![]() ![]() How your investment choices could affect the value of your pension pot over timeįor a 30 year retirement period, this calculator will run a simulation from 1928 to 1958, then it will run a simulation from 1929 to 1959, then from 1930 to 1960, and so on.How more or less income might impact how long your pension pot will last.How a larger pension pot might last or allow you to take a higher retirement income.How a longer or shorter retirement might affect your income.You can see how different retirement scenarios would affect your pension: What it offers is a chance for you to stress test your retirement plans against numerous market conditions. Remember that this calculator is based on historical UK market data and that past performance is not an indicator of future returns. Our drawdown calculator will help you understand the likelihood that your pension pot will last you through retirement. If you have a preference for how you like to split your investments between stocks, bonds and cash, you can enter custom figures here. All cash – using Bank of England historical interest rates.All bonds – based on Sterling UK Government bonds.All stocks – based on UK Equity Index and FTSE all-shares total return.Cautious – lower risk investment funds – 35% stocks & 65% bonds.Balanced – medium risk investment funds – 55% stocks & 45% bonds.Growth – higher risk investment funds – 85% stocks & 15% bonds.We’ve given you the option of stress testing 6 different types of ‘ready-made’ investment strategies This is a great way to see how you really feel about risk and what kind or risk vs returns you might be comfortable with. ![]() This calculator gives you the chance to see how different investment decisions would have played out in numerous different market conditions. High-risk investments might offer the chance of higher returns but they also come with the danger of higher volatility and potentially higher losses. Please note that summaries can be printed and given to your clients.How you choose to invest your pension pot will affect how your investments perform. You can find out more about the Drawdown Risk Calculator by contacting us. These will vary on the basis of your inputs so we recommend that you familiarise yourself with the full list of assumptions at the foot of the tool.įigures are for illustrative purposes only. The tool makes a number of assumptions in respect of gender, retirement age, current health, pension fund and monthly drawdown income requirement. This will be based on their specific income requirements, where the money is invested and the charges being taken. It will then determine the risk of your client running out of money at some point during retirement if they decide to go into drawdown. You can also change the product and adviser charges being taken.You can change the amount of income your client decides to take from drawdown, the assumptions around where the money is invested and the level of fund management.The tool will compare the guaranteed lifetime income they could secure (based on whether they're in excellent, reasonable, challenging or critical health) with the same level of income drawn on a flexible basis through drawdown.Add your client's total pension fund after the deduction of any tax free and taxable lump sums.
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