My Nut Pile

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version 0.8.5 alpha

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Profile

Birthday

Married

Registered Blind

In Scotland

State Pension NI Qualifying Years You'll need at least 10 qualifying years to get a state pension, and 35 for a full one, enter the number of qualifying years that you have currently have. See www.gov.uk/new-state-pension/how-its-calculated for more information

Retirement Income Pontification

When will I be able to retire?At personal or state pension age? or before?

What level of income can I expect in retirement?Tax efficiency and income tax? State pension entitlement?

When will I run out of money?Risk appetite? Life expectancy?

If you are not sure you understand how to answer these questions, or want to better plan for your retirement, My Nut Pile is designed to help. Sign up

{{data_client["name"]}}, {{data_client["age"]}}

Your portfolio has a value of {{get_ccy_display(data_fund_retire_value)}}Let's get started...

{{fund["name"]}}

Value
Details
Deposits
Delete

{{get_ccy_display(fund["value"])}} {{get_date_desc(fund["value-date"])}}

Tax-free {{get_fund_type_desc(fund["type"])}} with a retirement age of {{fund["pension"]["age"]}} and {{get_risk_desc_2(fund["pension"]["risk"])}} risk profile in retirement with {{get_risk_desc_2(fund["pension"]["risk"])}} risk profile in retirement @ {{get_number_display(fund["rate"]*100,2)}}%

Addyour firstPension, ISA or other savings account

Delete?

Value Date

Value £

Specified Retirement Age

Risk Profile in Retirement Determines the mix of stock & shares, fixed income and cash once in retirement

Customise Risk Profiles

Customise

{{get_growth_rate_desc(ft.type)}} %

{{get_number_display(disp_risk_base_profiles[frm_fund['pension-risk']][ft.type]*100)}}% {{get_growth_rate_desc(ft.type)}}

Tax-free (ISA)

Fixed Rate %

Amount £

Day

Month

Annual Increase %

Your portfolio could be worth {{get_ccy_display(disp_proj_value[frm_proj.opt])}} when you retire in {{calced_proj.age-data_client["age"]}} years time

Retirement age Your state pension age is {{data_client['state-pension-age']}}, your minimum personal pension age is therefore {{data_client['state-pension-age']-10}} unless otherwise specified by your individual personal pension

Portfolio growth expectation

Customise Growth Rates

Customise

{{get_growth_rate_desc(ft.type)}} %

{{get_growth_rate_desc(ft.type)}} @ {{get_number_display(disp_fund_base_rates[frm_proj.opt][ft.type]*100,2)}}%

Age

Value

Portfolio - Age {{age}}

Deposits

Growth

{{fund["name"]}} ({{get_number_display(fund["rate"]*100,2)}}%)

Value

You can expect to run out of money in year {{disp_pension_year[frm_proj.opt+frm_pension.opt]}} of your retirement aged {{disp_pension_year[frm_proj.opt+frm_pension.opt] + calced_proj.age}} after you are likely dead

Lump sum £ Cash lump sum required at retirement, required to repay a mortgage and other debts for example (based on today's value of money, inflation will NOT be applied)

Gross income £ Income level expected or hoped for in retirement before tax (based on today's value of money, inflation will be applied to estimate equivalent future values)

Customise Inflation Rates

Customise

{{get_infl_rate_desc(ft.type)}} % {{get_infl_rate_info(ft.type)}}

{{get_infl_rate_desc(ft.type)}} @ {{get_number_display(disp_infl_base_rates[ft.type]*100,2)}}% {{get_infl_rate_info(ft.type)}}

Portfolio growth expectation in retirement

Customise Growth Rates

Customise

{{get_growth_rate_desc(ft.type)}} %

{{get_growth_rate_desc(ft.type)}} @ {{get_number_display(disp_pension_base_rates[frm_pension.opt][ft.type]*100,2)}}%

Age

Value

Net Income

Portfolio - At RetirementYear {{yr}}

Growth

{{fund["name"]}} ({{get_number_display(fund["rate"]*100,2)}}%)

*{{fund["name"]}} ({{get_number_display(fund["rate"]*100,2)}}%)

*Tax-free

Additional Rate

Tax-free Income

Tax-free Interest

Total Taxable

Basic

Higher

Additonal

PV {{get_ccy_display(calc_pv(pension["net-income"],get_number(yr)))}}

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My Nut Pile{{env_msg}}

version 0.8.5 alpha

Fatal Error

My Nut PileActivate Your Account{{env_msg}}

My Nut PilePassword Reset{{env_msg}}

My Nut PileSign in{{env_msg}}

My Nut PileSign up{{env_msg}}

Profile

Retirement Income Pontification

When will I be able to retire?At personal or state pension age? or before?

What level of income can I expect in retirement?Tax efficiency and income tax? State pension entitlement?

When will I run out of money?Risk appetite? Life expectancy?

If you are not sure you understand how to answer these questions, or want to better plan for your retirement, My Nut Pile is designed to help. Sign up

Your portfolio has a value of {{get_ccy_display(data_fund_retire_value)}}Let's get started...

{{frm_fund.name}}

{{frm_fund.name}}

{{frm_fund.name}}

{{frm_fund_pays["fund-name"]}}

Your portfolio could be worth {{get_ccy_display(disp_proj_value[frm_proj.opt])}} when you retire in {{calced_proj.age-data_client["age"]}} years time

Portfolio - Age {{age}}

{{get_ccy_display(proj["payments"])}}

{{get_ccy_display(proj["growth"])}}

{{get_ccy_display(proj["value"])}}

You can expect to run out of money in year {{disp_pension_year[frm_proj.opt+frm_pension.opt]}} of your retirement aged {{disp_pension_year[frm_proj.opt+frm_pension.opt] + calced_proj.age}} after you are likely dead

Portfolio - At RetirementYear {{yr}}

{{get_ccy_display(pension["growth"])}}

{{get_ccy_display(-pension["income"])}}

{{get_ccy_display(pension["cash-reserve"])}}

{{get_ccy_display(pension["lump-sum"])}}

{{get_ccy_display(pension["value"])}}

Net Income - Year {{get_number(yr)+1}}

{{get_ccy_display(pension["income"])}}

{{get_ccy_display(-pension["lump-sum"])}}

{{get_ccy_display(-pension["tax-free-lump-sum"])}}

{{get_ccy_display(pension["state-pension"])}}

{{get_ccy_display(pension["gross-income"])}}

{{get_ccy_display(-pension['tax']['total-tax'])}}

{{get_ccy_display(pension["net-income"])}}