Euro denominated Vanguard three-fund strategy on Trading212 mixing US large-cap exposure (S&P 500), developed European stocks, and high-quality Eurozone government bonds in roughly equal parts to balance growth and stability for long-term investors.
Asset Class
| Asset | Type | Allocation | TER |
|---|---|---|---|
VUAA.F Vanguard S&P 500 UCITS ETF (USD) Accumulating • IE00BFMXXD54 | ETF | 33.4% | 0.07% |
VGEA.XETRA Vanguard EUR Eurozone Government Bond UCITS ETF Accumulating • IE00BH04GL39 | ETF | 33.3% | 0.07% |
VWCG.XETRA Vanguard FTSE Developed Europe UCITS ETF (EUR) Accumulating • IE00BK5BQX27 | ETF | 33.3% | 0.1% |
| Total | 100.0% | 0.08% |
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +1.2% | +1.8% | -4.8% | +5.1% | +3.5% | +1.4% | -0.6% | +0.5% | -0.2% | +1.3% | - | - | +9.4% |
| 2025 | +3.5% | +0.0% | -4.9% | -1.1% | +3.8% | -0.1% | +2.4% | -0.4% | +1.6% | +2.9% | +0.1% | +0.4% | +8.3% |
| 2024 | +2.0% | +1.1% | +3.5% | -1.6% | +1.5% | +2.0% | +1.3% | +0.2% | +0.6% | -0.1% | +4.4% | -1.1% | +14.5% |
| 2023 | +3.7% | +0.5% | +0.4% | +1.0% | +0.9% | +1.9% | +1.4% | -0.5% | -1.9% | -2.0% | +5.3% | +3.5% | +14.6% |
| 2022 | -3.5% | -2.7% | +1.8% | -2.2% | -1.9% | -5.4% | +7.4% | -3.5% | -5.6% | +3.8% | +2.5% | -4.2% | -13.6% |
| 2021 | -0.2% | +1.5% | +4.0% | +1.6% | +0.5% | +3.0% | +2.2% | +1.8% | -2.4% | +3.4% | +1.0% | +2.7% | +20.4% |
| 2020 | - | -6.9% | -9.2% | +6.5% | +2.1% | +1.0% | +0.6% | +2.8% | -0.5% | -2.3% | +7.0% | +1.6% | +1.4% |
Three-Fund Equity & Bond Portfolio (Trading212) returned +7.67% 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.