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Viktor wanted the spend-down card to compare three portfolio-growth scenarios rather than the previous floor-vs-4%-real pair. The table now has three rows, each a die-with-zero annuity (drain net worth to £0 by age 100) spending a constant number of ACTUAL (nominal) pounds, differing only by the assumed nominal growth rate: • No growth (0%) → £43/day, £1,315/mo, £15,776/yr (= NW ÷ years) • Inflation (3%) → £106/day, £3,233/mo, £38,792/yr (NEW) • Avg market (7%) → £220/day, £6,703/mo, £80,435/yr This keeps the £43 no-growth floor he anchored on. The old third row was "4% real" (£133) expressed in today's money; it's replaced by the 7%-nominal market row (£220, actual pounds) so all three rows share one basis (nominal pounds) and are directly comparable. 3%/7% are hardcoded (one-line SQL edit). Table height 4→5 for the extra row; panels below shifted down 1. Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com> |
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