| A | B | C | D | E | F | G | H | I | J | K | L | M | N | O | P | Q | R | S | T | U | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
1 | Scenario | Brown and Stamp | |||||||||||||||||||
2 | Wage | 38,500 | |||||||||||||||||||
3 | Currency | GBP | |||||||||||||||||||
4 | Start Age | 18 | |||||||||||||||||||
5 | Retire Age | 67 | |||||||||||||||||||
6 | Employeee NI | 3,051.60 | |||||||||||||||||||
7 | Employers NI | 3,988.20 | |||||||||||||||||||
8 | Total NI | 7,039.80 | |||||||||||||||||||
9 | NI percentage | 18.29% | |||||||||||||||||||
10 | Index | FTSE | |||||||||||||||||||
11 | Yield | 3.25% | |||||||||||||||||||
12 | AnnualFeeRate | 0.00% | |||||||||||||||||||
13 | PurchaseFeeRate | 0 | |||||||||||||||||||
14 | DividendTaxRate | 0% | |||||||||||||||||||
15 | StampDutyRate | 0.00% | |||||||||||||||||||
16 | Flat Income | No | |||||||||||||||||||
17 | Total NI | 7,040 | |||||||||||||||||||
18 | NIRate | 18.29% | |||||||||||||||||||
19 | Final Fund | 1,110,474 | |||||||||||||||||||
20 | 1,596,320 | ||||||||||||||||||||
21 | Income | 36,090 | |||||||||||||||||||
22 | Fund Loss | ||||||||||||||||||||
23 | Income Loss | ||||||||||||||||||||
24 | |||||||||||||||||||||
25 | Year | Index | FX | Age | AgeIncome | AverageWage | Wage | NI | StartFund | Dividends | DividendTax | AnnualFee | PurchaseFee | StampDuty | Income | FundGrowth | Drawdown | Drawdown% | EndFund In Curr | End Fund in GBP | End Income |
26 | 1964 | 97.07 | 1.0000 | 6 | 0.00% | 971.46 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00% | 0.00 | 0.00 | 0.00 | |
27 | 1965 | 103.60 | 1.0000 | 7 | 0.00% | 1,034.06 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00% | 0.00 | 0.00 | 0.00 | |
28 | 1966 | 93.95 | 1.0000 | 8 | 0.00% | 1,098.58 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00% | 0.00 | 0.00 | 0.00 | |
29 | 1967 | 121.18 | 1.0000 | 9 | 0.00% | 1,140.32 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00% | 0.00 | 0.00 | 0.00 | |
30 | 1968 | 173.72 | 1.0000 | 10 | 0.00% | 1,231.39 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00% | 0.00 | 0.00 | 0.00 | |
31 | 1969 | 147.34 | 1.0000 | 11 | 0.00% | 1,324.37 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00% | 0.00 | 0.00 | 0.00 | |
32 | 1970 | 136.26 | 1.0000 | 12 | 0.00% | 1,485.64 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00% | 0.00 | 0.00 | 0.00 | |
33 | 1971 | 193.39 | 1.0000 | 13 | 0.00% | 1,654.51 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00% | 0.00 | 0.00 | 0.00 | |
34 | 1972 | 218.18 | 1.0000 | 14 | 0.00% | 1,859.22 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00% | 0.00 | 0.00 | 0.00 | |
