Would you rather…
Pick the one you’d go for and I’ll show you the maths behind it.
or
Warning — this is just a fun illustration
This game assumes a constant average annual return every year for the whole period, which real markets never actually provide. It ignores sequence of returns risk, tax and fees. It’s here to make a point about compounding, not to give financial advice.
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You picked £0.
The tipping point
The average annual return where both choices are worth exactly the same.
0.0%
Cash & bonds
Stock market average
Aggressive growth
What either choice is worth after 30 years
£0
What that means for your pick
Try your own assumption
Adjust the average annual return below to see which option wins at that rate.
%
Choice
Future value
Result
Monthly income
£0
Lump sum
£0
Monthly income
Lump sum