Lump Sum Capital Allocator & Horizon Framework

Calibrated for the £64,000 dilemma: Balance bank inflation loss vs. market volatility

Capital Parameters Source Baseline: £64,000
Investment Horizon Target 15 Years
Temperament: "Sleep Well" vs "Eat Well" Balanced (50/50)
0: Pure Preservation (Bonds/Cash) 100: Max Growth (100% Equities)
Source-Grounded Strategy Presets

Select a verified allocation philosophy directly reflected in the investor discussion:

The Source Reality Check: "If you keep all your money in the bank your money will be worth less by year end. Inflation is at 5% and the bank will pay 0.7% at the most. It is a guaranteed loss. Stocks can pay 10% average over the last 100 years."
Active 4-Horizon Capital Allocation £64,000 (100%)
Horizon 0–2 Yrs
1. Liquidity Runway
£15,000
23.4% of total

Instant access high-yield cash & premium bonds. Protects against forced liquidations during sudden job disruption.

Horizon 2–5 Yrs
2. Defensive Yield
£17,280
27.0% of total

Short-to-intermediate government gilts/treasuries and investment grade corporate bonds. Stabilizes capital drawdowns.

Horizon 5–15 Yrs
3. Core Global Equities
£25,600
40.0% of total

Low-cost broad market index funds (FTSE All-World / S&P 500). The primary engine to beat monetary inflation.

Horizon 10+ Yrs
4. Asymmetric Growth
£6,120
9.6% of total

High conviction tech, innovation thematic, or small-cap value. Designed for asymmetric upside over multi-decade spans.

Real Purchasing Power: Portfolio vs Bank Cash Drag Adjusted for 3.5% Inflation
Allocated Portfolio (Real Value) 100% Cash in Bank (Inflation Erosion)
Historical Drawdown Stress-Test

Estimated portfolio shock under historical market dislocations:

2008 Great Financial Crisis
Equities -50%, Bonds +8%
-£14,840 (-23.2%)
2022 Stagflation Shock
Equities -18%, Bonds -13%
-£8,380 (-13.1%)
10-Year Bank Cash Drag
Inflation 4.0% vs Bank 1.5%
-£14,120 (-22.1%)
Max Projected Drawdown
Historical worst 12-month drop
-26.5%
Initial Lump Sum
£64,000
Projected Net Value (15y)
£138,450
Inflation Protection Delta
+£81,200