PortfolioLogica

Efficient Frontier

Efficient frontier and current allocation

Expected annual return and risk across the portfolio range.

Show asset-class reference points

Illustrative Outcome Range

Wealth projection

Choose a portfolio, set the goal and horizon, review the outcome, then optionally add cash flows, stress, alpha or suggested allocation.

20-year illustrative range using compound portfolio return and risk assumptions. No stress scenario is applied.

Nominal dollars · Not adjusted for inflation.

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Starting valueHorizonWealth goalMinimum wealth

Cash flows

Median at year 20

$4,117,821

Nominal dollars

Downside (10th percentile)

$2,414,386

Nominal dollars

Upside (90th percentile)

$7,058,736

Nominal dollars

Shortfall probability (%)

Probability of finishing below the minimum wealth threshold.

Goal probability (%)

—

Set a goal to estimate probability.

Target probability (%)

Add target

Probability of achieving or exceeding the target annualised return over the projection horizon.

10th–90th percentileMedianNominal dollars

Light grey lines show a small handful of illustrative simulated examples from the same model as the percentile range. The shaded band shows the 10th to 90th percentile range of the full simulated distribution, so a few individual paths may sit outside it because they are specific examples rather than percentile boundaries. Results are illustrative and not forecasts.

Portfolio range

Select a Macquarie portfolio from the frontier or the cards below. The sequence moves from stronger capital stability toward greater long-term growth exposure.

Conservative

A defensive portfolio mix with a stronger focus on capital stability and income resilience.

3 years

Expected return, p.a.

6.0%

Expected risk

4.1%

CPI+

3.5%

1Y return range (68%)

1.9% to 10.1%

Prob. of loss (1Y)

Moderate

A balanced defensive-to-growth mix for clients seeking measured long-term progress.

5 years

Expected return, p.a.

7.1%

Expected risk

7.0%

CPI+

4.6%

1Y return range (68%)

0.1% to 14.1%

Prob. of loss (1Y)

16%

Balanced

Strategic allocation for clients who need both growth potential and diversification support.

6 years

Expected return, p.a.

7.8%

Expected risk

9.3%

CPI+

5.3%

1Y return range (68%)

-1.5% to 17.1%

Prob. of loss (1Y)

20%

Growth

A higher-growth portfolio mix for clients with stronger return objectives and longer time horizons.

7 years

Expected return, p.a.

8.4%

Expected risk

11.4%

CPI+

5.9%

1Y return range (68%)

-3.0% to 19.8%

Prob. of loss (1Y)

23%

High Growth

A growth-led portfolio mix intended for clients with long horizons and greater tolerance for variability.

8 years

Expected return, p.a.

8.6%

Expected risk

12.7%

CPI+

6.1%

1Y return range (68%)

-4.1% to 21.3%

Prob. of loss (1Y)

25%