35 | 1973 | 149.76 | 1.0000 | 15 | 0.00% | 2,117.94 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -31.36% | 0.00 | 0.00 | 0.00 | |
36 | 1974 | 66.89 | 1.0000 | 16 | 0.00% | 2,489.51 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -55.34% | 0.00 | 0.00 | 0.00 | |
37 | 1975 | 158.08 | 1.0000 | 17 | 0.00% | 3,152.83 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | #DIV/0! | 136.33% | 0.00 | 0.00 | 0.00 |
38 | 1976 | 151.96 | 1.0000 | 18 | 50.74% | 3,648.25 | 1,915.16 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | #DIV/0! | -3.87% | 0.00 | 0.00 | 0.00 |
39 | 1977 | 214.53 | 1.0000 | 19 | 59.85% | 3,982.66 | 2,466.23 | 450.95 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 450.95 | 0.00 | #DIV/0! | 41.18% | 450.95 | 450.95 | 14.66 |
40 | 1978 | 220.22 | 1.0000 | 20 | 68.97% | 4,498.73 | 3,209.97 | 586.95 | 450.95 | 14.66 | 0.00 | 0.00 | 0.00 | 0.00 | 601.61 | 11.96 | 2.65% | 2.65% | 1,064.52 | 1,064.52 | 34.60 |
41 | 1979 | 229.79 | 1.0000 | 21 | 73.99% | 5,195.08 | 3,976.90 | 727.18 | 1,064.52 | 34.60 | 0.00 | 0.00 | 0.00 | 0.00 | 761.78 | 46.26 | 4.35% | 4.35% | 1,872.56 | 1,872.56 | 60.86 |
42 | 1980 | 291.99 | 1.0000 | 22 | 79.01% | 6,250.61 | 5,109.87 | 934.35 | 1,872.56 | 60.86 | 0.00 | 0.00 | 0.00 | 0.00 | 995.21 | 506.87 | 27.07% | 27.07% | 3,374.64 | 3,374.64 | 109.68 |
43 | 1981 | 313.12 | 1.0000 | 23 | 84.04% | 7,058.43 | 6,137.19 | 1,122.20 | 3,374.64 | 109.68 | 0.00 | 0.00 | 0.00 | 0.00 | 1,231.87 | 244.21 | 7.24% | 7.24% | 4,850.72 | 4,850.72 | 157.65 |
44 | 1982 | 382.22 | 1.0000 | 24 | 89.06% | 7,724.50 | 7,117.89 | 1,301.52 | 4,850.72 | 157.65 | 0.00 | 0.00 | 0.00 | 0.00 | 1,459.17 | 1,070.47 | 22.07% | 22.07% | 7,380.35 | 7,380.35 | 239.86 |
45 | 1983 | 470.50 | 1.0000 | 25 | 94.09% | 8,376.81 | 8,154.45 | 1,491.06 | 7,380.35 | 239.86 | 0.00 | 0.00 | 0.00 | 0.00 | 1,730.92 | 1,704.61 | 23.10% | 23.10% | 10,815.89 | 10,815.89 | 351.52 |
46 | 1984 | 592.94 | 1.0000 | 26 | 97.93% | 8,879.11 | 8,996.40 | 1,645.01 | 10,815.89 | 351.52 | 0.00 | 0.00 | 0.00 | 0.00 | 1,996.53 | 2,814.66 | 26.02% | 26.02% | 15,627.07 | 15,627.07 | 507.88 |
47 | 1985 | 682.94 | 1.0000 | 27 | 101.77% | 9,629.13 | 10,139.12 | 1,853.96 | 15,627.07 | 507.88 | 0.00 | 0.00 | 0.00 | 0.00 | 2,361.84 | 2,371.97 | 15.18% | 15.18% | 20,360.88 | 20,360.88 | 661.73 |
48 | 1986 | 835.48 | 1.0000 | 28 | 105.62% | 10,391.53 | 11,355.00 | 2,076.28 | 20,360.88 | 661.73 | 0.00 | 0.00 | 0.00 | 0.00 | 2,738.01 | 4,547.76 | 22.34% | 22.34% | 27,646.65 | 27,646.65 | 898.52 |
49 | 1987 | 870.22 | 1.0000 | 29 | 109.46% | 11,202.10 | 12,686.05 | 2,319.67 | 27,646.65 | 898.52 | 0.00 | 0.00 | 0.00 | 0.00 | 3,218.19 | 1,149.57 | 4.16% | 4.16% | 32,014.41 | 32,014.41 | 1,040.47 |
