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Manage your assets and liabilities, plan your cash flows.
Capital at risk. The value of investments can fall as well as rise and you may get back less than you invest. Past performance is not a reliable guide to future returns. The figures shown are illustrative examples based on model assumptions and market data; they are provided for general information only and do not constitute financial, investment, tax or legal advice, a personal recommendation, or a financial promotion. Allocatewise is not authorised or regulated by the Financial Conduct Authority. Figures are shown before tax and do not reflect your personal tax position. If you are unsure whether an investment is right for you, seek advice from a regulated financial adviser. See our full disclaimer.
Retirement income from UK government bonds (gilts)
£1,000 to £10,000,000, paid once a year, any years from – to –.
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– a year, before tax
The same number of pounds every year from – to – · – gilts. Prices tend to rise, so each payment buys a little less over time.
The line is an estimate, assuming inflation of about – a year (today’s market-implied rate). The pounds are fixed.
The gilts in this ladder
– gilts costing –, priced as at –.
– a year, before tax
In today’s money, every year from – to – · – gilts. Each payment rises with inflation (RPI): about – in –, rising to about – by – (estimate).
The line is fixed. The pounds assume inflation of about – a year (today’s market-implied rate); if inflation is higher, the payments will be higher; if lower, lower.
The gilts in this ladder
– index-linked gilts costing –, priced as at –.
Both cost the same today. Flat: fixed pounds, you carry the inflation risk. Inflation-uplifted: payments rise with the RPI. –
Income each year
Fixed only if you hold every gilt until it matures. Sold early, a gilt fetches the market price on the day, which can be less than you paid. See the risks
Illustrative, not advice. Gilts are issued by the UK government, which has never defaulted on a gilt, though that is not a guarantee of future performance. The market price can go up or down, but unless the UK Government defaults the gilt will deliver the promised cashflow at maturity. The market price of an index-linked gilt can go up or down, but unless the UK Government defaults it will deliver the promised inflation-linked cashflow at maturity. Before tax and dealing costs. Gilts priced off UK gilt yield curves built from market data on –, not live dealing prices.
See the full breakdown, step by stepEverything you need in one app
From projecting your finances to building portfolios – Allocatewise gives you the tools to make confident decisions about your financial future.
Portfolio Dashboard
See how your portfolio performs across 1,000 simulated futures. Track probability of reaching specific goals, monthly cashflows, and inflation-adjusted outcomes across your full retirement horizon.
Goal-Aligned Allocation
Set your goals and add any restrictions or allocation preferences. The engine searches for the weights that aim to meet it, using current return estimates and historical correlations across regimes, based on our proprietary, institutional grade models.
Stress Testing
Run your portfolio through historical crises – like 2008, COVID, stagflation – or build a custom crisis scenario. See how the simulation values your portfolio through the shock, and the recovery paths it implies.
How it works
Get from your current holdings to a stress-tested retirement plan in five steps.
Import your holdings
Upload a CSV from your broker, import activity statements, or enter positions manually.
Set your goals
Tell us your desired retirement date, monthly spending needs, current savings rate, any property or mortgage, and major life expenses such as school fees or a home.
See your probability of success
We simulate your portfolio growth, future savings, and planned expenses across up to 1,000 market scenarios to calculate how likely you are to reach your goals.
Build your goal-aligned allocation
Our model searches for an allocation designed to improve your chance of funding your retirement income, planned property purchases, and savings milestones across different market regimes, based on up to 1,000 simulations on recent market data.
Build and test sample portfolios
Build portfolios against the generated allocations – select from every UK- and US-listed stock, ETF and bond supplied by our market data provider plus every UK gilt in issue (not selected or endorsed by Allocatewise), then stress test to see how it could perform towards your goals.
Ready to discover?
Simulate your retirement now.
Get StartedNot regulated by the FCA. Not financial advice.
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