Planning
Tools to think with
A small set of illustrative tools for exploring ideas — how money can compound, what costs take, how a spread of outcomes looks rather than a single number, and how the pieces of a portfolio fit together.
They are conversation starters, not advice, and not a picture of any real portfolio. Every figure is hypothetical and rests on assumptions you can see and change. The value of investments can fall as well as rise.
Goal & compound growth
See how a lump sum and regular saving might grow over time — and what changing the rate or the years does to the range.
Open toolThe cost of costs
A small annual fee compounds too. See what different charges could take from a pot over decades.
Open toolRange of outcomes
Markets do not move in a straight line. A Monte Carlo view shows a spread of possibilities, not one confident forecast.
Open toolThe time machine
What a hypothetical investment might have done through real history — the falls and the recoveries alike.
Open toolRisk and reward
More potential return usually means more movement along the way. Feel the trade-off, and where your balance might sit.
Open toolDiversification
How a portfolio is put together — and why spreading across different kinds of asset matters more than picking one.
Open toolAbout these tools
Everything in this section is illustrative and hypothetical. These are educational aids to explore concepts — they are not financial advice, not a personal recommendation, not a forecast or a guarantee, and not a picture of any real portfolio or an available product. No decision should be made on the basis of their output.
Figures rest on assumptions you can see and change, and are shown as ranges or scenarios rather than a single expected number. The value of investments and any income from them can fall as well as rise, and you may get back less than you invested. Past performance is not a reliable indicator of future results. Your own plan is agreed with Abhineet, looking at your full circumstances. Our full risk warnings and disclaimer apply.