50 | 1988 | 926.59 | 1.0000 | 30 | 113.30% | 12,183.32 | 14,281.58 | 2,611.42 | 32,014.41 | 1,040.47 | 0.00 | 0.00 | 0.00 | 0.00 | 3,651.88 | 2,073.79 | 6.48% | 6.48% | 37,740.09 | 37,740.09 | 1,226.55 |
51 | 1989 | 1,204.70 | 1.0000 | 31 | 114.98% | 13,298.02 | 15,818.70 | 2,892.48 | 37,740.09 | 1,226.55 | 0.00 | 0.00 | 0.00 | 0.00 | 4,119.03 | 11,327.44 | 30.01% | 30.01% | 53,186.56 | 53,186.56 | 1,728.56 |
52 | 1990 | 1,032.25 | 1.0000 | 32 | 116.65% | 14,588.88 | 17,607.05 | 3,219.48 | 53,186.56 | 1,728.56 | 0.00 | 0.00 | 0.00 | 0.00 | 4,948.05 | -7,613.53 | -14.31% | -14.31% | 50,521.07 | 50,521.07 | 1,641.93 |
53 | 1991 | 1,187.70 | 1.0000 | 33 | 118.33% | 15,711.84 | 19,234.59 | 3,517.08 | 50,521.07 | 1,641.93 | 0.00 | 0.00 | 0.00 | 0.00 | 5,159.02 | 7,608.14 | 15.06% | 15.06% | 63,288.23 | 63,288.23 | 2,056.87 |
54 | 1992 | 1,363.79 | 1.0000 | 34 | 120.00% | 16,635.26 | 20,653.31 | 3,776.50 | 63,288.23 | 2,056.87 | 0.00 | 0.00 | 0.00 | 0.00 | 5,833.37 | 9,383.20 | 14.83% | 14.83% | 78,504.80 | 78,504.80 | 2,551.41 |
55 | 1993 | 1,682.17 | 1.0000 | 35 | 121.67% | 17,129.31 | 21,563.52 | 3,942.93 | 78,504.80 | 2,551.41 | 0.00 | 0.00 | 0.00 | 0.00 | 6,494.34 | 18,327.13 | 23.35% | 23.35% | 103,326.26 | 103,326.26 | 3,358.10 |
56 | 1994 | 1,521.44 | 1.0000 | 36 | 121.38% | 17,752.72 | 22,294.02 | 4,076.51 | 103,326.26 | 3,358.10 | 0.00 | 0.00 | 0.00 | 0.00 | 7,434.61 | -9,872.74 | -9.55% | -9.55% | 100,888.13 | 100,888.13 | 3,278.86 |
57 | 1995 | 1,802.57 | 1.0000 | 37 | 121.08% | 18,305.94 | 22,932.79 | 4,193.30 | 100,888.13 | 3,278.86 | 0.00 | 0.00 | 0.00 | 0.00 | 7,472.17 | 18,642.00 | 18.48% | 18.48% | 127,002.30 | 127,002.30 | 4,127.57 |
58 | 1996 | 2,013.66 | 1.0000 | 38 | 120.79% | 18,959.63 | 23,693.71 | 4,332.44 | 127,002.30 | 4,127.57 | 0.00 | 0.00 | 0.00 | 0.00 | 8,460.02 | 14,872.61 | 11.71% | 11.71% | 150,334.92 | 150,334.92 | 4,885.88 |
59 | 1997 | 2,411.00 | 1.0000 | 39 | 120.49% | 19,771.57 | 24,647.94 | 4,506.92 | 150,334.92 | 4,885.88 | 0.00 | 0.00 | 0.00 | 0.00 | 9,392.81 | 29,664.43 | 19.73% | 19.73% | 189,392.16 | 189,392.16 | 6,155.25 |
60 | 1998 | 2,673.92 | 1.0000 | 40 | 120.20% | 20,777.56 | 25,838.50 | 4,724.62 | 189,392.16 | 6,155.25 | 0.00 | 0.00 | 0.00 | 0.00 | 10,879.86 | 20,653.25 | 10.91% | 10.91% | 220,925.27 | 220,925.27 | 7,180.07 |
61 | 1999 | 3,242.06 | 1.0000 | 41 | 119.80% | 21,778.04 | 26,993.88 | 4,935.88 | 220,925.27 | 7,180.07 | 0.00 | 0.00 | 0.00 | 0.00 | 12,115.95 | 46,941.00 | 21.25% | 21.25% | 279,982.23 | 279,982.23 | 9,099.42 |
62 | 2000 | 2,983.81 | 1.0000 | 42 | 119.41% | 22,768.89 | 28,129.20 | 5,143.48 | 279,982.23 | 9,099.42 | 0.00 | 0.00 | 0.00 | 0.00 | 14,242.90 | -22,302.30 | -7.97% | -7.97% | 271,922.83 | 271,922.83 | 8,837.49 |
