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Use the Financial Planning and Risk Lab
Updated 31 October 2026 · 3 min read · 14 Contents
Plain-language meaning
The Financial Planning and Risk Lab projects how an amount, invested as a lump sum or monthly, could grow over a chosen horizon across asset categories, mixes and markets, using deterministic compounding at stated historical category growth rates.
Why it is useful #
It lets a user compare categories, ready mixes and markets side by side on the same inputs and see the effect of inflation and currency, without a sales pitch or a single 'best' answer.
Where it appears and the workflow #
Open Financial Planning (/FinancialPlanning or /{exchange}/financial-planning). Enter the amount, choose lump sum or monthly, the horizon, liquidity need, goal, risk preference (Conservative, Moderate, Growth or Aggressive), inflation, display currency and FX mode. Compare results across the Individual, Mixes, Markets and Leveraged tabs, and use Calculators, Workspace and Scenarios for further what-ifs. Saving a plan requires the funding-planner entitlement.
Calculation or source #
Projections compound the inputs at each category's persisted historical CAGR. Inflation adjustment and currency conversion are applied as the inputs state. The calculation is deterministic: the same inputs always give the same result, and no random simulation is run.
Prerequisites, inputs, period and unit #
Prerequisites are a valid amount and horizon. Amounts are in the chosen display currency, growth rates and inflation are annual percentages, and the horizon is in years.
Worked example #
Illustrative only: ₹10,000 a month for 15 years at a category CAGR of 10% grows to roughly ₹40 lakh before inflation, depending on how the annual rate is applied monthly; at 6% inflation its value in today's money is much lower. Both figures assume the historical rate holds every year.
What high and low mean #
A higher projected value comes from a higher assumed growth rate or a longer horizon; it is not a prediction for that category.
Positive, negative and zero #
Projected values are positive for positive contributions; a negative real return is possible when inflation exceeds the assumed growth. Zero contribution gives zero growth.
Limitations and common mistakes #
Historical CAGRs do not repeat smoothly, and real returns arrive in an order that this deterministic projection ignores. Taxes, fees and behaviour are not modelled unless the calculators include them.
Market-specific differences #
Markets and currencies use their own category histories; FX mode controls whether foreign-market results are converted at a stated rate.
Suggested next steps #
Enter one monthly amount and horizon, compare two mixes on the Mixes tab, then raise inflation by two points and explain how the real value changes.
Educational use only #
This guide explains descriptive research evidence. It is not investment advice, a price prediction, a recommendation, a claim of predictive accuracy, or an instruction to buy, sell, rebalance or place an order.