Diversified ETF portfolio for retirement income: 75% global equities, 20% bonds, 5% gold, targeting 6% returns with 4% annual withdrawals. Hedged S&P 500.
Asset Class
| Asset | Type | Allocation | TER |
|---|---|---|---|
VGWD.XETRA Vanguard FTSE All-World High Dividend Yield UCITS ETF Distributing • IE00B8GKDB10 | ETF | 25.0% | 0.29% |
SPPE.XETRA State Street SPDR S&P 500 UCITS ETF EUR Hedged • IE00BYYW2V44 | ETF | 21.5% | 0.05% |
IS3M.XETRA iShares EUR Ultrashort Bond UCITS ETF EUR (Dist) • IE00BCRY6557 | ETF | 10.0% | 0.09% |
VDIV.XETRA VanEck Morningstar Developed Markets Dividend Leaders UCITS ETF • NL0011683594 | ETF | 10.0% | 0.38% |
IBC3.XETRA iShares Core MSCI Emerging Markets IMI UCITS ETF • IE00BD45KH83 | ETF | 8.5% | 0.18% |
EMBE.LSE iShares J.P. Morgan Emerging Markets Bond EUR Hedged UCITS • IE00B9M6RS56 | ETF | 5.0% | 0.5% |
EUN5.XETRA iShares Core EUR Corporate Bond UCITS ETF (Dist) • IE00B3F81R35 | ETF | 5.0% | 0.09% |
SGLD.AS Invesco Physical Gold ETC • IE00B579F325 | ETC | 5.0% | 0.12% |
XSX7.XETRA Xtrackers Stoxx Europe 600 UCITS ETF 1D • LU2581375156 | ETF | 5.0% | 0.07% |
DXSA.XETRA Xtrackers Euro Stoxx Quality Dividend UCITS ETF 1D • LU0292095535 | ETF | 5.0% | 0.3% |
| Total | 100.0% | 0.20% |
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +3.0% | +3.3% | -4.8% | +4.9% | +3.0% | +0.4% | +0.5% | +1.8% | -0.8% | +0.9% | - | - | +12.4% |
| 2025 | +4.0% | +0.5% | -2.4% | -2.0% | +3.8% | +0.8% | +2.5% | +1.1% | +2.3% | +2.5% | +1.2% | +1.3% | +16.5% |
| 2024 | +1.1% | +2.9% | +3.8% | -0.8% | +1.3% | +1.7% | +1.7% | +0.4% | +1.9% | -0.1% | +3.0% | -1.5% | +16.6% |
| 2023 | - | - | +2.9% | +0.9% | -0.7% | +3.0% | +2.6% | -1.6% | -1.2% | -2.9% | +4.8% | +3.5% | +11.6% |
Retirement 75/25 - Euro Focus returned +16.03% 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.
Total Dividends Received
€1,201.41
122 payments
Dividend Yield
2.53%
(annualized)
Avg Per Payment
€9.85
per event
All dividends are automatically reinvested at the payment date. The portfolio value shown includes the compounding effect of dividend reinvestment.
| Year | Dividends |
|---|---|
| 2026 | €301.59 |
| 2025 | €345.33 |
| 2024 | €319.76 |
| 2023 | €234.75 |
| Total | €1,201.41 |