Base scenario
The steady builder
A balanced financial life built on predictable income growth, consistent saving, and long-term market participation. Progress comes from patience, stability, and compounding over time.
What this scenario represents
Individuals with a stable career path, predictable income growth, and balanced long-term financial planning.
Core assumptions
- Career starts around age 30 and progresses steadily until retirement
- Income growth broadly follows long-term economic trends
- Saving is consistent while maintaining a balanced lifestyle
- Investments are diversified with moderate market risk exposure
Results are most sensitive to
- Long-term investment returns
- Consistency of saving behavior
- Inflation over the full working lifetime
Available comparisons
Each comparison varies one assumption at a time to show its long-term impact.