Pension Simulation Tool

Explore illustrative pension scenarios and retirement projections

Disclaimer: This tool is for informational and educational purposes only. It does not constitute financial, investment, or retirement planning advice. Past performance does not guarantee future results. Please consult with a qualified financial advisor before making any financial decisions.

How it works

This tool illustrates how pension income and savings may interact over time under different assumptions. Explore scenarios to see how fees, returns, and retirement timing may affect portfolio projections.

  • State pensions may be insufficient → Personal savings often needed to supplement income
  • Gap between retirement and pension age → May need to be funded entirely from savings
  • Compare different scenarios → See how assumptions affect long-term projections

Note: Simulations are in real terms (adjusted for inflation). Returns should be entered net of inflation. Learn more about assumptions

Fee Impact
Fee Impact

Illustrates how management fees may affect portfolio projections over time.

Return Impact
Return Impact

Illustrates how different investment return assumptions may affect portfolio projections.

Early Retirement
Early Retirement

Compare early versus later retirement scenarios and see projected differences.

Custom Simulation
Custom Simulation

Create custom scenarios with different assumptions.

Assumptions
Assumptions

Learn about the assumptions and methodology used in the simulation.

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