• -Assumed annual return of 5% (net of all deductions except fees) for all funds used in projections/comparisons

-Income stays the same over investment term.

-Income is earned every year.

-No legislative changes over investment term.

-Super taxed at 15%

-Assumed Retirement age of 65

-No lump sum withdrawals over the investment time-frame.

-Assumes no adviser service fee is being charged on the current/existing fund