Remember, the value of investments can go up and down, so you may get back less money than you put in. Tax depends on your individual circumstances and the regulations may change in the future.
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Choose your approach
More about our assumptions
Close ModalWhat you’ll pay in
We assume you’ll keep making the same regular payments throughout the time you’re investing with us.
Imagining the future
We consider past performance when estimating possible outcomes for your investment based on how much you invest, for how long and how the market might perform. However, past performance isn’t a reliable guide to future performance – investments can go up or down.
To work out this estimate we do lots of calculations behind the scenes. To keep it reasonable, we ignore both the highest and lowest 5% of results when we show you the estimated value rangeWhat your investment could be worth. and the low and high selected market scenarioHow stock markets perform generally..
Cash returns
To estimate the equivalent potential cash returns we based our forecast returns from a cash (or near cash) investment fund. This simulates the effects of holding cash as an asset, instead of holding cash with a bank.
Considering inflation
We show what your investment might be worth in today's money, after allowing for inflation. We consider lots of possibilities for inflation, rather than a single fixed % because the rate of inflation can rise and fall over time. Inflation reduces the value of what you can buy in the future as well as the value of your savings.
Deducting our charges
We remove our two charges (Account Charge and Annual Management Charge) from the returns as we calculate your estimate, assuming they’ll stay the same throughout the time you’re investing with us.
Rounding things off
Finally, we round our estimates down a bit, just to make the numbers a bit easier to read - remember they’re only a guide and the estimated returns aren’t guaranteed. But we hope they help.
So that’s how we work out your estimate.
Remember, these are only indications. What you get back will depend on how the funds perform, if you make changes to the length of time you’re investing, and if you change the amount you put in.
Adventurous Growth
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- Fund illustration key showing that Typically 90% of your money goes into higher risk investments with the Adventurous growth approach
- Fund illustration key showing that Typically 10% of your money goes into lower risk investments with the Adventurous growth approach
- Fund illustration key showing the Adjustment range for the Adventurous growth approach. Depending on how the market's performing, our experts might flex the balance of higher and lower investments a little.
Generally, with the adventurous growth approach, most of your money goes into higher risk investments with higher potential returns, and less goes into lower risks with lower potential returns.
Depending on how the market's performing, our experts might flex that balance a little. We call that flexibility the 'adjustment range'.
Balanced Growth
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- Fund illustration key showing that Typically 70% of your money goes into higher risk investments with the Balanced growth approach
- Fund illustration key showing that Typically 30% of your money goes into lower risk investments with the Balanced growth approach
- Fund illustration key showing the Adjustment range for the Balanced growth approach. Depending on how the market's performing, our experts might flex the balance of higher and lower investments a little.
Generally, with the Balanced growth approach, more of your money goes into higher risk investments with higher potential returns, and less goes into lower risks with lower potential returns.
Depending on how the market's performing, our experts might flex that balance a little. We call that flexibility the 'adjustment range'.
Cautious Growth
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- Fund illustration key showing that Typically 40% of your money goes into higher risk investments with the Cautious growth approach
- Fund illustration key showing that Typically 60% of your money goes into lower risk investments with the Cautious growth approach
- Fund illustration key showing the Adjustment range for the Cautious growth approach. Depending on how the market's performing, our experts might flex the balance of higher and lower investments a little.
Generally, with the Cautious growth approach, more of your money goes into lower risk investments with lower potential returns, and less goes into higher risks with higher potential returns.
Depending on how the market's performing, our experts might flex that balance a little. We call that flexibility the 'adjustment range'