 0.1% |
IBCI.XETRA iShares Euro Inflation Linked Government Bond UCITS ETF • IE00B0M62X26 | ETF | 8.0% | 0.09% |
XHYA.XETRA Xtrackers EUR High Yield Corporate Bond UCITS ETF 1C • LU1109943388 | ETF | 2.0% | 0.2% |
| Total | 100.0% | 0.25% |
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +2.8% | +2.2% | -5.2% | +5.4% | +3.9% | +0.7% | -3.0% | +2.0% | +0.8% | -0.2% | - | - | +9.2% |
| 2025 | +3.6% | -0.9% | -4.2% | -1.0% | +3.2% | -0.2% | +2.6% | -0.4% | +3.9% | +3.3% | +0.5% | +0.7% | +11.3% |
| 2024 | +2.3% | +2.8% | +3.8% | -0.8% | +0.8% | +3.2% | +0.5% | -0.1% | +1.9% | +1.7% | +4.5% | -1.1% | +21.2% |
| 2023 | +3.1% | -1.1% | +1.3% | -0.2% | +1.4% | +1.0% | +1.7% | -0.4% | -2.3% | -0.8% | +4.2% | +3.2% | +11.7% |
| 2022 | -3.3% | -0.7% | +2.9% | -2.4% | -3.6% | -3.9% | +6.1% | -2.3% | -4.2% | +2.1% | +2.0% | -4.3% | -11.6% |
| 2021 | +0.7% | -0.7% | +3.2% | +1.2% | +0.3% | +2.1% | +1.7% | +1.6% | -1.4% | +3.5% | +0.7% | +1.6% | +15.4% |
| 2020 | +2.5% | -4.2% | -6.6% | +6.3% | +1.2% | +1.9% | +2.0% | +2.3% | -0.3% | -0.9% | +3.2% | +1.7% | +8.8% |
| 2019 | +4.9% | +2.0% | +2.1% | +1.9% | -2.0% | +4.0% | +3.2% | +1.6% | +0.6% | -0.4% | +1.8% | +0.6% | +21.9% |
| 2018 | +1.3% | -0.6% | -1.7% | +2.1% | +2.3% | -0.7% | +0.7% | +1.1% | +0.3% | -2.9% | +0.4% | -3.4% | -1.3% |
| 2017 | - | - | +0.8% | -0.1% | -0.7% | -1.2% | -0.3% | +0.2% | +1.3% | +2.9% | -0.3% | +0.3% | +3.0% |
Primera cartera returned +8.90% a year over the 10 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.