Golden Tail Retirement
A cash-savings storyline for longer afternoons and fewer committee meetings. Despite the name, this is not a pension, investment portfolio or retirement-income promise. There is no tax relief or annuity in the model.
Canopy Investment Account
A fictional general investment account holding one made-up woodland fund. Money can go in as a lump sum or a monthly amount and come out at any time, but the value moves with the fund rather than with a rate card.
Evergreen Stocks & Shares ISA
The investment account inside a fictional ISA wrapper. Contributions are capped by a demo annual allowance of £20,000, and the model applies no tax to growth or withdrawals.
Tall Oak SIPP
A made-up personal pension. Every £80 paid in is topped up to £100 by demo basic-rate tax relief, the pot is locked until age 57, and the projection runs from age 40 to a story retirement at 67.
Compare investments with your amount
- Golden Tail Retirement3.90% AER · VARIABLE£390.00first-year interest at 3.90%
- Canopy Investment Accountearns most0.45% CHARGE · GROWTH NOT GUARANTEED£15,604.16after 10 years at 5% mid growth, 0.45% charge
- Evergreen Stocks & Shares ISA£20,000 ISA ALLOWANCE · 0.45% CHARGE£15,604.16after 10 years at 5% mid growth, 0.45% charge
- Tall Oak SIPP20% TAX RELIEF · 0.50% CHARGE£15,529.69after 10 years at 5% mid growth, 0.50% charge
Same fictional model as every table on the site. Limits and allowances are noted; nothing here is advice or an offer.
Compare side by side
| Feature | Golden Tail Retirement3.90% AER · VARIABLE | Canopy Investment Account0.45% CHARGE · GROWTH NOT GUARANTEED | Evergreen Stocks & Shares ISA£20,000 ISA ALLOWANCE · 0.45% CHARGE | Tall Oak SIPP20% TAX RELIEF · 0.50% CHARGE |
|---|---|---|---|---|
| Type | Later-life cash savings | General investment account | Stocks and shares ISA | Self-invested personal pension |
| Rate, reward or charge | 3.90% AER / gross p.a. (variable) | 0.45% total annual charge; growth not guaranteed, illustrated at 2%, 5%, 8% | 0.45% total annual charge; growth not guaranteed, illustrated at 2%, 5%, 8% | 0.50% total annual charge; 20% demo tax relief on contributions; growth not guaranteed |
| Value can fall | No | Yes | Yes | Yes |
| Tax-free wrapper | No | No | Yes | No |
| Tax relief on contributions | No | No | No | Yes |
| Annual charge | None | 0.45% | 0.45% | 0.50% |
| Minimum | £500.00 | £100.00 | £100.00 | £25.00 |
Investments at a glance
- Low growth 2%
- Mid growth 5%
- High growth 8%
A cash product has no growth scenarios, so its bar is the same in all three.
View as a table
| Category | Low growth 2% | Mid growth 5% | High growth 8% |
|---|---|---|---|
| Canopy Investment Account | £11,663 | £15,604 | £20,706 |
| Evergreen Stocks & Shares ISA | £11,663 | £15,604 | £20,706 |
| Tall Oak SIPP | £11,605 | £15,530 | £20,610 |
| Golden Tail Retirement | £14,661 | £14,661 | £14,661 |
Investments questions
Shared with every product page in this range and the full FAQ list.
Can an investment fall in value?
Yes. The three fictional investment products hold a made-up fund whose value moves every day, so the pages show low, mid and high growth scenarios after charges rather than a promise. The value can end below the amount paid in.
What is the difference between the investment account, the ISA and the SIPP?
They hold the same fictional fund; the wrapper differs. The general account has no allowance and no relief. The stocks and shares ISA caps new money at a demo £20,000 a year and applies no tax to growth. The SIPP adds demo tax relief but locks the pot until age 57.
What do the investment products charge?
A total annual charge of 0.45% on the account and the ISA and 0.50% on the SIPP, modelled as a deduction from growth. Each product page shows what a 1.00% charge would cost instead.
How does the SIPP tax relief work?
Every £80 paid in becomes £100 with demo basic-rate relief. Higher-rate relief, employer contributions and allowance tapers are not modelled.
Is Golden Tail Retirement an investment?
No. It is a cash savings pot with a variable rate that sits in the investments range because of its purpose. It has no growth scenarios and its value cannot fall.
Longer-horizon money for the years of fewer committee meetings. This range holds a cash retirement saver plus three fictional investment products that hold one made-up woodland fund: a general investment account, a stocks and shares ISA and a self-invested personal pension. Their pages show projected values at low, mid and high growth after charges, never a promised return.
How to choose
Golden Tail Retirement pays a variable cash rate and stays accessible. Canopy Investment Account, Evergreen Stocks & Shares ISA and Tall Oak SIPP all hold the same fictional fund, so the difference is the wrapper: the ISA caps contributions at a demo £20,000 a year and applies no tax to growth, the SIPP adds demo tax relief but locks the pot until age 57, and the general account has neither the relief nor the restrictions. Investments can fall in value; nothing on these pages is advice, and the fund, the growth rates and the tax rules are all invented.
Other ranges: Current accounts, Savings, Mortgages, Loans, Credit cards, Insurance. Every figure on this page comes from the live product record, so a changed rate is reflected immediately; the rates page compares the whole range.
AcornBank: entirely fictional banking, exceptionally committed squirrels.