Retirement Planning with Scalable Capital

We answer questions concerning your financial well-being in retirement:

  • How much do I need to save in order to maintain my standard of living in retirement?
  • What monthly income can I expect from my investment in the future?
  • How do factors such as retirement age, life expectancy and inflation affect my pension pot?

Time Machine

Our interactive calculator provides insights into your financial future. It takes into account variables such as your initial investment amount, your age, your monthly savings plan, your chosen risk category, life expectancy and inflation forecasts.

Start by entering the most important variables and then easily calculate various scenarios: How does the result change if you increase or decrease your monthly deposit by £50? What happens if you raise the inflation rate or take less risk? You want to retire before the state retirement age - how does this affect your income in retirement? The Time Machine provides the answers:

Personal Details
0 years
80 years
Financial Details
Initial Deposit
£ 0
£ 5,000,000
Monthly Deposit
£ 0
£ 5,000

Disclaimer: The results shown in this calculator do not constitute personal advice. It is provided to give you an indication of how much you need to pay into a pension, and what potential retirement income that may achieve. Scalable Capital Limited does not provide any legal and/or tax advice. Restricted investment advice is only given if the provision of such service has been expressly agreed upon. With investment comes risk. The value of your portfolio with Scalable Capital can go down as well as up and you may get back less than you invest. Past performance is not an indicator of future performance. Learn more about risk here.

Don't Miss out on Capital Markets Growth.

Some investors believe that investments in stocks are too risky. But historical stock market data show that not only do they deliver higher long-term returns than bonds or cash savings, their risk level also decreases significantly with the length of the investment. As the chart below illustrates, an investment into the MSCI World - a very broad basket of global stocks - has never returned a loss since 1975 if it was held for at least 15 years. Those who held their investment for over 25 years would on average have made a return of 9.5% per year and even when buying and exiting their investments at the worst points in time they would still have enjoyed a return of 6.4% per year.

Average, minimum and maximum annualised returns (%) when investing in the MSCI World* equities index between 1975 and 2017, depending on the time horizon of the investment


Source: Bloomberg, own calculations. Including dividends (total return index), in GBP. Past performance is not indicative of future performance.

Media_Quotation mark open No cash ISA can beat inflation (Which?, 25 January 2017)Media_Quotation mark close

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