Simple Investment Forecast How To

Request

• Bob has £125,000 currently invested in a Stocks & Shares ISA.
• He contributes £800 per month to his ISA.
• He expects to increase his contributions each year, broadly in line with price inflation increases.
• The ISA he holds has an annual charge of: 0.45% pa for balances up to £50k; and 0.25% for funds above that. There are no other charges on the ISA (apart from fund charges).
• His funds are invested: £100,000 in CF Woodford Equity Income A Acc GBP (Citicode KEBA), with a fund charge of 0.1%; £25,000 in BlackRock -Emerging Markets Equity Tracker D Acc (Citicode G6HZ), with a fund charge of 0.25%.
• Future contributions are split 80%/20% into the two funds specified.
• From 01/01/2022 Bob wants to withdraw £5000 a year, increasing in line with RPI
• The tool Bob accesses provides results over 5, 10 and 15 year periods, for 5th, 50th and 95th percentiles.
• Results are in future (ie nominal) values.

{
  "contributions": {
    "amount": 800,
    "frequency": "MONTHLY",
    "increase": {
      "basis": "RPI",
      "rate": 0
    }
  },
  "initialCharges": {
    "percentage": 0,
    "amount": 0,
    "contributionPercentage": 0
  },
  "annualCharges": {
    "amount": 0,
    "tieredCharges": [
      {
        "percentage": 0.45,
        "upperLimit": 50000
      },
      {
        "percentage": 0.25
      }
    ]
  },
  "accumulationTaxationBasis": "NONE",
  "funds": [
    {
      "code": "KEBA",
      "balance": 100000,
      "contributionPercentage": 80,
      "adjustment": 0.1
    },
    {
      "code": "G6HZ",
      "balance": 25000,
      "contributionPercentage": 20,
      "adjustment": 0.25
    }
  ],
  "withdrawals": {
    "percentage": false,
    "amount": 5000,
    "increase": {
      "basis": "RPI",
      "rate": 0
    },
    "startDate": "2022-01-01"
  },
  "forecastOptions": {
    "terms": [
      5,
      10,
      15
    ],
    "todaysPrices": false,
    "percentiles": [
      5,
      50,
      95
    ]
  }
}

Result

• There is a 5% chance that Bob's ISA (including contributions and withdrawals) will be worth less than £123,210.91 in 5 years, £149,394.23 in 10 years and £175,299.02 in 15 years.
• There is a 50% chance that Bob's ISA (including contributions and withdrawals) will be worth less than £205,149.88 in 5 years, £298,888.38 in 10 years and £452,570.94 in 15 years.
• There is a 95% chance that Bob's ISA (including contributions and withdrawals) will be worth less than £334,953.03 in 5 years, £631,593.06 in 10 years and £1,195,719.13 in 15 years.

Please note that this example response is provided to show you the fields and format provided; the numbers do not reflect the results you would receive from the example request above.

{
  "results": [{
    "percentile": 5,
    "terms": [{
      "value": 123210.91,
      "term": 5
    }, {
      "value": 149394.23,
      "term": 10
    }, {
      "value": 175299.02,
      "term": 15
    }]
  }, {
    "percentile": 50,
    "terms": [{
      "value": 205149.88,
      "term": 5
    }, {
      "value": 298888.38,
      "term": 10
    }, {
      "value": 452570.94,
      "term": 15
    }]
  }, {
    "percentile": 95,
    "terms": [{
      "value": 334953.03,
      "term": 5
    }, {
      "value": 631593.06,
      "term": 10
    }, {
      "value": 1195719.13,
      "term": 15
    }]
  }]
}

Asset classes

Where fund codes are required as input, you can instead refer to asset classes. See list of codes you can use for assets below.