The PSG Investment and Retirement Tool is for information purposes only and does not constitute advice.

Using standard financial calculations, it provides an estimated savings target in order to understand the savings requirements that must be met to achieve the estimated target. The tool is based on multiple assumptions:

• Inflation: 5% p.a.
• Salary inflation for retirement investing: 6% p.a. (inflation plus 1% allowing for career growth)
• Your monthly pension income in retirement increases at 6% p.a.
• Returns:
• Short-term returns: 1 - 2 years, 6% return p.a. (1% real return)
• Medium-term returns: 3 - 5 years, 8% return p.a. (3% real return)
• Long-term returns: 6 years or more, 10% return p.a. (5% real return)

In line with these assumptions, the tool does not take the following factors into consideration:

• Tax implications of investments for investors.
• Investment or product fees (i.e. all estimates are based on gross returns).
• Advantages or limitations relating to specific investment products.
• Volatility in investment returns due to asset mix and time horizons.
• Different inflation rates applicable to various items and time horizons.

Should you wish to rely on the calculations from this tool, you are advised to check the calculations before using them as PSG will not be liable for any inaccuracy in the calculation.

Speak to your financial adviser before making an investment decision. We don't guarantee that the information or any investment product is suitable or valuable to any investors. You should consult a registered financial adviser to get advice about whether our investment plans and the funds are suitable for your personal investment needs.