Portfolio Growth Simulator
Project a mixed stock-and-bond portfolio using your own allocation, expected returns and inflation. See both the nominal balance and its value in today's dollars.
60% stocks / 40% bonds/cash.
Default 7% is an illustrative long-run global equity assumption — not guaranteed.
Default 2.11% = current Singapore Savings Bond 10-year average return.
Used to show your portfolio in today's dollars. MAS long-run anchor is ~2%.
Projected value (nominal)
$549,954
After 20 years at a 5.04% blended return
In today's dollars (real)
$370,103
After 2.0% inflation
Total contributions
$290,000
Total gains
$259,954
Estimates only. Returns are assumed constant and compounded monthly; actual portfolio returns vary year to year and can be negative. Real value deflates the nominal figure by your inflation assumption.
| Year | Contributions | Nominal value | Real value (today's $) |
|---|---|---|---|
| 0 | $50,000 | $50,000 | $50,000 |
| 1 | $62,000 | $64,862 | $63,591 |
| 2 | $74,000 | $80,492 | $77,367 |
| 3 | $86,000 | $96,929 | $91,338 |
| 4 | $98,000 | $114,214 | $105,516 |
| 5 | $110,000 | $132,391 | $119,911 |
| 6 | $122,000 | $151,507 | $134,534 |
| 7 | $134,000 | $171,609 | $149,396 |
| 8 | $146,000 | $192,750 | $164,510 |
| 9 | $158,000 | $214,981 | $179,887 |
| 10 | $170,000 | $238,360 | $195,539 |
| 11 | $182,000 | $262,947 | $211,478 |
| 12 | $194,000 | $288,802 | $227,718 |
| 13 | $206,000 | $315,992 | $244,272 |
| 14 | $218,000 | $344,586 | $261,153 |
| 15 | $230,000 | $374,655 | $278,374 |
| 16 | $242,000 | $406,277 | $295,951 |
| 17 | $254,000 | $439,532 | $313,897 |
| 18 | $266,000 | $474,503 | $332,228 |
| 19 | $278,000 | $511,279 | $350,958 |
| 20 | $290,000 | $549,954 | $370,103 |
How the portfolio growth simulator works
Your equity and bond expected returns are combined into a single blended return weighted by your allocation. The simulator then grows your initial investment plus your monthly contribution at that blended rate, compounding monthly over your chosen horizon — the same future-value-of-an-annuity maths used for a single-rate compound interest projection.
Because a dollar in twenty years buys less than a dollar today, the result is also shown in real (inflation-adjusted) terms. The real value deflates each year-end balance by your inflation assumption, so the gap between the two lines on the chart is the silent cost of inflation on your savings.
Choosing your allocation
A higher equity share lifts the expected return but increases how much the portfolio can swing in any given year. Many investors glide from equity-heavy when young toward more bonds as they near a goal. Use the defaults — roughly 7% for equities and the current Singapore Savings Bond 10-year average for bonds — as a starting point, then adjust to your own risk tolerance. For a single-rate view, see the compound interest calculator; to plan a retirement number, try the FIRE calculator.
Frequently asked questions
How does asset allocation affect my projected return?
The simulator blends your two expected returns by weight: blended return = equity % × equity return + bond % × bond return. A 60/40 mix of 7% equities and 2.11% bonds gives a blended ~5% a year. Tilting toward equities raises the expected return but also the real-world volatility you would experience.
What is the difference between the nominal and real values?
The nominal value is the raw projected balance. The real value restates it in today’s dollars by dividing by (1 + inflation)^years, so you can see roughly what that future sum would buy now. With ~2% inflation over 20 years, a dollar buys about a third less, which is why the real line sits well below the nominal one.
What returns and inflation should I assume?
The defaults are an illustrative ~7% long-run global equity return (an assumption, not a Singapore-government figure), the current Singapore Savings Bond 10-year average return of about 2.11% for the bond/cash sleeve, and the MAS long-run inflation anchor of about 2%. All are editable — set them to your own expectations, and remember none are guaranteed.
Does the simulator account for fees, taxes or rebalancing?
No. It compounds a single constant blended return monthly and does not model fund fees, dividend withholding tax, or the cost of rebalancing back to your target allocation. Real portfolios drift and have volatile, sometimes negative, years — treat the output as a smooth planning estimate, not a forecast.