Welcome to our Sequence of Returns Risk Tool
See how the timing of investment returns can impact your pension fund when taking an income during retirement.
Simply enter a few details. We’ll then use your information on the following screens to compare different hypothetical scenarios.
Shows how 's pension fund would be sustained with a hypothetical investment growth over every year of retirement. The figures assume you’re taking income each year until the fund runs out, a 0.7% fund charge and a 0.25% wrapper charge.
Shows how 's pension fund would be sustained with a hypothetical average investment growth over the first 25 years of retirement, but with poor investment returns in the early years, inclusive of annual income being taken until the fund runs out and a 0.7% fund charge and 0.25% wrapper charge.
Shows how 's pension fund would be sustained with a hypothetical average investment growth over the first 25 years of retirement, but with strong investment returns in the early years and poor investment returns in the latter years. It includes annual income being taken until the fund runs out and a 0.7% fund charge and 0.25% wrapper charge.
Shows how 's pension fund would have been sustained based on a historical scenario following the movements of the UK Equity Market from the year 1985.
This assumes income being taken each year until the fund runs out, a 0.7% fund charge and 0.25% wrapper charge.
fund and product charges and any withdrawals made from the fund.
Investment performance scenarios to review:
In this option you can see how 's fund would have lasted using yearly figures from the UK Equity Market from onwards
Use the slider to select a starting point in the UK Equity Market’s history
We’ve used realistic equity market data figures
from LV= until 2016 and then repeated these as hypothetical future returns.
Please note: past results are not necessarily indicative of future performance
In this option you can see how 's fund would have lasted using yearly figures from the UK Equity Market from 1985 onwards