Evidence-Based Wealth Projection Tool | Off-Piste Wealth
The Off-Piste Wealth Projection Tool lets you model how your wealth could grow over time — with and without professional financial advice — based on peer-reviewed academic research.
The tool draws on three independent studies that quantify the value of financial advice: Vanguard's Adviser's Alpha research (approximately 3% per year in net returns), the ILC/Royal London study (advised clients accumulate around 50% more wealth at retirement), and Morningstar's analysis of behavioural coaching. We apply a conservative 1.5% per year adviser alpha to keep projections realistic.
What the Tool Shows
- Cash scenario — your wealth if kept in cash, eroded by inflation over time
- DIY investing scenario — projected growth if you invest independently at your chosen return rate
- With advice scenario — the same portfolio with the research-evidenced adviser alpha applied
You can adjust your current assets, monthly savings, current age, target retirement age, and assumed investment return to see how each input changes the outcome. Key milestones such as pension access age (55 rising to 57 in 2028) and state pension age (67) are marked on the projection chart.
The tool is illustrative and does not constitute regulated financial advice. Past performance is not a reliable indicator of future results.
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