Financial Disclaimer

1. Educational modelling, not advice

The Lifestyle Calculator provides calculations, estimates, benchmarks, scenarios and projections based on the information you supply and on assumptions used by the model. It is not personalised financial, investment, tax, accounting, legal, credit, insurance or debt-counselling advice, and we do not act as your financial adviser merely because you use the calculator, its educational content, its modelling tools or its benchmarks.

Any suggested allocation, benchmark, target, percentage, score or improvement strategy is a general modelling assumption, not a recommendation that a particular user should follow it.

Nothing on this website should be read as a recommendation to buy, sell or hold any specific financial product, investment, policy or property, or to borrow, restructure debt or change a retirement arrangement.

Past performance, historical information and projected returns are not guarantees of future results. Financial markets, interest rates, inflation, taxation, property values and rental income can all change.

2. What you must keep in mind

• All results are estimates, not statements of fact.
• Projections are not guarantees of any future outcome.
• Investment returns are not guaranteed and past performance is not a guide to future performance.
• Property growth and rental income are not guaranteed.
• Inflation assumptions may change.
• Interest rates may change.
• Tax rules and tax treatment may change.
• Individual circumstances differ; the model cannot see your full picture.
• Results change as soon as your inputs or the assumptions change.

3. Before you act

Obtain advice from a suitably qualified and, where required, appropriately authorised professional before making an important financial decision. The Contact Us page includes an option to request a referral to a financial adviser.

4. Regulatory status

Lifestyle Calculator is an educational financial modelling platform and does not represent itself as an authorised financial services provider unless expressly stated otherwise. Its FAIS status is: [TO BE CONFIRMED BY THE BUSINESS] — the business must not describe itself as an authorised financial services provider unless it holds a licence.

We do not provide regulated financial advice or intermediary services merely through the operation of the calculator, its educational content or its planning tools. Where a third party provides a regulated financial service through or following the platform, that service is provided by the third party subject to its own regulatory obligations.

The exact regulatory position depends on the business model and activities, and is one of the matters still subject to review by a suitably qualified South African legal or compliance professional.

Where the calculator highlights areas worth reviewing, that is educational guidance based on general planning benchmarks, not advice about a specific product.