Data & Finance
Pension Model
Explore how investment returns, contributions, withdrawals, fees and inflation could affect the future value of a pension fund.
Fund selection
Choose one of the five calibrated pension fund profiles, or create a custom assumption set.
Amount invested at the start of the investment period.
Additional amount invested at the end of each year.
30 years
Length of time the pension remains invested.
4.0%
Annual withdrawals are calculated from the fund's current value.
Minimum annual withdrawal, if greater than the percentage-based amount.
1.0%
Annual investment and fund charges.
2.0%
Used to calculate the future purchasing power of the fund.
11.7%
Used by the standard projection model.
7.1%
Used by the standard random projection model.
Fund projection
The standard projection shows the expected path based on the assumptions above. The random path introduces investment-return variability.
Final fund value
EUR0
Today's money
EUR 0
Annualised return
0.00%
Net return
0.00%
Total contributions
EUR 0
Total withdrawals
EUR 0
Return assumption
0.00%
Fund value projection
Nominal fund value and inflation-adjusted value over the investment period.
Monte Carlo pension simulation
Simulate thousands of possible investment paths using the calibrated market and fund-return model. The simulation estimates the probability of achieving your target fund value.
6 calibrated funds
Important:
The Monte Carlo model uses the calibrated return distributions for
VBINX plus the five KerryTech calibrated pension fund profiles.
The Fund Selection, Expected Return and Volatility controls above
do not change the Monte Carlo distributions.
The Monte Carlo probability is the percentage of simulations finishing at
or above this target.
Today's-money targets are adjusted for the inflation assumption.
10,000 simulations provides a more stable estimate but will take longer on
the current server.
Enter your target and click Run Monte Carlo.