Lets start this very exciting journey today… Choose one of the following
  • Do you want to do an estimate of your 
    		•
    Estate
  • Do you want to do an estimate of your 
    		•
    Disability
  • Do you want to do an estimate of your 
    		•
    Retirement
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    Retirement Estimator
    Full Name   Please provide you contact information so that we can get back to you
    Disclaimer: disclaimer info
    Email 
    Phone 
    Expected Investment Growth rate In Your Experience
    Inflation Rate In Your Experience
    Your Age  
    Your expected Retirement Age Your Term in years to retirement
    Your Spouses Age  
    Your Spouses expected retirement age Your Spouses Term in years to retirement
    Property rental/ other income Increasing at the inflation rate for a term equal to your chosen life expectancy
    Your spouse salary if applicable Spouse Gross Salary
    What is your family's cash take home requirement Our full Assessment tool will remind you of hidden retirement costs
    Use an SA Tax Calculator for the correct Tax Figure Ignore tax at your family's peril
    For how long will your family require the income Vary according to youngest partners life expectancy from your retirement date
    Would you sell any asset and turn it into cash Sale of vehicles, property collectibles business interests to generate extra capital
    Liabilities Bond Vehicle, Credit Card Loans What would your liabilities have reduced to at your retirement age
    Capital Costs - Special Holiday - purchase of a vehicle  
     
    How much do you have accumulated in your
    investments Present Value    		 What is the present fund value of your investments
    What are your monthly contributions to Investments Monthly Premiums
    What if you escalated contributions annually to retirment age, at this percentage rate Future Value at your retirement age
     
    How much do you have accumulated in your retirement
    funds Present Value    		 What is the present fund value of your retirement annuities pension funds etc
    What are your monthly contributions to Retirement Monthly Premiums
    What if you escalated contributions annually to
    retirement age, at this percentage rate    		 Future Value at your retirement age
     
    How much does your spouse have in accumulated
    instruments Present Value    		 The present fund value should be used for this estimation
    What are your spouses monthly contributions to Investments Monthly Premiums
    What if you escalated contributions annually
    to retirement age, at this percentage rate    		 Future Value at your retirement age
     
    How much does your spouse have in accumulated
    retirement funding Present Value    		 The present fund fund value should be used for this estimation
    What are your spouses monthly contributions to Investments Monthly Premiums
    What if you escalated contributions annually to
    retirement age, at this percentage rate    		 Future Value at your retirement age
    Income Summary
     
    Present Value
    Estimated Future Value
    Monthly income available 
    0
    0
    Monthly income required 
    0
    0
    Monthly shortfall/ Excess 
    0
    0
    Capital Summary
    Capital available at Retirement date 
    0
    Capital Liabilities and expenses at Retirement date 
    0
    Shortfall/ Excess at Retirement date 
    0
    Assessment
    Funds available will provide an income for 
     
    Estimated Capital Required at Retirement Date 
     
     
    Assumptions
    • Assumption #1: If Your spouse works longer than your retirement date her salary will increase by inflation
    • Assumption #2: You have estimated your families retirement income needs fairly accurately
    • Assumption #3: You have calculated the tax requirement accurately
    • Assumption #4: You realise that this is an estimation - You have to base the term on your own life expectancy assumptions
    • Assumption #5: The possible sale of assets is based on Future Value of assest at inflation only
    • Assumption #6: Manually calculate any possible liability at retirement age
    • Assumption #7: Investment includes bank endowment ETF Unit Trust etc
    • Assumption #8: Retirement Funds include Pension Provident Retirement Annuity etc
    • Assumption #9: Future Value of capital available is based on the generic growth rate/ term to retirement and annual automatic premium increases
    • Assumption #10: Future Values of investments and Retirement funds assume retirement date and ignore actual maturity dates
    • Assumption #11: Property rental income will be available for the full term of your life expectancy
    Cash Flow