a 60/40 portfolio, 1990 to June 2024

£10,000 in 1990 is £166,508 in today's money

That £10,000 was £33,286 in today's money. So you multiplied what you actually had by 5.0×, not 16.0×.

8.4% a year4.8% a year after inflation£159,657 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 £166,508, £33,286 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	£429,115	12.9×
A UK houseUK house, to December 2025	£45,848	1.4×
Cash at Bank Ratecash	£42,229	1.3×
An 80/20 portfolio80/20, to June 2024	£260,679	7.8×
Just keeping up with pricesinflation, to December 2025	£33,286	1.0×
A 60/40 portfolio	£166,508	5.0×

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.