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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)
What £100,000 buys today as a ladder of nominal gilts and as a ladder of index-linked gilts, redeeming in the respective year in order to provide a level income each year from the age you choose to the rest of an average life expectancy. Assumption: Repayment of UK government bonds at maturity, without reduction and no default by the UK government
As of —
Nominal gilt ladder
– a year, fixed · –
Index-linked gilt ladder
– a year in today’s money, rising with RPI · –
Income each year in today’s money, 2034–2051
Ladders not yet captured – run PYTHONPATH=backend:. python3 scripts/data/refresh_hero_panels.py --panel gilt-ladder.
The gilts in each ladder
Illustrative, not advice. Real gilts, priced off the Bank of England curves as at – (captured –), cash-flow matched to – annual payments; a year with no maturing gilt is paid a year early from the preceding one. The nominal ladder’s income is fixed in cash and shown here deflated at market-implied (breakeven) RPI of about – p.a., so by – it buys – of today’s goods. Before tax and dealing costs; nothing is left at the end and nothing is paid beyond it. 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 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. The gilts listed are an illustration of cash-flow matching and are not a recommendation to buy, sell or hold, nor an endorsement of, or a reflection on the merits of, any gilt shown; you are under no obligation to act on it. Life expectancy: ONS national life tables 2022–2024 at 65, men and women averaged.
Everything 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 thousands of 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, and any property or mortgage.
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.
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