The risks that affect every projection in the calculator, including market, property, interest rate, inflation and personal risk.
Draft for legal review. These pages were prepared to make our policies transparent and easy to find. They have not yet been approved by a South African attorney or compliance professional, and the business does not claim to be legally compliant merely because these pages exist. Wording, company details and regulatory positioning must be reviewed and approved before launch.
Investment values fluctuate and can fall. A projected growth rate is an assumption, not a promise. Real returns may be materially lower — or higher — than modelled, and sequence-of-returns risk can change a retirement outcome significantly.
Property values, rental demand, vacancy periods, levies, rates and maintenance costs all vary. Selling costs and time to sell are estimates.
Interest rates move. A change in the repo rate changes bond and vehicle finance repayments and the interest/capital split shown by the calculator.
Actual inflation may differ from the assumption used, which changes both your future expenses and the real value of your savings.
Job loss, illness, disability, death, divorce, dependants and emergencies all change a plan. The calculator does not model insurance adequacy or estate consequences.
Every model simplifies reality. The calculator's benchmarks, tax treatment and assumptions are general and may not fit your circumstances.
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