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Fair point, but if the original statement is true it must have a basis in relatively fixed numbers? I guess if we're talking S&S it could use average performance over time or something but I was thinking more about the pension or cash ISA where the returns are more likely to be fixed. What would be neat is plugging in some values, aiming it at a particular bank or product and have it grab the current rates to compare.
Or yeah, where can I get a crystal ball.
What I want is a little calculator or something that an idiot (or worse, me) could understand that tells me when I should be paying extra into pension or ISA vs. when I should be overpaying my mortgage...