Asset Mix Calculator

List your pensions and ISAs, and whether each one is invested or held in cash. The calculator works out the average growth rate and charges on your invested money, and the average interest rate on your cash, each weighted by how much you hold. It doesn't change your plan.

A Premium calculator

Premium members can use the Asset Mix Calculator to:

list every pension and ISA, invested or in cash, with its own growth rate and charges
see the average growth and charges across their invested pensions, and across their ISAs
see the average interest rate across all the cash they hold
compare those averages with the assumptions in their plan

Calculation Details

EXAMPLE

PENSIONS: £250,000
Invested: £230,000 (92.0%)
   Workplace pension: £150,000, growth 7.00%, charges 0.50%
   Old personal pension: £80,000, growth 6.00%, charges 1.20%
   Weighted growth = (£150,000 × 7.00% + £80,000 × 6.00%) ÷ £230,000 = 6.65%
   Weighted charges = (£150,000 × 0.50% + £80,000 × 1.20%) ÷ £230,000 = 0.74%
   Growth after charges = 6.65% − 0.74% = 5.91%
Cash: £20,000 (8.0%)
   SIPP cash: £20,000, interest 3.00%

ISAS: £60,000
Invested: £45,000 (75.0%)
   Stocks and shares ISA: £45,000, growth 7.00%, charges 0.25%
   Weighted growth = 7.00% (one holding)
   Weighted charges = 0.25% (one holding)
   Growth after charges = 7.00% − 0.25% = 6.75%
Cash: £15,000 (25.0%)
   Cash ISA: £15,000, interest 4.00%

ALL CASH (pensions and ISAs): £35,000
   Weighted interest = (£20,000 × 3.00% + £15,000 × 4.00%) ÷ £35,000 = 3.43%