Forecasting

Two ways to see your future

Yield Clarity offers a deterministic expected-path forecast and a probabilistic range of outcomes. Together they give you a clearer picture than either could alone.

Expected path

A single projection based on your assumptions

The expected-path forecast plots your portfolio growth month by month using the return assumption, contributions and expenses you've selected. It produces one projected FI date.

  • Planning return — portfolio-derived or manual
  • Contribution phases with start and end dates
  • Inflation assumption
  • Retirement income target and withdrawal rate
  • Withdrawal strategy selection

Every assumption is shown and adjustable. The result is transparent — not a black box.

Projected FI date

November 2034

8 years, 3 months from now

Return

6.2% p.a.

Inflation

2.5%

FI target

£840,000

Withdrawal

4.0%

Probability by target

49%

Moderate

Sustainability

99%

15-year horizon

Likely FI window

January 2032 — July 2038

Sequence risk

Poor early returns increase depletion probability from 1% to 8%

Range & Probability

Planning for uncertainty

Markets don't follow a straight line. Yield Clarity runs 10,000 simulated market paths to show you a range of possible outcomes and the probability of reaching your target.

  • Probability of reaching FI by your target date
  • Likely FI window (most outcomes land here)
  • Retirement sustainability over your chosen horizon
  • Sequence-of-returns risk analysis
  • Confidence ranges: 50% and 80% outcome bands