Asset Class
| Asset | Type | Allocation | TER |
|---|---|---|---|
EUNL.XETRA iShares Core MSCI World UCITS ETF USD (Acc) • IE00B4L5Y983 | ETF | 29.0% | 0.2% |
4GLD.XETRA Xetra-Gold • DE000A0S9GB0 | ETF | 22.0% | 0% |
IUSN.XETRA iShares MSCI World Small Cap UCITS ETF • IE00BF4RFH31 | ETF | 8.0% | 0.35% |
AMEM.F Amundi MSCI Emerging Markets Swap UCITS ETF EUR Acc • LU1681045370 | ETF | 8.0% | 0.2% |
EPRA.PA Amundi FTSE EPRA NAREIT Global UCITS ETF Acc • LU1437018838 | ETF | 7.0% | 0.24% |
DBXP.XETRA Xtrackers Eurozone Government Bond 1-3 UCITS ETF 1C • LU0290356871 | ETF | 7.0% | 0.1% |
DBXG.XETRA Xtrackers Eurozone Government Bond 25+ UCITS ETF 1C • LU0290357846 | ETF | 7.0% | 0.15% |
IBCI.XETRA iShares Euro Inflation Linked Government Bond UCITS ETF • IE00B0M62X26 | ETF | 7.0% | 0.09% |
EUNK.XETRA iShares Core MSCI Europe UCITS ETF EUR (Acc) • IE00B4K48X80 | ETF | 5.0% | 0.12% |
| Total | 100.0% | 0.15% |
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +4.0% | +3.7% | -6.0% | +4.1% | +3.0% | -0.8% | -1.4% | +2.3% | -1.0% | +0.7% | - | - | +8.3% |
| 2025 | +4.1% | -0.4% | -2.9% | -1.4% | +2.7% | -0.6% | +2.9% | +0.3% | +4.3% | +3.8% | +1.1% | +1.0% | +15.7% |
| 2024 | +0.8% | +1.5% | +4.2% | -0.5% | +0.7% | +2.2% | +2.0% | +0.1% | +2.3% | +1.5% | +3.8% | -1.8% | +18.0% |
| 2023 | +4.6% | -1.3% | +1.0% | -0.3% | +1.2% | +0.8% | +1.9% | -0.9% | -2.4% | -0.8% | +3.9% | +3.8% | +11.7% |
| 2022 | -2.7% | +0.0% | +2.5% | -0.9% | -3.9% | -3.9% | +6.0% | -2.5% | -4.8% | +1.1% | +2.8% | -3.8% | -10.3% |
| 2021 | +0.8% | -0.2% | +3.8% | +0.9% | +1.3% | +1.6% | +1.5% | +1.4% | -1.6% | +3.1% | +0.4% | +2.3% | +16.5% |
| 2020 | +1.5% | -4.3% | -8.4% | +6.9% | +1.0% | +2.1% | +1.6% | +1.7% | -0.6% | -0.7% | +3.3% | +2.1% | +5.5% |
| 2019 | +5.9% | +1.8% | +1.9% | +1.5% | -2.2% | +4.0% | +2.9% | +1.5% | +1.0% | +0.1% | +1.3% | +1.2% | +22.8% |
| 2018 | - | - | - | +1.1% | +2.6% | -1.0% | +0.4% | +0.3% | -0.2% | -2.1% | +0.8% | -3.5% | -1.6% |
Valeria Portfolio returned +9.75% 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.