63 | 2001 | 2,523.90 | 1.0000 | 43 | 119.01% | 23,949.65 | 29,490.29 | 5,392.36 | 271,922.83 | 8,837.49 | 0.00 | 0.00 | 0.00 | 0.00 | 14,229.85 | -41,912.87 | -15.41% | -15.41% | 244,239.81 | 244,239.81 | 7,937.79 |
64 | 2002 | 1,893.70 | 1.0000 | 44 | 118.62% | 24,706.55 | 30,321.56 | 5,544.36 | 244,239.81 | 7,937.79 | 0.00 | 0.00 | 0.00 | 0.00 | 13,482.15 | -60,984.95 | -24.97% | -24.97% | 196,737.00 | 196,737.00 | 6,393.95 |
65 | 2003 | 2,207.40 | 1.0000 | 45 | 118.23% | 25,493.73 | 31,183.69 | 5,702.00 | 196,737.00 | 6,393.95 | 0.00 | 0.00 | 0.00 | 0.00 | 12,095.95 | 32,590.38 | 16.57% | 16.57% | 241,423.33 | 241,423.33 | 7,846.26 |
66 | 2004 | 2,412.30 | 1.0000 | 46 | 118.13% | 26,602.93 | 32,513.33 | 5,945.13 | 241,423.33 | 7,846.26 | 0.00 | 0.00 | 0.00 | 0.00 | 13,791.38 | 22,409.91 | 9.28% | 9.28% | 277,624.63 | 277,624.63 | 9,022.80 |
67 | 2005 | 2,385.71 | 1.0000 | 47 | 118.03% | 27,819.47 | 33,971.80 | 6,211.81 | 277,624.63 | 9,022.80 | 0.00 | 0.00 | 0.00 | 0.00 | 15,234.61 | -3,060.17 | -1.10% | -1.10% | 289,799.07 | 289,799.07 | 9,418.47 |
68 | 2006 | 3,221.42 | 1.0000 | 48 | 117.93% | 29,125.46 | 35,536.93 | 6,498.00 | 289,799.07 | 9,418.47 | 0.00 | 0.00 | 0.00 | 0.00 | 15,916.47 | 101,516.10 | 35.03% | 35.03% | 407,231.64 | 407,231.64 | 13,235.03 |
69 | 2007 | 3,219.05 | 1.0000 | 49 | 117.83% | 30,574.58 | 37,273.88 | 6,815.60 | 407,231.64 | 13,235.03 | 0.00 | 0.00 | 0.00 | 0.00 | 20,050.63 | -299.60 | -0.07% | -0.07% | 426,982.67 | 426,982.67 | 13,876.94 |
70 | 2008 | 2,241.00 | 1.0000 | 50 | 117.73% | 31,678.28 | 38,587.12 | 7,055.73 | 426,982.67 | 13,876.94 | 0.00 | 0.00 | 0.00 | 0.00 | 20,932.67 | -129,730.95 | -30.38% | -30.38% | 318,184.39 | 318,184.39 | 10,340.99 |
71 | 2009 | 2,078.92 | 1.0000 | 51 | 116.16% | 31,617.73 | 37,997.70 | 6,947.95 | 318,184.39 | 10,340.99 | 0.00 | 0.00 | 0.00 | 0.00 | 17,288.95 | -23,012.64 | -7.23% | -7.23% | 312,460.70 | 312,460.70 | 10,154.97 |
72 | 2010 | 2,660.49 | 1.0000 | 52 | 114.58% | 32,345.72 | 38,345.07 | 7,011.47 | 312,460.70 | 10,154.97 | 0.00 | 0.00 | 0.00 | 0.00 | 17,166.44 | 87,409.70 | 27.97% | 27.97% | 417,036.84 | 417,036.84 | 13,553.70 |
73 | 2011 | 2,865.51 | 1.0000 | 53 | 113.00% | 33,148.04 | 38,755.57 | 7,086.53 | 417,036.84 | 13,553.70 | 0.00 | 0.00 | 0.00 | 0.00 | 20,640.23 | 32,137.27 | 7.71% | 7.71% | 469,814.34 | 469,814.34 | 15,268.97 |
74 | 2012 | 3,473.99 | 1.0000 | 54 | 111.43% | 33,584.29 | 38,717.88 | 7,079.64 | 469,814.34 | 15,268.97 | 0.00 | 0.00 | 0.00 | 0.00 | 22,348.61 | 99,763.26 | 21.23% | 21.23% | 591,926.21 | 591,926.21 | 19,237.60 |
