| Age Now | Starting Pot | Retirement Age | Compound Frequency | Scenario |
|---|---|---|---|---|
Compare 1 ETF to another 4 ETF's
Instructions:
Imagine a 21 year old wants to put 100% of their money in VWRL, but then considers splitting their money between 4 different funds with different returns (Low risk & Higher risk). How much of a difference will it make over the long term?
You can set the 'Interest' rate to a negative value on some years to simulate a crash in say the Higher risk fund (eg.CNX1).
Will the split pot still return a higher return in the long term?
Click on any line to view more detailed information.
| Note: | Note: | Note: | Note: | Note: | |||||||||||||
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| Pot 1 (ETF 1 of 1) | Starting Pot | ETF 1/4 | ETF 2/4 | ETF 3/4 | ETF 4/4 | ||||||||||||
| # | Year | Age | Monthly | Interest | Monthly | Interest | Starting Pot | Monthly | Interest | Starting Pot | Monthly | Interest | Starting Pot | Monthly | Interest | Starting Pot | |
| Deposit | Deposit | Deposit | Deposit | Deposit | |||||||||||||
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Total : £ |
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Total : £ |
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Total : £ |
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Total : £ |
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Total : £ |
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| 1/1 | 1/4 | 2/4 | 3/4 | 4/4 | Diff | |||||
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| Total: | Total: | |||||||||
| YearMonth | YearMonth | |||||||||
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Calculate something else...
Top tips to maximise your investments to achieve the largest pot in the future.
- The stock market rises over time as more people are paying into their pension than withdrawing their pension money.
- The stock market has outperformed other assets over the last 100 years (property, gold).
- It is easy and quick to sell stocks, as opposed to other investments which can take a long time.
- Work backwards from when you think you might die... what percent do you think you'll get, inflation%, what % will you withdraw. how many years.