The difference time can make
KPO Private Wealth / Wealth Builder
See what’s possible.
Start with your numbers.
Explore the difference that capital, regular saving and time could make. Then consider what your wealth might support in the years ahead.
Illustrative pot at age 65
—At 6% a year before costs. 5.21% after the costs you’ve entered.
Total you pay in—
Illustrative growth / loss—
In today’s money—
Your money over time.
Start nowStart laterKeep in cash
The buying power behind the number
What could it mean in today’s money?
—Today’s buying power of the cash example at age 65, using your inflation and cash-interest assumptions.
Cash has an important role in a financial plan. Investment returns carry risks that cash deposits do not.
See the year-by-year numbers +
| Age | Paid in now | Start now | Paid in later | Start later | Cash |
|---|
The next chapter
Could your wealth
support an income?
Start with the pot built above. Explore taking an income after saving stops, and compare it with leaving the pot invested.
Pot when saving stops—
Total income paid—
Pot remaining at age 90—
Unmet income requested—
Three paths for your future.
Values before inflationStart now · take incomeStart later · take incomeStart now · no income
See income paid and remaining balances +
| Age | Requested income | Income paid | Pot remaining | No income taken | Later: paid | Later: pot |
|---|
This is not a safe-income recommendation. Returns are constant in this example. Real losses, particularly early in retirement, can make a pot run out sooner. Tax, other income and pension access restrictions are not modelled.
Start with a goal that matters
A home. A new chapter.
More choices.
Explore the fixed monthly saving needed for a target pot when saving stops, using the same assumptions and starting capital. This target excludes later withdrawals.
Illustrative monthly saving required
—per monthHow the Wealth Builder works +
This is an educational illustration, not personal advice, a forecast, a product recommendation or a measure of the benefit of joining KPO. Results depend entirely on the assumptions you choose.
Starting capital is invested immediately in “start now”. Monthly payments are fixed, added at month-end and stop at your selected age. Annual returns are treated as effective rates. The annual growth factor is multiplied by one minus the annual cost rate, then converted to an equivalent monthly rate.
In “start later”, no monthly payments are made during the waiting period. Starting capital earns the selected cash rate until investing begins. Missed payments are not caught up and the end date stays the same. The cash example receives the same payments as “start now” and earns the cash rate throughout. The waiting difference therefore includes missed contributions as well as differences in growth.
Today’s-money values divide each future balance by cumulative inflation from your current age. Headline totals and tables remain in future money unless explicitly labelled. Currency selection changes the display unit only: it does not convert amounts or model country-specific rules.
The income illustration begins one month after monthly saving stops. Each month, growth and costs are applied before the withdrawal. If inflation increases are selected, the monthly withdrawal increases once per year. Payments are limited to the available balance; unmet requested income is shown as a shortfall. A zero withdrawal leaves the pot invested. The “no income” line makes no withdrawals.
The target calculation finds a fixed month-end contribution needed to reach the chosen pot when saving stops and rounds up to a whole currency unit. It ignores later withdrawals. Income tax, capital gains tax, contribution limits, pension access restrictions, currency changes, product charges beyond your cost input and variable market returns are not modelled.
These examples can be used to prepare questions for an appropriately authorised adviser. Keep money for bills and emergencies accessible. Investments can fall in value and you could get back less than you invest.
A confidential first step
Let’s put your wealth
in perspective.
Tell us what matters to you.
We can explore the right next steps together.