The future is uncertain, so it is impossible to perfectly predict the returns you will get. That said, the way assets have performed over the past 30 years provides some guide as to what you might expect. The Oxford Risk model uses historic data to simulate thousands of possible futures, then looks at projected values after 10 years.
To get the average outcome, we look at the median return (i.e. the 50th percentile) after 10 years, which is plotted as a solid line. The dashed line reflects how the initial investment would grow if it was left in cash (i.e. it grows at the risk-free rate). The risk of the portfolio is defined as the spread of outcomes (i.e. the standard deviation).
The projections charts show a light-shaded area that reflects the 5th percentile (i.e. a very poor outcome) and 95th percentile (i.e. a very good outcome) of returns after 10 years. The darker shaded areas show the 25th and 75th percentiles.
The possible drawdown figure reflects the amount the portfolio’s value may fall from peak to trough over a 1-year time horizon: we look at all possible drops and report the value of 5th percentile. The chance of having less represents the percentage of future paths whose ending value is less than the initial amount invested.
The monetary figures are expressed in today’s money, so the nominal value of your portfolio may be higher because of inflation. The projections do not include fees and charges.