My portfolio

Pessimistic. A decade of weak markets — like 2000–2010, the so-called 'lost decade'. Growth is modest, sometimes flat. This is what your portfolio could be worth if things go badly for a long time.

Realistic. Roughly what global markets have historically delivered over long periods — periods of growth balanced by occasional drops. This is the most likely range, not a guarantee.

Optimistic. A decade of strong growth — like the 2010s or the 1990s. Markets keep climbing with only short interruptions. Possible, but don't plan on it as the default.

Reading the risk badges. High risk doesn't just mean 'might grow more'. It means the value can swing sharply — equity ETFs can drop 30–40% in a bad year, crypto can lose 80%+ and not recover for years. The realistic scenario above accounts for this on average; the pessimistic shows what a long bad stretch looks like. If you pick aggressive allocations, the optimistic number is real — but so is the pessimistic. Make sure you could live through the latter.

In reality, your result will most likely be somewhere between these three. The point isn't to predict — it's to see the range of what's plausible, so you're not surprised by either side.