Advanced Tools
Create and compare multiple wealth-building scenarios. Test different assumptions about contributions, investment returns, timelines, and goals to understand potential outcomes.
Final Balance
R 1 933 382
Total Invested
R 1 017 333
Investment Gain
R 916 048
Final Balance
R 4 561 312
Total Invested
R 2 033 957
Investment Gain
R 2 527 355
Final Balance
R 10 443 128
Total Invested
R 3 985 567
Investment Gain
R 6 457 561
💡 Tips: Create different scenarios to understand how changes in contribution amounts, returns, or time horizon affect outcomes. Use this tool to test "what if" questions like "What if I increase my monthly contribution by R2,000?" or "What if my returns are 2% lower than expected?"
Start with the three default scenarios (Conservative, Moderate, Aggressive) to see how different contribution and return assumptions affect outcomes. The chart shows your path to wealth under each scenario.
Modify any parameter to match your actual situation or test new ideas. Change starting capital, monthly contributions, expected returns, or time horizon. See how each adjustment affects your outcomes.
The chart and summary cards show how each scenario performs over time. Comparing scenarios helps you understand:
Use the What-If Lab to inform your planning. Understand which variables matter most to your goals. For example, if you see that a 1% change in returns doesn't significantly impact outcomes but a 10% change in contributions does, you know that increasing your savings rate is more important than chasing high returns.
The amount of money you already have invested. This is the foundation that your monthly contributions and returns will build upon.
How much new money you add each month. This is often the most important variable for building wealth. Increasing your savings rate (the percentage of income you invest) can dramatically accelerate wealth building.
The percentage your investments grow each year on average. Conservative = 6%, Moderate = 8%, Aggressive = 10%. Historical stock market average is around 10%, bonds 5%, real estate 6-8%.
How much your monthly contributions increase each year. Conservative = 3%, Moderate = 5%, Aggressive = 7%. This reflects getting raises or increasing savings over time.
How long you plan to invest. Longer time horizons allow for more compound growth. The difference between 20 and 30 years of investing is substantial.
Insight 1: Contributions Matter Most Early - When you start with little capital, increasing contributions has more impact than chasing higher returns.
Insight 2: Time is Your Advantage - Starting early, even with small amounts, beats starting late with large amounts due to compound growth.
Insight 3: Consistency Beats Performance - Regular monthly contributions often matter more than trying to time the market perfectly.
Insight 4: Small Changes Compound - A 2% increase in your savings rate or 1% higher returns compounds dramatically over 20+ years.
Insight 5: Risk-Return Trade-off - Higher expected returns require taking more risk. Conservative portfolios are more stable but grow slower.
Educational Disclaimer: The What-If Lab is for educational and planning purposes only. It does not constitute financial advice. Actual results will differ based on market conditions, your specific investments, fees, taxes, and personal circumstances. Consult with a qualified financial advisor before making investment decisions.