Current net worth €250,000
Annual savings €12,000
Optimistic return/yr 8%
0%MSCI World ~8-10%20%
Neutral return/yr 5%
-5%60/40 portfolio ~5%15%
Pessimistic return/yr 2%
-5%Bonds/savings ~2%15%
Inflation rate/yr 2.5%
0%ECB target 2%10%
Time horizon