My investment plan

My investment plan adds up everything you save and invest — shares and ETFs, pensions, savings accounts, bonds, crypto and anything of your own — and shows what it could be worth in 1 to 60 years. You see the final amount first, then what it is in today’s money, the range between weaker and stronger years, and how much you paid in versus what the returns added.

Building the plan

You can start in three ways:

• From your investments. If you track accounts in Assetli, one click turns your brokers, crypto, pensions, other investments and savings accounts into parts of the plan. Each part says where its numbers came from (current value, regular payments, the account’s interest rate or the market average).
• From a template, such as ETFs with a reserve, ETFs with a pension, or saving for a child.
• Blank, adding parts by hand.

A plan has up to 12 parts. Each part has a type (shares and ETFs, pension, savings, bonds, crypto, custom), its current value and the contribution with its frequency — weekly, monthly, yearly or “once every N” weeks, months or years. The plan always shows the monthly equivalent, so 12,000 a year and 1,000 a month give the same result.

Growth is chosen by nature — cautious, moderate or optimistic — or as your own annual rate. These are planning assumptions, not forecasts. Under More options you can set the annual fee (TER), a yearly increase of the contribution, the year contributions stop, and an employer contribution.

State support and tax advantages

If a part is a state-supported scheme on your market — for example a stocks and shares ISA, a Lifetime ISA or a personal pension — you choose the scheme on the part. The plan then shows:

• what the state adds (for example the Lifetime ISA bonus) and includes it in the projection where the rules do not depend on anything we do not know,
• how much of each limit or allowance you use and what is left,
• shared limits: when several schemes share one limit (all ISAs share one annual allowance), the plan adds them together instead of counting the limit twice,
• tips in Insights: room left in a limit, or a state top-up you are not getting yet.

For tax relief or an employer limit, paying in more is not an error — you keep the full advantage, only the extra part gets none. Allowances that cap what you can pay in, such as the ISA allowance, cannot be exceeded; the plan shows how much would not fit. Either way it says so calmly, not as a warning.

A few rules make the numbers fair:

• Own, employer and excluded money are kept apart. State top-ups and deductions count only your own contributions; employer contributions have their own limits; a one-off payment can be left out.
• Amounts follow the scheme. Where support is calculated from every month (pay-based schemes), amounts are entered monthly; where the limit is per tax year, yearly.
• Your tax is not calculated. It depends on income we do not know; the plan shows allowances and limits, not a tax bill.
• A scheme announced for a future date is used only from the date it takes effect.

The list of schemes for your market, with their official sources and the date we verified them, is on the My investment plan page. The same overview built from your real investments is in Savings overview → State support.

One setting everywhere

Parts created from your investments stay linked to them, so it does not matter where you change something:

What	Broker account, savings account	Other investments
Scheme (ISA, pension…)	synced both ways	synced both ways
Contribution and frequency	synced both ways	taken from the investment’s regular plans
Employer contribution	synced both ways	from regular payments marked as employer

• The plan keeps its own frequency — for example 48,000 a year — and the investment stores the same as a monthly amount, shown in the scheme’s period.
• Other investments (such as a pension recorded with its regular payments) take contributions from their regular plans on the Transactions tab. Those plans create real transactions, so the plan does not overwrite them; in the plan the contribution is shown as read-only, with a note where to change it. On each regular payment you choose whose it is: my contribution, employer contribution or do not count.
• For an investment in a different currency from the plan, only the scheme is synced, not the amounts.

Scenarios and range

The range comes from 500 Monte Carlo simulations: it shows the band between weaker and stronger years, not a guarantee.

Life events — a change of contributions, a one-off deposit or withdrawal, or a regular withdrawal in retirement — can be part of the plan itself, or of a scenario.

“What if” scenarios appear right in the Growth chart as coloured lines over your plan and do not change the main result:

• life scenarios: job loss, parental leave, an inheritance, buying a home, a pay rise, retirement,
• market events: historical crises replayed year by year with the actual returns of world shares and bonds and the inflation of your market, a crash with its own impact on each type of asset, years of weak markets or high inflation,
• AI scenarios: describe a situation in your own words and AI drafts a pessimistic, neutral and optimistic version as settings you can edit. AI does not forecast anything; Assetli calculates the amounts.

Each scenario can be hidden or shown with one tap and has its own range.

Insights and AI review

Insights are rules, not a sales pitch: savings losing to inflation, a fee that costs thousands over the years, a volatile part carrying too much of the plan, what waiting a year would cost, how much more a month would reach your goal, and state support tips. AI review reads the plan’s numbers, scenarios and insights and says what is strong, where the risk is and what to consider. It never recommends specific products.

Saving and devices

A saved plan saves itself after every change and opens on the web and in the mobile app. If the same plan is open on two devices, an older version never overwrites a newer one: the app loads the current version and asks you to repeat your last change. The Free plan keeps 3 saved plans; Premium and Max are unlimited. AI scenarios and AI review are paid from your AI credit by the tokens actually used.

How we keep the rules current

Every scheme has official sources and the date we verified it. We review the rules in step with each market’s tax year, and every month we automatically check whether the official pages have changed. Numbers never change by themselves: when a source changes, a person verifies the figures before the app uses them.

The plan is an educational model, not investment advice. Check specific conditions with the official source or your provider.