Asset Class
| Asset | Type | Allocation | TER |
|---|---|---|---|
IS3R.XETRA iShares Edge MSCI World Momentum Factor UCITS ETF (Acc) • IE00BP3QZ825 | ETF | 36.5% | 0.25% |
IS3S.XETRA iShares Edge MSCI World Value Factor UCITS ETF • IE00BP3QZB59 | ETF | 12.0% | 0.25% |
ZPRV.XETRA SPDR MSCI USA Small Cap Value Weighted UCITS ETF • IE00BSPLC413 | ETF | 12.0% | 0.3% |
LU1623762843 CARMIGNAC PTF UNC CRD-AEURC • LU1623762843 | FUND | 9.2% | 1.2% |
SGLD.AS Invesco Physical Gold ETC • IE00B579F325 | ETC | 7.0% | 0.12% |
IS3N.XETRA iShares Core MSCI Emerging Markets IMI UCITS • IE00BKM4GZ66 | ETF | 6.5% | 0.18% |
LU1694789451 DNCA Invest Alpha Bonds A EUR • LU1694789451 | FUND | 4.6% | 1.15% |
LU1915690595 Nordea 1 - European Covered Bond Opportunities Fund BP EUR • LU1915690595 | FUND | 4.6% | 0.65% |
LU1164219682 AXA WORLD-EUR CR TOT RT-A • LU1164219682 | FUND | 4.6% | 1.1% |
XDW0.XETRA Xtrackers MSCI World Energy UCITS ETF 1C 1C • IE00BM67HM91 | ETF | 3.0% | 0.25% |
| Total | 100.0% | 0.43% |
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +3.9% | +2.5% | -5.3% | +9.1% | +6.0% | +4.0% | -5.0% | +1.5% | +2.4% | -1.4% | - | - | +18.0% |
| 2025 | +4.8% | -1.1% | -5.4% | -2.7% | +4.9% | +0.3% | +2.8% | +0.6% | +3.5% | +2.6% | +0.7% | +1.0% | +12.1% |
| 2024 | +3.2% | +5.6% | +4.7% | -1.5% | +1.4% | +3.2% | +0.5% | -0.9% | +1.5% | +1.7% | +5.5% | -2.1% | +24.9% |
| 2023 | +2.1% | -0.1% | -2.6% | +0.2% | -0.8% | +3.7% | +2.4% | -0.3% | -0.7% | -2.7% | +4.1% | +4.2% | +9.5% |
| 2022 | -4.0% | -0.7% | +3.7% | -2.7% | -1.9% | -5.7% | +5.9% | +0.1% | -4.7% | +5.5% | +1.0% | -3.8% | -7.9% |
| 2021 | +2.6% | +1.4% | +3.6% | +1.9% | -0.4% | +2.2% | +0.3% | +2.2% | -0.2% | +3.6% | -0.7% | +2.2% | +20.4% |
| 2020 | +0.4% | -6.1% | -10.5% | +7.7% | +2.3% | +2.8% | +0.6% | +4.1% | -1.0% | -1.1% | +6.6% | +2.1% | +6.5% |
| 2019 | +1.4% | +3.0% | +1.6% | +2.4% | -3.0% | +3.6% | +3.0% | -0.9% | +1.6% | -0.3% | +2.6% | +1.7% | +17.6% |
Riccardo returned +12.70% a year over the 8 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.