Where the gilt ladder data comes from

The sources behind every figure in the calculator.

• Gilt details (coupon, maturity, indexation) come from the UK Debt Management Office’s list of gilts in issue.
• Prices and the breakeven inflation curve come from UK nominal and real gilt yield curves, built from market data on –.
• The calculator’s figures were last refreshed on –.
• More in our detailed methodology.

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.

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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. 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. 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.