Personal Fortune provides general financial education and illustrative calculations. It does not provide personalised investment, pension, mortgage or tax advice, arrange investments, or assess whether a product is suitable for you.
Projections and assumptions
Results depend on your inputs and the timing described by each tool. Returns can be negative, inflation can change and investments can lose capital. A positive balance at the end of a projection is not a guarantee that your money will last. The bucket planner models withdrawals, annual transfers and an optional scheduled stress cycle; it does not predict actual markets or the likelihood of success.
Tax, access and costs
Tax tools use their displayed tax-year assumptions and exclusions. Your tax code, residence, other income, allowances and contribution arrangements can change the outcome. Retirement projections are before tax unless a figure is explicitly labelled otherwise. Pension access, tax-free withdrawals, trading costs and provider restrictions may need separate assessment.
Investment examples and sources
Any ETFs, funds or stocks mentioned are examples for research, not recommendations. Check current provider documents, charges, risk warnings and availability. Linked sources can change and an external link is not an endorsement. A cash-like investment is not necessarily equivalent to an insured bank deposit.
Using the results
Check important figures against official guidance and your own statements. Consider regulated advice for decisions with significant or irreversible consequences. If you find an error, use the corrections and contact information to report the page and non-sensitive example inputs.