Creating and projecting investment goals
The Goals view brings together investment targets and their projections. On desktop, open Goals in the main navigation. On mobile, this view is under More.
1. Creating a goal
- Select New goal.
- Choose a Target value, Target allocation, or Target passive income.
- Define the scope: family, country, asset, support, or currency depending on the offered type.
- Enter the target and its currency.
- Define a monthly contribution or target date, then check the return and reinvestment assumptions.
My Wealth compares the scope's position with the target and shows the effort required. Required exchange rates must be entered for a multi-currency scope.
2. Organising and tracking goals
The summary shows the required monthly effort, number of active or paused goals, calculable horizon, and budget position: investment capacity, goals included in the budget, and planned contributions. Switch between card and list views according to the level of detail you need.
Reorder goals by dragging and dropping or with keyboard commands. On mobile, goals remain in card form for a display suited to the screen. Each card's menu lets you edit, pause, resume, or delete the goal.
3. Reading projected wealth
The projection combines the scope's current value, future contributions, and each goal's assumptions. Milestones mark the dates when a target is reached. The Without planned contributions comparison isolates the cumulative effect of contributions. Contributions are treated as new funds: they are not deducted from the budget or a bank account in the chart.
Choose Projected wealth to follow net value or Projected allocation to see the wealth allocation. The horizon can extend to the end of the last calculable goal, or be fixed at 5, 10, or 20 years. When no goal provides a calculable end date, the proposed horizon is five years.
4. Testing a projection scenario
Select Edit scenario to open temporary simulation assumptions. Changes immediately update the chart, milestones, and end-of-period values without modifying saved goals.
Each option acts on a specific part of the calculation:
| Setting | Effect on the projection |
|---|---|
| Target value, Target allocation, and Target passive income | Includes or excludes goals of the corresponding type. An excluded goal no longer supplies a contribution, milestone, or return assumption to the scenario. |
| Monthly goal contributions are funded with new money | Adds planned contributions to the relevant assets until the target or planned date is reached. Disabling the option projects the trajectory without these new funds. |
| Take valuation and returns configured in goals into account | Applies each goal's valuation, return, and reinvestment assumptions. Without this option, these returns do not increase projected values. |
| Non-reinvested income is retained in the wealth | Adds income produced by a goal's assets to projected wealth when the goal does not plan to reinvest it. |
| For liabilities, take principal repayments into account | Reduces projectable liabilities according to their schedule. Repayments are assumed to be funded by future income outside projected wealth; only repaid principal reduces the liability. |
| For income-producing assets, retain this income in the wealth | Adds known income from productive assets not covered by any goal. Their value remains stable while no goal supplies a valuation assumption. |
| Show the projection without planned goal contributions | Adds a dotted comparison curve. It does not alter the main scenario: the gap between the curves measures the cumulative effect of planned contributions. |
The summary above the chart recalls the active assumptions. Reset scenario restores all goal types, configured contributions and returns, disables optional assumptions for liabilities and other productive assets, shows the comparison without contributions again, and returns to the last goal's horizon.
If several goals carry identical assumptions for the same asset, they are applied only once. When their assumptions conflict, My Wealth does not choose arbitrarily: it neutralises them for the relevant asset and displays an alert identifying the goals to check.
5. Allocating future contributions
For an allocation goal, allocate 100% of future contributions among the offered categories. This allocation directs only future money: it does not sell any asset or automatically rebalance the existing portfolio.
6. Understanding overlaps
Two goals can cover the same asset, support, or scope. My Wealth flags these overlaps because adding their trajectories can count the same value or contribution twice. Review the alert and adjust the scope or assumptions if necessary.
A projection may remain unavailable if a target, date, return, 100% allocation, or exchange rate is missing. The goal details identify the information to complete.
7. Linking a goal to the budget
Add the monthly effort to the Budget and choose the account that funds it. The line is converted into the account's currency. The contribution remains linked to the goal and participates in the monthly reconciliation described in the budget guide.
Pausing a goal retains its configuration but suspends its tracking. Deleting it also removes linked Budget lines after confirmation.