Ri Model Calculator

select: retirement income (RI)
Examples

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Examples are based on investor of 65 years old at time of investment with £100,000 of initial capital.

Select the required options using the dropdowns above

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Assumptions
Investor is assumed to be 65 years old at the time of investment. All in investment management fee is equal to 1.25% annually. It is assumed that capital is divided between the SLI and model portfolio in reccomended percentages and that the financial adviser purchases the recommended SLI allocation for each risk level. Guaranteed income rate assumed for SLI held alongside Select: RI+ is 6.5% annually which is for an individual of average health. Income required for drawdown purposes is 4.5% of initial invested amount annually (fixed £ amount). Inflation is not taken into account within this simulation and it is assumed your income requirement remains static. Income requirement may increase or decrease over time due to inflation or your personal circumstances. Income requirement and management fees are assumed to be charged at the beginning of the month. Capital market assumptions are provided by BII and are listed along with portfolio weights on the portfolio assumptions tab. No tax effect is taken into account within this simulation. A semi-annual rebalance of the investment portfolio is assumed. A poor outcome is the 5th percentile outcome of the model at the mortality point chosen. A moderate outcome is the 50th percentile outcome of the model at the mortality point chosen. A favourable outcome if the 95th percentile outcome of the model at the mortality point chosen.

Disclaimer
Portfolio performance is based on a stochastic forward looking (simulated) model, relied upon from third parties and which may not be any representative of historical asset class performance. Simulated performance is not a guide on future performance and should not be the sole factor when selecting a product. The price of investments may go up or downa nd the investor may not get back the amount invested. All in investment charge includes OCF/TER of the underlying funds, platform charge, Copia's management charge and an assumed advisor fee which amounts to a total cost of 1.25% annually chargable to the investor. This information has been provided in good faith for the sole purpose of supporting you assesment of the models.

Copia Capital Management

Hamilton House, 1 Temple Avenue, London, EC4Y 0HA

Understanding the risks

This information is intended for professional financial advisers only. Copia does not provide financial advice. This information is not intended as financial advice and should not be interpreted as such. Model investment portfolios may not be suitable for everyone. The value of funds can increase and decrease, past performance and historical data cannot guarantee future success. Investors may get back less than they originally invested.

Copia Capital Management is a trading name of Novia Financial Plc. Novia Financial Plc is a limited company registered in England & Wales. Register Number: 06467886. Registered office: Cambridge House, Henry St, Bath, Somerset BA1 1JS. Novia Financial Plc is authorised and regulated by the Financial Conduct Authority. Register Number: 481600.

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