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Retirement & mix

Planned Premium tool · open in prelaunchAdvanced scenarios for your investment mix and retirement withdrawals. Start with the free Financial freedom tool →

Your number, your mix, and the route between. Everything recalculates as you type.
SAVES IN YOUR BROWSER · NOTHING LEAVES THIS DEVICE

1About you

Risk you are comfortable with

Your choice sets the example mix your holdings are compared with. It does not change your returns.

2What you hold

Total · /mo

Returns are per year, after inflation and fees. Include only money available to fund this plan. A state pension is income, not a pot: add it under Life after work.

One-time money coming, such as an inheritance or a property sale

Each amount arrives at the end of the year you enter and grows at its own return until you stop working. Do not also count the same money in your holdings.

WHATAMOUNTRET %YRS

3Life after work

Expect a state pension?
Leave an inheritance?

Use today's prices throughout, so returns are after inflation. Enter pension income after tax.

4Assumptions

Scenario after you stop working
Return after tax

Returns are after inflation and fees. Each holding has its own return while you save; this return applies after you stop working and to extra saving. Tax on gains is a simple illustration, not a country tax calculation: use 0 if your returns are already after tax. Amounts are not converted between currencies. Plan to a late age to stay on the safe side. Pessimistic puts the bad years first, optimistic the good years first; the average is the same.

Projected Target Gap
Going in / month
Years to go
Of target

Your investment mix

Close the gap

INVEST MORE
extra /mo
Worth when you stop working
SPEND LESS LATER
new /yr
Cuts your target by
GAP TODAY
+ INVESTING MORE+
+ SPENDING LESS LATER+
WHAT IS LEFT

If markets start badly

Year-by-year projection ▾
YRAGESTARTGROWTHINOUTEND
Glide path — bold to calm
HORIZONSTOCKSBONDSREALALTSCASH
Rules, life events & withdrawal order ▾
Rebalancing rules
1. Rebalance when any class drifts more than 5% from target
2. Review your allocation at least once a year
3. Use new contributions to rebalance — avoid selling
4. Tax-loss harvest when rebalancing taxable accounts
5. Never rebalance reactively to short-term moves
6. Shift about 5% a year out of stocks as the horizon shrinks
Life event triggers
MarriageCombined financesReview jointly ChildrenHigher expensesAdd an education fund Job changeIncome changeIncrease contributions InheritanceLump inflowInvest per your horizon Home purchaseCash outflowRebuild cash first Health eventExpense spikeIncrease bonds and cash Market crash >20%Portfolio dropsStay the course 5 yrs before targetTransitionShift to withdrawal mix Entering retirementIncome from portfolioMove to a bucket strategy
Tax-efficient withdrawal order
1stCash / savingsTax-freeUse first 2ndTaxable brokerageCapital gainsManage brackets 3rdTraditional pension / 401kIncome taxMind minimum withdrawals 4thRoth / ISATax-free growthWithdraw last 5thAnnuityVariesCoordinate with pension 6thReal estateCapital gainsSell strategically
Action checklist
Build emergency fund3–6 months of expensesHIGH Pay off high-interest debtOver 5% APR, before investingHIGH Max employer matchFree moneyHIGH Use tax-advantaged accountsPension wrapper / ISAMEDIUM Increase contributionsLever 1 aboveMEDIUM Rebalance portfolioLever 2 aboveMEDIUM Automate contributionsSet up a recurring transferMEDIUM Save half of every raiseFight lifestyle creepLOW
WHAT THIS MEANS
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