Assumptions

1. Please note that the calculations are only as accurate as the information you provided.
2. This spreadsheet does not perform a complete financial analysis, it only looks at retirement provision based on the inputs provided.
3. Financial planning is based on assumptions about uncertain future outcomes, for example, investment returns. The actual outcomes of these uncertainties have a major effect on your financial planning and your ability to reach your goals. It is therefore important to review your planning regularly.
4. The amount required at retirement is calculated in the assumption that the client purchases a single life annuity that provides inflation linked income for life, with a minimum term of 10 years.
5. The investment return and inflation inputs were used as yearly effective rates.
6. The investment return rate is a net rate after tax and expenses.