Investing your money

Investment calculator

You may be investing with a particular goal in mind. How much should you save? Over what period of time and at what level of risk?

This tool allows you to test a few scenarios around how to reach your long term investment goals. Whatever you want to invest for our financial planners will first invest in understanding what’s important to you.

Please note we normally recommend that investments are held for the medium to long term in order to smooth out any market volatility so the calculator has been set with a minimum term of 5 years.

This will be 2046
 
60
5

Your Investment

 £ 
Regular monthly payment per month £
Target investment fund  £ 

Set the level of investment risk

  • Very Low
  • Low
  • Low to Moderate
  • Moderate
  • Moderate to High
  • High

You are averse to risk and therefore not comfortable with significant investments in your portfolio which might put your capital at risk.

Preservation of your capital is very important to you and you would like to maintain the real value of your investments against inflation. Your portfolio will typically have some exposure to equities and a proportionately higher exposure to fixed income investments, at least some of which will contain market exposure.

Expected net return
4.25% per year. This is the illustrative growth before fees and inflation have been taken into account.

You are not comfortable with having the majority of your portfolio in higher risk investments such as equities.

Capital preservation is important to you and you would like to maintain the real value of your investments against inflation. Your portfolio is likely to be more evenly balanced between equities and fixed income investments.

Expected net return
5.07% per year. This is the illustrative growth before fees and inflation have been taken into account.

You would like a significant proportion of your portfolio to be in higher risk investments and you are willing to accept a greater short term potential for losses from your overall portfolio, in order to generate potentially higher long term returns.

Your portfolio may typically have a higher exposure to equities than fixed income investments and is likely to have low to moderate levels of market volatility.

Expected net return
5.63% per year. This is the illustrative growth before fees and inflation have been taken into account.

You are prepared to have the significant majority of your investments in equities in order to achieve higher returns at the expense of greater risk to your capital.

Your portfolio will typically have a substantially higher weighting towards equities than fixed income investments and is likely to have moderate market volatility.

Expected net return
6.18% per year. This is the illustrative growth before fees and inflation have been taken into account.

You would like to have the opportunity for large scale returns and you are comfortable with having a larger proportion of your capital at risk, and accept the possibility of larger short term losses, in order to achieve your long term investment aims.

Your portfolio will typically have a very high weighting towards equities and very low levels of fixed income investments. Your portfolio is likely to have moderate to high market volatility.

Expected net return
6.88% per year. This is the illustrative growth before fees and inflation have been taken into account.

You would like to have the opportunity for high returns and you are prepared to accept the possibility of a significant loss of capital in order to achieve these greater potential returns.

Your portfolio will typically be almost exclusively invested in equities. Your portfolio is likely to have high market volatility.

Expected net return
7.45% per year. This is the illustrative growth before fees and inflation have been taken into account.

Based upon your chosen level of risk your investment pot could potentially reach £ .

At this level of investment you will exceed your target investment fund by £x. You may wish to reduce the initial lump sum and/or your monthly contribution, or the level of risk you are taking.

You are short of your target investment fund by £x. You may wish to reduce the initial lump sum and/or your monthly contribution, or the level of risk you are taking.

Assumptions used:

Based on your chosen level of risk, the illustrative value is based upon the following assumptions

  • Volatility (Risk)
    5.2% this indicates how much the returns might vary from the expected return each year. For example, a rise of up to 10.65%, or a fall of % in any one year the ‘expected returns’ in the above calculator have been generated at random to illustrate how returns can vary, but are no guarantee of actual performance in the future.
  • Inflation
    2.5% per year
    Inflation (increasing cost of living) means that you may need a larger lump sum than is required today to meet the same goal or expense.
    To allow for this, your target has been expressed in today's terms, but expected net returns have been adjusted to account for the effect of inflation.
    In other words, the assumed 'real rate' of expected return after inflation used for your projection is % per year
    This calculator assumes that contributions will remain the same throughout the plan.

The growth rates used to show your projected fund are based on our assumptions for mid-range value in relation to the stated risk level. These are for indicative purposes only and as detailed by the graph above, the level of investment return could be lower than the projected fund shown.

Other things to consider:

The aim of this calculator is to give you an indication of how you could realise your long term investment goals.

This calculator should not be regarded as personal advice, and therefore, you should seek formal advice from an independent financial adviser and one of our financial planning specialists will be more than happy to help.

Investment returns are not guaranteed and could be significantly more or less than those used here. Past performance is not a guide to future returns. The value of investments can fall as well as rise, so you may get back less than you invest.

This calculator uses the Monte Carlo simulation.

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