a 60/40 portfolio, 1975 to June 2024

£10,000 in 1975 is £1,526,284 in today's money

That £10,000 was £130,206 in today's money. So you multiplied what you actually had by 11.7×, not 146×.

10.6% a year5.1% a year after inflation£1,463,490 in June 2024 money

A backtest, not a fund: 60% S&P 500, 40% cash at Bank Rate. Cash stands in for bonds, which understates the bond years.

60/40 data ends June 2024, so that is where this stops — not today.

Charges of 0.22% a year are taken off. Tax is not.

Of £1,526,284, £130,206 is money you put in and the rest is growth

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The same money elsewhere

Same amount, same years, same contributions. Figures are in today's money, after any charges, before tax.

Instead	In today's money	Real multiple
The S&P 500S&P 500, to June 2024	£5,462,896	42.0×
A UK houseUK house, to December 2025	£259,729	2.0×
Cash at Bank Ratecash	£231,269	1.8×
An 80/20 portfolio80/20, to June 2024	£2,789,555	21.4×
Just keeping up with pricesinflation, to December 2025	£130,206	1.0×
A 60/40 portfolio	£1,526,284	11.7×

What this leaves out

Tax, dealing costs and the spread. Anyone actually saving would have changed their mind at least once. Past returns are a record of what happened, not a forecast — the future is genuinely unknown, and none of this is advice.