a 60/40 portfolio, 2000 to June 2024

£10,000 in 2000 is £44,269 in today's money

That £10,000 was £23,965 in today's money. So you multiplied what you actually had by 1.8×, not 4.2×.

6.1% a year2.5% a year after inflation£42,448 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 £44,269, £23,965 is money you put in and the rest is growth

The card that appears when you share this link

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	£79,826	3.3×
A UK houseUK house, to December 2025	£35,845	1.5×
Cash at Bank Ratecash	£19,330	0.8×
An 80/20 portfolio80/20, to June 2024	£58,371	2.4×
Just keeping up with pricesinflation, to December 2025	£23,965	1.0×
A 60/40 portfolio	£44,269	1.8×

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.