Planning
Range of outcomes
Markets do not move in a straight line, so a single projected number hides how uncertain the future is. This runs thousands of randomised return paths and shows the spread of where a plan might land — a realistic fan of possibilities, not one confident forecast.
Illustrative — not a forecast, not advice, not a real portfolio
The fan chart is loading. It shows a spread of possible values across the years — a wide band for the lower and higher tenth of paths, a narrower band for the middle half, and a line for the median.
How to read this. Each run simulates thousands of possible journeys for the money. In some the markets are kind, in some they are not. Lining those journeys up gives a range: the shaded fan shows where most of them ended up at each point in time. The median line is the middle of that range — it is not the "expected", "likely" or "target" outcome, and roughly half of the simulated paths finished below it.
The model, plainly. Monthly returns are drawn at random from a normal distribution around the illustrative average and volatility shown for your chosen risk level. Real markets are messier than that — they have fatter tails (extreme moves happen more often than a normal curve suggests) and the order of good and bad years matters (sequencing risk), neither of which this simplified model captures. Treat the fan as a way to feel uncertainty, not as a measurement of it.
About this tool
This is an illustrative and hypothetical educational aid. It is 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. The percentages, ranges and any goal probability are the output of a simplified random model, not a statement about what your investments will do. No decision should be made on the basis of it.
It deliberately asks only for generic figures — an amount, a horizon and a risk level — and never your full circumstances, because it is a concept explainer rather than a plan. 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.