The map nobody has built for you.

Your bank relationship manager will not do this. Nor will whoever sold you the policy. And unless you work in this industry, you were never going to sit down and do it yourself.

So most people carry a rough idea of where they stand, and have never once seen it on a single page.

Nine steps. Most take under a minute. If your broad numbers are to hand, the whole thing is fifteen to twenty minutes.

You will never be asked for an exact figure. Pick the band that is closest and move on.

Compounding has one input you cannot buy back later, and it is time. An allocation set at 44 and an allocation set at 49 are not the same allocation, however good the second one is.