The risks that affect every projection in the calculator, including market, property, interest rate, inflation and personal risk.
Legal document status — draft
The legal documents available on this website are currently draft documents prepared for the initial operation of Lifestyle Calculator. They are provided as an interim framework and are subject to review, amendment and approval by a South African attorney and/or suitably qualified compliance professional.
These documents will be updated once the legal and compliance review has been completed. The final versions may contain additional provisions, amendments or changes required to ensure that the website's terms, privacy practices, consumer disclosures and financial-services positioning are appropriately aligned with applicable South African legislation.
The publication of these draft documents does not constitute a representation that Lifestyle Calculator is currently compliant with every law, regulation, licence requirement, registration requirement or regulatory obligation that may potentially apply to the website or its activities.
Users should refer to the latest published version of each document once the legal review has been completed.
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 investments may involve interest-rate risk, vacancy risk, rental-income risk, maintenance costs, property-value fluctuations, taxation, levies, insurance costs and other expenses. Values, rental demand, vacancy periods, levies, rates and maintenance costs all vary, and 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.
Debt carries financial obligations and may expose you to interest-rate changes, repayment risk, credit consequences and legal steps if repayments cannot be maintained.
Investment values may rise or fall and you may lose some or all of the money invested. Projections generated by the calculator are illustrative scenarios, not guarantees, and you are responsible for assessing whether a financial decision suits your own circumstances.
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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