Christian Finance Academy Path to £1 Million
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Wealth Building
"Commit to the Lord whatever you do, and he will establish your plans." Proverbs 16:3
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About you

Your age now35
Already saved — existing investments£25,000
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Monthly saving

Your pension — your monthly contribution£300
Your employer also adds £150 / month. Your pension receives £525 in total after basic-rate tax relief.
Employer match£150
ISA contribution£200
Tax-free growth and withdrawals. Annual limit £20,000.
Cash savings£100
Easy-access savings account or cash ISA.
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Returns & charges

Pension / SIPP return6.0%
Nominal (before inflation). A global equity fund typically 7–9%; a balanced fund 5–7%.
ISA / investment return6.0%
Cash savings rate4.0%
Annual charges / fees0.75%
Platform + fund costs. Applied to pension and ISA. Even 1% is a significant drag over decades.
Time to reach £1,000,000
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Monthly into pots
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Your contributions
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Growth earns
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Investment growth over time
Pension / SIPP
ISA
Cash savings
Milestones — when you get there
In years At age Contributions paid in

All figures are nominal (not adjusted for inflation). Returns shown are before inflation — subtract ~2.5% for a real-terms view. Pension relief assumed at basic rate (20%); higher-rate taxpayers may reclaim additional relief through self-assessment. Cash interest taxed (personal savings allowance not modelled). This is an illustration, not financial advice.