FAQ: Does the Platform Assume Investment Contributions are at the Start or End of the Year?

The platform is pessimistic. It assumes you're making withdrawals at the beginning of the year, and it assumes you're making contributions at the end of the year.

When you're doing withdrawals and retirement, it assumes all that money comes at the at the beginning of the year. If you're making contributions, it assumes end of the year contributions. This means it won't calculate growth on those contributions, but at the same time probably means you're slightly ahead of what the platform is predicting.