Define investment goals and track your progress
Investing is not only about accumulating assets. It is also useful to know where you want your wealth to go.
My Wealth lets you define investment goals, compare them with your current position and plan the effort required to reach them. A general intention can therefore become a concrete, measurable goal.
Give your wealth a direction
With My Wealth, you can define goals for:
- a target value;
- a target allocation;
- increasing selected asset categories;
- reducing selected asset categories;
- a target level of passive income.
A goal can be limited to the scope that matters to you: selected asset families, custodians, countries, currencies or investments. This avoids comparing a specialized target with unrelated items.
Compare your current position with your goal
My Wealth compares your existing wealth with the target so you can understand:
- where you are today;
- what you want to achieve;
- the remaining gap;
- the effort required;
- the goal's feasibility;
- an estimated date based on the chosen assumptions.
Each goal retains its own assumptions so calculations and previews remain consistent over time.
Set a target wealth value
You can define a target value and track your wealth's progress towards it. This turns an abstract intention, such as gradually building wealth, into a measurable target.
My Wealth compares the current value with the target to make progress easier to read.
Work on your asset allocation
Total wealth is not the only factor that matters. You can also define goals linked to your wealth allocation, for example to gradually increase or reduce the share of selected asset categories.
The aim is not only to know how much you own, but also how your wealth is allocated. This complements My Wealth's diversification, concentration and allocation analyses.
The diversification score remains an analytical indicator: it highlights concentration by asset, custodian, holding structure, country or currency, but does not automatically define the right allocation for you. You decide whether to turn an observation into a goal.
Define a passive-income goal
A goal can also concern income generated by your wealth.
My Wealth lets you define a target passive-income level and follow your current position against it. Explore this further with passive-income tracking.
This can be useful when your strategy aims to build income from rent, dividends or interest over time.
Plan the required effort
Reaching a goal rarely depends only on your current position. My Wealth lets you plan the effort associated with an investment goal and compare the target, present situation and intended effort.
You can choose a fixed monthly contribution or start with a target date to estimate the investment required. Depending on the goal, calculations can also include an annual valuation assumption, income reinvestment or the exclusion of liabilities.
These are projection assumptions. They help explore a path but do not guarantee a return or that the goal will be reached.
A concrete example
Imagine net wealth of €350,000 and a target of €500,000. You can enter the target, a monthly investment of €600 and an annual assumption to estimate a path.
A second goal may concern allocation only, gradually moving shares and funds from 18% to 25% of the chosen scope. A third may target €1,000 of monthly passive income.
Each goal retains its own target, scope and assumptions, so value growth, rebalancing and income goals are not mixed together.
Integrate goals with the rest of your wealth
Goals rely on the same wealth data as My Wealth's other features:
- assets and liabilities;
- gross and net value;
- allocation;
- passive income;
- history;
- risk and diversification;
- budget.
You can analyze your current position, define a direction and track its evolution in one application.
Calculations consistent with your assumptions
My Wealth stores the settings of each goal and applies them consistently to calculations and previews. Displayed values remain limited to the precision actually supported by the available data.
Targets, scopes and projection settings are saved with the wealth file. You can revisit the reasoning behind a goal, pause it or change it without separating it from the data used in the calculation.
The file remains managed according to My Wealth's local-first approach.
Move from a snapshot to a path
Wealth software can easily stop at: “What is my wealth worth today?”
Investment goals go further:
“Where do I want to go?”
“How much remains?”
“Does my allocation match my intentions?”
“What effort should I plan?”
“When might I reach my goal?”
My Wealth turns wealth tracking into a tool for managing progress over time. For the complete view, discover My Wealth personal wealth management software.
Try My Wealth for free
Discover My Wealth directly in your browser with the online demo, with no installation required.
Explore the wealth position, analyses and investment goals using a demonstration portfolio.