Set your pot, the income you want to draw, and how markets might behave. The Navigator projects your fund alongside up to six alternatives, quarter by quarter, and estimates the odds your money lasts a lifetime. Simple to drive; every figure is open to inspection.
By default the sliders above run the whole plan. Add one or more phases to override them for set periods — e.g. a downturn or negative-growth spell early on. A phase applies up to its year; any years after your last phase fall back to the main sliders. Set shares/bonds growth negative to model a market fall for those years. The Draw £ box lets you change the yearly income for that period too — e.g. a higher figure to fund a project, or a lower one to ease off in a downturn; leave it blank to keep your main income. Negative growth is allowed; the summary below shows exactly what applies when.
Pick a fund from the curated library to add it to the comparison with all its data pre-filled — no manual typing. Browse the full list to see each fund's fundamentals. Figures are an indicative snapshot (~Sep 2026) and stay editable. To add a fund that isn't listed, just tell me and I'll source it and add it.
| Fund | Mix | OCF | Size | Risk | 1yr | 3yr | 5yr | 10yr |
|---|
Returns are net; 3/5/10yr are annualised; “—” = not available. Risk is an indicative 1–7 level. Verify against the linked factsheet before relying on any figure.
Each card below is one of your funds — type straight into any box to change its name, equity split or charge, tap Yours to mark your own holding, or × to remove it. The key control is Return adj — expected out- or under-performance versus the shared market outlook, in % a year. Any non-zero adjustment means it's no longer a strict like-for-like comparison.
“Apply 5-yr track record” fills in each fund's return adjustment so its expected return equals its actual net return over the 5 years to Aug 2026 — Example fund 7.0% (sample), HSBC 8.8%, MyMap 6 8.6%, Vanguard LS80 8.6%, abrdn 8.0%, L&G MI6 7.5%, MI7 9.5% (in the Central outlook; your platform/adviser fees still apply on top). It answers “what if each fund repeated its recent record?” — it is not a forecast, and past performance is not a guide to the future. “Reset adjustments” rolls every fund back to zero (a strict like-for-like comparison).
Paste an ISIN first. If it's a fund the tool already knows (any in the library), the whole form fills in automatically. Otherwise the factsheet link builds itself from the ISIN and you fill the rest by hand — only name, equity % and charge are essential; the others sharpen the comparison. For a fund that isn't in the library, tell me its name or ISIN in chat and I'll research the figures and add it for you.
Prefer not to type it all? Just tell me the fund name or ISIN in the chat and I'll research the metrics and add it to the library for you.
Illustration only, not financial advice. Your figures never leave your browser.
Anyone drawing — or about to draw — an income from an invested pension pot faces one question: will it last? The Navigator answers it for your own numbers, and shows how the fund you pick and the charges you pay quietly change the outcome over a lifetime.
Every figure is an assumption you control. The starting example is illustrative; change the pot, the income, the market outlook and the funds to match your own situation.
1Each quarter the income is taken first, then the balance grows.
2A fund's return = your shares-growth and bonds-growth rates applied to its equity/bond mix, minus its yearly costs (fund charge, plus any platform or adviser fee you add).
3Income rises with inflation each year; "today's money" strips inflation back out so figures stay comparable.
4The odds come from running 2,000 random market histories around your average — using fatter‑tailed returns with mild year‑to‑year momentum, so occasional crashes and streaks are represented. The same inputs always give the same odds.
Private by design. Everything is calculated in your own browser — none of your figures are sent anywhere or stored.
Editable, and it dates. Fund charges and asset mixes reflect factsheets from late July–early September 2026; check current figures before relying on them.
Not advice. This is a thinking tool, not personal financial advice, and its author is not a financial adviser. Results are only as good as the assumptions entered. For a decision of this size, consider a one-off review with an FCA-regulated adviser.