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Determine whether you are prepared for the future by choosing one of the following assessments

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Securing your Future

Expected investment growth %
Expected inflation %
Your current age
Your expected retirement age
Current age of your spouse
Expected retirement age of your spouse
Monthly property rental/other income (including expected inflation rate)			Predicted value of rental and other income at retirement age
Monthly gross income of your spouse			Predicted value of gross income at retirement age
Monthly income required should you retire today			Predicted value of income required at retirement age
Use an SA Tax Calculator for the correct Tax Figure			Ignore tax at your family's peril
Estimated years after retirement you will require your income
Estimated value of your assets if sold for cash (e.g. value of property, etc.)			Predicted value of assets sold at retirement age
Expected value of your liabilities by retirement age (e.g. bond, credit card, personal loans, etc.)
Total planned capital expenses (e.g. new vehicle, overseas holiday, etc.)			Predicted value of planned expenses at retirement age

Present value of your total investments
Your monthly investment contributions
Estimated escalation of your annual contribution until retirement age at selected percentage rate			Predicted value of investments at retirement age

Present value of your total retirement funds
Your monthly retirement contributions
Estimated escalation of your annual contribution until retirement age at selected percentage rate			Predicted value of retirement funds at retirement age

Present value of your spouse’s total investments
Your spouse's monthly contributions to investments
Estimated escalation of your spouse's annual contribution until retirement age at selected percentage rate			Predicted value of investments at retirement age

Present value of your spouse's total retirement funds
Your spouse's monthly retirement contributions
Estimated escalation of your spouse's annual contribution until retirement age at selected percentage rate			Predicted value of retirement funds at 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
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Assumptions

Assumption #1: If your spouse continues to work after you have retired, his/her salary will increase with the inflation rate
Assumption #2: You have estimated your family’s income needs as accurately as possible
Assumption #3: The possible sale of assets is based on future value of assets at inflation
Assumption #4: The assessment is done based on the term indicated and not on life expectancy
Assumption #5: Possible liabilities at retirement age are calculated manually
Assumption #6: Investments can include banks, Endowment policies, ETF’s, Unit Trusts and Shares.
Assumption #7: Retirement funds can include Pension funds, Provident funds, Retirement Annuities, Preservation Funds and current Living Annuities.
Assumption #8: The future value of capital available is based on the rate provided for the term to retirement and annual automatic premium increases for monthly contributions
Assumption #9: Future values of investments and retirement funds are based on the assumed retirement date and ignore actual maturity dates
Assumption #10: Property rental income will be available for the full term as required by the family

Cash Flow