e.g. contributions rise in line with salary each year
£
yrs
e.g. increase by £50 every 2 years as salary grows
Dividends
£
%
Reinvest dividends (toggle off = taken as income)
Retirement Goal
£
yrs
Implied target pot
4% annual drawdown rule
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Risk & Assumptions
Cautious3% / 8%vol
Balanced7% / 12%vol
Growth9% / 16%vol
%
%
%
Lump Sums
◆
Fill in your details and press Run Wealth Forecast to generate your projection.
Wealth Forecast
The Everyday Investor -- Financial Coaching & Education
Client name:
Display options:
-- Median pot at retirement
-- Probability of hitting target
-- Total you put in
-- Your target pot
Running 5,000 simulations…
Projection -- 10th / 50th / 90th Percentile
Median10–90th bandTargetTotal contributed
Detailed Analysis
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--
0%50%100%
Drawing -- /month from your median pot at retirement.
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Chance pot lasts 25 yrs
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Median age pot runs out
0%50%100%
Calculating…
Scenario A -- Base
Your current inputs (locked)
Run forecast to populate.
Scenario B -- Alternative
Adjust any variable to compare
£
%
yrs
%
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3 yrs
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Median pot starting today
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--
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Age
Year
Mo. contrib
Mo. div
Pessimistic
Median
Optimistic
Total value (med)
Total contributed
Annual return
Sequence of returns risk -- two investors with identical average returns can end up with very different outcomes depending on when the bad years hit. Poor returns near or in retirement are far more damaging than poor returns early in your investing journey.
📉 Bad years early -- less harmful
Your pot is small, losses are small. You keep buying cheaply and benefit from the recovery over the long term.
⚠️ Bad years near retirement -- most dangerous
Your pot is at its peak. A 20% fall on £400k hurts far more than on £40k -- and you have less time to recover.
What to do: Diversify broadly, shift toward lower-volatility assets as retirement approaches, and avoid large withdrawals in down years.
For educational purposes only. Not financial advice. Monte Carlo projections are illustrative and not a guarantee of future performance. Past performance is not a reliable indicator of future results. The Everyday Investor is a coaching and education service.