We're Octopus Money...not a futuristic e-commerce retailer.

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OK, look…just to make sure we’re all on the same page…we’re not actually selling these products! And this isn’t an advertisement for any specific investment product. This catalogue is simply a fun way to show the potential of long-term financial planning.

 

All numbers are illustrative. No one can promise what things will cost in the future or guarantee how much your savings will grow. (Past performance is not a guide to future performance. If only it were, investing would be very easy! While we analyze past performance and learn from it, we never rely on it.)

 

The "discounted price" we show is the annual amount you’d need to invest over 20 years to reach the full, “non-discounted price” in 2044 (based on certain assumptions below).

 

When you add up all your contributions over those 20 years, it will always be less than the "non-discounted" price. That’s because the projected growth of your investments bridges the gap – giving you the final value for “28% off.” All values are shown in “today’s money,” meaning they’ve been adjusted to account for future inflation.

 

Here are the assumptions we’ve used:

• Investment growth of 6% per year 

• Investment fees of 1% per year

• 2% annual inflation

• You make one contribution a year for 20 years, starting in 2024

 

Finally, please remember: when you invest, your money is at risk. It can grow, but it can also go down, and there’s no guarantee you’ll get back more than you put in. 

 

Investing is not a short-term option. People should only invest with the long-term in mind. The longer you leave your money invested, the more likely you are to see a profit when investing in a portfolio filled with a diverse mix of well-known companies from around the world.