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A model is not a prediction. The results from the SuperWiser calculator are based on the information that you provide and assumptions made about the future. The amounts projected by this calculator are estimates only and are not guaranteed. You may get more or less super as your life progresses. Please be aware that investments can go up and down and that past performance is not necessarily indicative of future performance.
The algorithm and calculator utilised by SuperWiser cannot predict your retirement income with certainty because this will depend on your personal circumstances including unexpected events in your life and external factors such as any Age pension paid, investment earnings, tax and inflation. It is vital you monitor the progressive performance of your super on a regular manner and at least annually. The SuperWiser calculator assumes that you can make steady annual contributions and that all assumptions are stable for as long as you remain in the fund. Although events may turn out differently from what’s assumed, these assumptions are essential so the calculator can show the effect of things you may be able to control.
We recommend you do a new projection each year as your circumstances change and as superannuation rules may have changed. You can also change and update some of the assumptions to reflect latest developments. Don’t just rely on this calculator to make decisions about your retirement, savings or for any other decision. There may be other factors to take into account. Consider also your own investment objectives, financial situation and needs. You may need to seek advice from a licensed financial adviser having regard to your particular circumstances.