FireLotse

Calculate return from building-block mix

Simulation

Your expected return comes from the mix of your three building blocks: 🛡️ Safety, 📈 Return and 🚀 High-risk. Each block has its own planned return; the mix is the weighted average.

This mix does not stay the same. Every year your savings flow into the blocks according to the split in your cash flow, and life events add or withdraw money. With this option the simulation uses the resulting mix for each year – for both return and fluctuation (volatility). Reallocations move money between the blocks on purpose. From Coast, Barista or FIRE onwards you no longer save, so the mix stays put – only one-off payments and reallocations still shift it.

Without the option, the value from the "Expected return" slider applies unchanged to every year. It is pre-filled with today's mix.

Example – saving into Safety:Suppose you hold €100,000 in the Return block with a planned return of 6% – so your mix is 6%. Every year you save €10,000 into the Safety block at 1.5%. After five years you have €100,000 at 6% and €50,000 at 1.5% – the mix is then 4.5%. Conversely: if you save mainly into a higher-return block, the mix rises.
Shifts from one-off payments:A car purchase paid from the Safety block removes low-yield money – the mix rises slightly. An inheritance you put into Safety lowers it.
Reallocation before FIRE:With €100,000 in the Return block at 6% and €50,000 in Safety at 1.5%, the mix is 4.5%. If you reallocate 20% of the Return block into Safety, you hold €80,000 at 6% and €70,000 at 1.5% – the mix drops to 3.9%, your wealth stays at €150,000.
Try it in the FireLotse calculator

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