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Retirement Planner |
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| Step 2: Estimate investment returns needed |
| This section will help you calculate how much investment income you will need in order to meet your cost of living when you retire. |
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| Step 3: Compute wealth needed prior to retirement |
| Compute what level of financial wealth you need to fund your retirement expenses by the time you are retired. |
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MouseOver on the for more information
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| Step 4: Plan your investments today |
Compute what level of financial wealth you need to fund your retirement expenses by the time you are retired.This section will help you plan your investments towards being financially prepared for your retirement.
We recommend a two-step approach to planning your investments today:
a) planning your asset allocation and
b) drawing up a savings plan
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a) Asset Allocator
This planning tool will suggest an asset allocation, based on your level of risk capacity and risk tolerance
Access now
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b) Draw up a savings plan
To start, review and edit your financial portrait (drawn up below). |
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MouseOver on the for more information
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What's your current monthly expense profile? | |
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You need to input your family's monthly expenses (split into inflationary and non-inflationary expenses) below. Your family should include all members for whom you are financially responsible. | |
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Current Expenses Calculator | |
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Our Current Expenses Calculator will help you calculate your family's total monthly and annual expenses. | |
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Inflationary expenses | |
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Inflationary expenses are expenses which you expect will increase in line with inflation every year. Include monthly expenses for all family members for whom you are financially responsible. | |
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Non-inflationary expenses | |
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Non-inflationary expenses are expenses which are likely to remain at the same level every year i.e. not increase in line with inflation. Typically these expenses are repayment EMIs for loans. | |
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What % of the inflationary expenses do you expect to incur when you retire? | |
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Input the percentage of the inflationary expenses, at today's cost level, that you expect to incur in your retirement. | |
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What % of the non-inflationary expenses do you expect to incur when you retire? | |
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Input the percentage of the non-inflationary expenses you expect to incur in your retirement. | |
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Estimate the annual inflation rate from now until...? | |
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Input your expected annual inflation rate from now until the year in which you plan to retire. If you are undecided, leave our suggested inflation rate. | |
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What % of these expenses will be met from sources besides your retirement fund? | |
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This should include any income you expect from part-time employment, any income from inheritances you expect and/ or any additional source of income which will meet part of your expenses in retirement for which you need not provide until retirement. | |
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What annual pre-tax return do you expect your financial wealth to earn? | |
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This rate indicates the pre-tax rate at which you expect your investments to appreciate annually between now and the time you retire. If you are unsure, use our default suggested rate. | |
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What is the average tax rate you expect to pay on investment returns in retirement? | |
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Input the tax rate you expect to pay on your investments in your retirement period. | |
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What rate of inflation do you believe will prevail in the years of your retirement? | |
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Input the average level of annual inflation you expect in your retirement period. If you are undecided, use our default suggested rate. | |
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Estimated monthly inflationary expenses in retirement at current prices | |
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Inflationary expenses are expenses which you expect will increase in line with inflation every year. Include monthly expenses for all family members for whom you are financially responsible. | |
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Estimated monthly non-inflationary expenses in retirement at current prices | |
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Non-inflationary expenses are expenses which are likely to remain at the same level every year i.e. not increase in line with inflation. Typically these expenses are repayment EMIs for loans. | |
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Estimated inflation until retirement | |
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Input your expected annual inflation rate from now until the year in which you plan to retire. If you are undecided, use our default suggested rate. | |
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Estimated inflation in period of retirement | |
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Input the average level of annual inflation you expect in your retirement period. If you are undecided, use our default suggested rate. | |
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What % of these expenses will be met from sources besides your retirement fund? | |
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This should include any income you expect from part-time employment, any income from inheritances you expect and/ or any additional source of income which will meet part of your expenses in retirement for which you need not provide until retirement. | |
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Expected rate of return on financial assets | |
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Input the tax rate you expect to pay on your investments in your retirement period. | |
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Draw up a monthly savings plan for me | |
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This will calculate for you how much you need to save and invest every month from now until retirement to fund your estimated retirement expenses. | |
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