A risk level from six questions and what the plan can absorb; five levels with real UK history (worst year, worst decade, largest fall) and what each means for your pot in pounds; the return your plan needs against what your mix should earn; funds, building blocks and gilts that hold a level, as dated facts; and what fees cost over a lifetime.
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How is my money invested?
Chapters on this page
1
How much risk to take
Six short questions; the suggested level is the lower of what the plan can absorb and what you can live with.
2
The five levels
Very cautious to adventurous, each with expected return, spread, UK history since 1871 and your own numbers.
3
Your pots and ISAs
A mix, charges and a glide path per pot.
4
Holding this level
One fund, build it from index funds, or gilts and cash — dated facts from the providers, never a pick.
5
History and assumptions
Decade returns, the best and worst starts since 1871, the range of outcomes and the fee ladder.
Related
Not advice. Money Horizon is a planning indicator built on simplified rules. It does not know your full circumstances, cannot replace a regulated adviser, and its figures should not be relied on for any decision. It is not financial advice. Nothing you enter leaves your browser.