How it works
Pension, stocks & shares, and cash go in as three separate numbers, plus what you add each month. They’re kept apart because they behave differently — cash doesn’t grow like equities, and pretending it does would flatter the picture.
Everything is projected together to 60. You get today’s total and where simply carrying on takes you — one calm number, not a scoreboard.
The forecast splits into what you put in and what the market adds on top. Over a long enough horizon, the market usually does most of the work — which is the quietly reassuring part.