Scenario planning
Compare different paths to financial independence
What if you contributed more? What if returns were lower? What if you retired earlier? Yield Clarity lets you create scenarios that modify your plan and compare the outcomes side by side.
How scenarios work
A scenario starts as a copy of your current plan. You then change one or more inputs — contribution amount, return assumption, retirement income, withdrawal rate, or retirement date — and Yield Clarity recalculates both the expected path and probabilistic forecast.
The result is a clear comparison: base plan versus modified scenario, showing the difference in projected FI date and probability.
Scenario comparison
Example data
Example scenarios
Increase contributions
What if you contributed an extra £500 per month? See how accelerating savings shifts your FI date.
Lower returns
What if markets returned 4% instead of 6%? Model conservative assumptions to stress-test your plan.
Earlier retirement
What if you retired 3 years sooner? See the impact on sustainability and probability.
Higher retirement income
What if you needed £50,000 per year instead of £42,000? See the required portfolio and timeline.
Career break
What if you took a year off with zero contributions? See the long-term effect.
Reduce withdrawal rate
What if you used a 3.5% rate instead of 4%? See the trade-off between safety and FI date.
Test a scenario on your plan
Create what-if scenarios against your own portfolio and FI target.
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