What's the difference between target return and target income?

Target return aims to grow a sum to a future number (growth-tilted); target income aims to generate a steady stream to live on (income-tilted, e.g. dividends and sukuk).

Can I plan for passive income with Oswol?

Yes. The wealth planner's income mode lets you set a target income and models the yield and allocation needed across screened archetypes — as a simulation, not advice.

Are Oswol's projections financial advice?

No. They are illustrative, education-only simulations. Markets vary and past performance doesn't predict future results — verify and decide for yourself.

Goal-based investing: target return vs target income

Start from the goal, not the ticker. Here's the difference between investing for a target return and for target income — and how to model either over time.

Most people start with a ticker and hope. Disciplined investors start with a goal and work backwards. Two goals dominate, and they build very different portfolios.

Target return: growing a number

Here the aim is to turn a sum into a bigger sum by a date — a deposit, a retirement figure, a fund. It favours growth assets and leans on time and compounding. The key inputs are your horizon, contributions, and how much volatility you can stomach.

Target income: funding a life

Here the aim is a steady stream — covering expenses without selling the principal. It favours income assets: dividend equities, distributions, and Sharia-compliant sukuk for stability. The key input is yield, and whether it's sustainable.

Modelling it over time

Oswol's wealth planner lets you set either a target return or a target income and projects the path across Sharia-screened archetypes — so you can see, before committing a riyal, roughly what each goal demands.

Projections are illustrative, not promises. Markets vary; past performance doesn't predict the future. This is education, not advice.