75 | 2013 | 3,609.63 | 1.0000 | 55 | 109.85% | 33,979.66 | 38,619.52 | 7,061.65 | 591,926.21 | 19,237.60 | 0.00 | 0.00 | 0.00 | 0.00 | 26,299.26 | 23,111.43 | 3.90% | 3.90% | 641,336.90 | 641,336.90 | 20,843.45 |
76 | 2014 | 3,685.00 | 1.0000 | 56 | 107.09% | 34,397.88 | 38,113.09 | 6,969.05 | 641,336.90 | 20,843.45 | 0.00 | 0.00 | 0.00 | 0.00 | 27,812.50 | 13,391.28 | 2.09% | 2.09% | 682,540.68 | 682,540.68 | 22,182.57 |
77 | 2015 | 3,444.26 | 1.0000 | 57 | 104.33% | 35,241.89 | 38,042.42 | 6,956.13 | 682,540.68 | 22,182.57 | 0.00 | 0.00 | 0.00 | 0.00 | 29,138.70 | -44,590.19 | -6.53% | -6.53% | 667,089.19 | 667,089.19 | 21,680.40 |
78 | 2016 | 3,747.86 | 1.0000 | 58 | 101.58% | 35,351.30 | 37,151.55 | 6,793.23 | 667,089.19 | 21,680.40 | 0.00 | 0.00 | 0.00 | 0.00 | 28,473.63 | 58,801.68 | 8.81% | 8.81% | 754,364.51 | 754,364.51 | 24,516.85 |
79 | 2017 | 4,193.64 | 1.0000 | 59 | 98.82% | 36,210.04 | 37,020.54 | 6,769.28 | 754,364.51 | 24,516.85 | 0.00 | 0.00 | 0.00 | 0.00 | 31,286.12 | 89,726.03 | 11.89% | 11.89% | 875,376.66 | 875,376.66 | 28,449.74 |
80 | 2018 | 4,222.00 | 1.0000 | 60 | 96.06% | 37,211.90 | 36,982.76 | 6,762.37 | 875,376.66 | 28,449.74 | 0.00 | 0.00 | 0.00 | 0.00 | 35,212.11 | 5,919.84 | 0.68% | 0.68% | 916,508.62 | 916,508.62 | 29,786.53 |
81 | 2019 | 4,247.59 | 1.0000 | 61 | 94.78% | 38,500.00 | 37,752.76 | 6,903.17 | 916,508.62 | 29,786.53 | 0.00 | 0.00 | 0.00 | 0.00 | 36,689.70 | 5,555.06 | 0.61% | 0.61% | 958,753.37 | 958,753.37 | 31,159.48 |
82 | 2020 | 3,589.76 | 1.0000 | 62 | 93.50% | 39,215.61 | 37,934.83 | 6,936.46 | 958,753.37 | 31,159.48 | 0.00 | 0.00 | 0.00 | 0.00 | 38,095.94 | -148,483.43 | -15.49% | -15.49% | 848,365.88 | 848,365.88 | 27,571.89 |
83 | 2021 | 4,208.02 | 1.0000 | 63 | 92.22% | 39,215.61 | 37,415.17 | 6,841.44 | 848,365.88 | 27,571.89 | 0.00 | 0.00 | 0.00 | 0.00 | 34,413.33 | 146,113.02 | 17.22% | 17.22% | 1,028,892.23 | 1,028,892.23 | 33,439.00 |
84 | 2021 | 4,208.02 | 1.0000 | 64 | 90.94% | 39,215.61 | 36,895.52 | 6,746.42 | 1,028,892.23 | 33,439.00 | 0.00 | 0.00 | 0.00 | 0.00 | 40,185.41 | 0.00 | 0.00% | 0.00% | 1,069,077.65 | 1,069,077.65 | 34,745.02 |
85 | 2022 | 4,208.02 | 1.0000 | 65 | 89.66% | 39,215.61 | 36,375.86 | 6,651.40 | 1,069,077.65 | 34,745.02 | 0.00 | 0.00 | 0.00 | 0.00 | 41,396.42 | 0.00 | 0.00% | 0.00% | 1,110,474.07 | 1,110,474.07 | 36,090.41 |
86 | 2023 | 4,208.02 | 1.0000 | 66 | 87.78% | 39,215.61 | 35,616.37 | 6,512.52 | 1,110,474.07 | 36,090.41 | 0.00 | 0.00 | 0.00 | 0.00 | 42,602.93 | 0.00 | 0.00% | 0.00% | 1,153,077.00 | 1,153,077.00 | 37,475.00 |
87 | 2024 | 4,208.02 | 1.0000 | 67 | 85.91% | 39,215.61 | 34,856.87 | 6,373.65 | 1,153,077.00 | 37,475.00 | 0.00 | 0.00 | 0.00 | 0.00 | 43,848.65 | 0.00 | 0.00% | 0.00% | 1,196,925.65 | 1,196,925.65 | 38,900.08 |