Cashflow planning illustration

See the journey, not just the destination.

Explore how your cashflow could have travelled through a real 28-year market sequence, using a Decem investment archetype. Adjust only the essentials here; your full financial plan is always more detailed.

Historic market-path illustration

Your cashflow journey

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Market sequence replay
February 1998 – December 2025

Starting assets—

End assets—

Lowest point—

First shortfall—

Shows what each archetype compounds to with zero cashflows — reveals sequence-of-returns cost

Return efficiency

How each archetype fares in up vs down markets

Measured against 100% global equity (ACWI) over the full data period. Shows how much of the market's upside and downside each archetype captures — a ratio above 1 means more upside captured per unit of downside absorbed.

Up-market capture Down-market capture Measured against 100% global equity · A6/A7 scaled returns shown

Historic archetype experience

— through the supplied market history

The selected equity and bond mix, measured monthly and rebalanced each December.

Annualised return—

Largest peak-to-trough fall—

Worst rolling 12 months—

Worst month—

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What this shows

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How the path worksThe selected allocation is rebalanced each December. Supplied monthly ACWI and Aggregate bond returns are replayed in their original sequence. Income, spending and events are applied at each year end. The yellow dotted line shows the selected portfolio in today’s spending power, using your inflation assumption. This is a historic illustration, not a forecast.