a 60/40 portfolio, 2000 to June 2024

£200 in 2000 is £885 in today's money

That £200 was £479 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£849 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 £885, £479 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	£1,597	3.3×
A UK houseUK house, to December 2025	£717	1.5×
Cash at Bank Ratecash	£387	0.8×
An 80/20 portfolio80/20, to June 2024	£1,167	2.4×
Just keeping up with pricesinflation, to December 2025	£479	1.0×
A 60/40 portfolio	£885	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.