Asset Class
| Asset | Type | Allocation | TER |
|---|---|---|---|
VWCE.XETRA Vanguard FTSE All-World UCITS ETF (USD) Accumulating • IE00BK5BQT80 | ETF | 90.0% | 0.19% |
IGLD.XETRA iShares Physical Gold EUR Hedged ETC • IE0009JOT9U1 | ETF | 10.0% | 0.25% |
| Total | 100.0% | 0.20% |
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +2.3% | +2.1% | -6.1% | +7.6% | +5.3% | -0.0% | -1.3% | +2.9% | +1.1% | +0.4% | - | - | +14.6% |
| 2025 | +4.5% | -1.8% | -5.4% | -2.8% | +5.2% | +0.9% | +4.1% | +0.2% | +3.9% | +4.3% | +0.3% | +0.9% | +14.6% |
| 2024 | +2.5% | +3.3% | +4.0% | -1.2% | +1.1% | +4.3% | +0.6% | -0.0% | +2.1% | +1.1% | +5.5% | -1.1% | +24.4% |
| 2023 | +5.1% | -0.6% | +1.0% | +0.0% | +1.9% | +2.9% | +2.6% | -1.0% | -1.8% | -2.5% | +5.3% | +3.5% | +17.4% |
| 2022 | - | - | - | - | - | - | +3.8% | -1.6% | -5.8% | +2.9% | +1.9% | -4.6% | -3.7% |
VWCE and chill returned +15.42% 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.