Live scenario Growing
My plan
Stop work at 60, spending £30,000 per year, on 6% pension / 6% ISA return assumptions. Model a lower-paid, part-time or freelance step-down by adding an income from that age in Setup.
Sustainable+
11
Tight
1
Run-out
4
Assets at retirement
£632,785
First-year WR
4.7%
Final assets
£1,193,018
Assets run out
Never
Total tax paid
£134,232
Lowest lifetime assets
reached at age 40
£134,400
Total assets over time
Pension vs ISA bridge
Retirement cashflow
Guaranteed income (teal) and portfolio withdrawals (amber) against total spend; any shortfall in rose.
Age 60
£30k
Age 63
£30k
Age 66
£30k
Age 69
£30k
Age 72
£30k
Age 75
£30k
Age 78
£30k
Age 81
£30k
Age 84
£30k
Age 87
£30k
Age 90
£30k
Age 93
£30k