Multi-decade & legacy horizons as of · 137

When the goal outlives one career, governance, fees and purpose matter as much as the rate. Multi-decade and legacy horizons treat compounding as an institution: spending rules, fee budgets and successor clarity keep the machine intact. Multi-decade & legacy horizons sits in the horizons family of this atlas: mechanisms first, products second, hype never.

Use the calculator for scenarios, then return to the section pages when you want the vocabulary behind the curve. What is multi-decade & legacy horizons in one sentence? No. Tool-Lifes pages are educational atlases. Decisions need your goals, constraints and, when appropriate, a licensed adviser.

Do I need a high return for compounding to matter? Higher net rates help, but time and contributions often dominate — especially early. Costs and behaviour can erase a “good” rate. Treat outputs as scenario sketches. Vary contribution, rate, fees and inflation to see which lever moves your goal date.