Your whole financial life.
What you earn, invest and spend, and the earnings still ahead of you: your human capital. See when there is room to live a little, and when to hold back.
Illustrative figures. Human capital is the pay still to earn, as a present value at a 2.5% discount rate. Not a forecast.
Where it goes on the way to retirement.
Your investments and the pay still to come, in today's money, and where it goes by retirement: invested, or spent and kept aside.
Illustrative figures: £1,500 a month to 67, as present values at a 2.5% discount rate. Not a forecast: investments can fall as well as rise.
What it could become, in today's prices.
Your investments and what you add each month, carried to 67 at the FCA's standard 2%, 5% and 8% a year, in today's prices.
Illustrative figures, in today's prices: the FCA's standard rates of 2%, 5% and 8% a year, less 2% inflation, before tax and charges. Not a forecast: investments can fall as well as rise.
Live your wealth.
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