In brief
Add everything that feeds into your retirement picture — pensions, ISAs, investments, cash, property, and income sources — using current values, not original contributions.
Before you start
Assets are grouped into four categories: Investments (DC Pension, Stocks & Shares ISA, Cash ISA, Lifetime ISA, GIA, Cash, Premium Bonds), Property (Primary Residence, Buy-to-Let), Secure Income (DB Pension, State Pension, Annuity), and Other Income (Employment, Miscellaneous). Have your most recent statements to hand for current values, growth rates, and annual charges.
Steps
- Navigate to Assets from the sidebar.
- Select Add Asset in the top right.
- Choose the asset type from the selector — types are grouped by category and you can search by name.
- Fill in the form fields for that asset type. Key fields explained below.
- Select Save.
Growth rate — the assumed annual return on this asset, before fees. Enter a figure reflecting your own assumptions; pension and platform statements show recent performance, but past performance does not determine future returns.
Annual fee — the total annual charge deducted from the asset value, expressed as a percentage. Include platform fees, fund management charges, and any adviser fees. Small differences in fees compound significantly over a multi-decade retirement.
Crystallisation percentage (SIPP only) — the proportion of your SIPP already in drawdown. Enter 0% if you have not yet started taking income; 100% if the entire pension is in drawdown.
Equities percentage (SIPP and ISA) — your approximate allocation to equities versus bonds and cash. A higher equities allocation typically means wider variation in projected outcomes.
Cost basis (GIA only) — the original amount you paid for holdings in the GIA. This is used to calculate potential Capital Gains Tax on simulated withdrawals. Check your investment platform for the book cost of your holdings.
Asset ownership (couples mode) — each asset is assigned to Partner 1, Partner 2, or Joint. Ownership determines whose tax calculations the asset feeds into.
What to check afterwards
After saving, the asset appears in the asset register. Confirm the asset type, value, and owner are correct. If you are modelling as a couple, use the owner filter cards at the top of the Assets page to verify each asset is assigned to the right person. You can select any asset to edit it at any time — changes take effect in any scenario you run next.