Disclaimer

  • The Retirement Adequacy Planning Tool (Accumulation) or ‘RAPTA’ for short, is a tool that is designed to help you understand how changes to your income, contributions rate, investment performance, annual pension and other factors can affect your retirement balance. 
  • This tool is a model, not a prediction and does not constitute financial advice. The amounts projected are estimates only provided by this model and are not guaranteed in any way.
  • The tool is based on our understanding of Australian tax, social security and superannuation laws as at November 2019. 
  • The results from this projection are based on the limited information that you have provided and assumptions made about the future. 
  • You should consider re-performing retirement projections as your circumstances change. You can also change and update some of the assumptions to reflect your personal circumstances.
  • This projection cannot predict your final superannuation benefit with certainty because this will depend on your personal circumstances including unexpected events in your life and external factors such as investment earnings, tax and inflation. This projection assumes that you can make steady, predictable contributions and that all assumptions including these external factors will operate at set, steady rates until you retire, even if events turn out differently from what is assumed. These assumptions are essential so the projection can show the effect of things you may be able to control, such as choosing a low-fee fund.
  • This tool does not take into account all your individual investment objectives, existing financial situation or particular needs, nor does it help you to select financial products or strategies that suit your needs and your preferences. 
  • The tool should not be relied on to alter your current financial situation and is not intended to be relied on for the purposes of making a financial decision or a decision in relation to a financial product. 
  • You may wish to take into account your own personal objectives, financial situation and needs and consider the Product Disclosure Statement for the product you are considering.
  • This tool is not a substitute for financial advice. We recommend you consider obtaining advice from a licensed Financial Adviser before taking any action. You should also obtain and consider the relevant Financial Services Guide and Product Disclosure Statements before making any financial decision in relation to a product.