The Projections page includes two additional planning tools.
What if…?
Adjust:
- Extra monthly savings
- Return rate change, in percentage points
Extra saving is added directly to the goal basis’s trailing monthly pace. The return-rate adjustment applies only to investable classes—Investments, Equity, Crypto, Pension, and Private credit—not to cash or tangible assets.
Hugo compares the adjusted estimated goal date with the base date and reports how much sooner or later it becomes. At least three months of history are required. A non-positive adjusted pace can make the goal unreachable under those settings.
Changes in the panel are scenarios and do not alter your real records.
Allocation Drift
Allocation Drift projects each asset class at its own trailing-12-month pace for 24 months, then recalculates class percentages. A class without enough history keeps its current value in the projection.
It shows where inertia could take your allocation if you do not rebalance. It is not a rebalancing recommendation.