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Investment calculator Assumptions and disclaimer
  • EdSaver

    EdSaver

    Futurity’s EdSaver is designed to help you save and invest for your family’s future education expenses.

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    • EdSaver
    • What is an Education Bond
    • Tax Benefits
    • Cost of Education Calculator
  • Education Bonds

    Education Bonds

    Explore our flexible, tax-effective Education Bond range

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    • What is an Education Bond
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    For Financial Advisers

    Futurity can help your clients achieve education, wealth and estate planning goals

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Savings and Investment Calculator Assumptions and Disclaimer


Assumptions



The purpose of this calculator is to help you see how much you could save over time, or how long it will take to reach your savings goal based on the information you put into the calculator. The results are an estimate only and are not guaranteed. We have made assumptions when producing the calculations, the main assumptions being:



  • We assume each year is divided into 12 months, 4 quarters or 2 half years of equal length, that you make your regular savings at the start of each period (monthly, quarterly, half-yearly or annually as you select), and that you do not make any withdrawals.
  • The calculator makes no allowance for inflation (we suggest you allow for future price increases when setting your goal).
  • The calculator uses a constant rate of return for the full period, compounding monthly, with each month being exactly 30 days (some months are, of course, longer or shorter than this, and this will affect total calculations).
  • The calculator does not calculate any fees and assumes that the Rate of Return is net of any applicable fees. A fund tax rate of 30% is applied to the Rate of Return (the actual tax rate may well be lower than this, thus resulting in higher potential earnings).
  • The prefilled return rates for the Risk Measures are based on the Vanguard Wholesale Fund Benchmark 10 year returns as at end of June 2024. These returns have then been reduced by an estimated total management fee figure for a Futurity Education Bond (refer 'Fees and Other Costs' in the current PDS). You should note that past returns are not a reliable indicator of future performance.
  • We round monetary amounts to the nearest dollar.


Disclaimer


This calculator is a guide only and provides information of a general nature. It does not take into account your objectives, your financial situation or needs. Before making any financial decision based on this information consider its appropriateness in light of your own objectives, financial situation or needs, read the appropriate Product Disclosure Statement and related target market determination (both accessible on our website) and consider obtaining professional advice if needed.



Futurity Investment Group Limited ABN 21 087 648 879, AFSL 236665 is the product issuer of Futurity’s Education Bonds.

Futurity acknowledges and pays respect to the past, present and future Traditional Custodians and Elders of this nation and the continuation of cultural, spiritual and educational practices of Aboriginal and Torres Strait Islander peoples.


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Contact Us

1300 345 456

EdSaver
  • What is an Education Bond
  • Tax Benefits
  • Cost of Education Calculator
Education Bonds
  • Bond Products
  • Investment Strategy
  • Investment Options
  • What is an Education Bond
  • Tax Benefits
For Financial Advisers
  • Education Bond
  • Resources
  • News
  • About Us
  • Our Team

EdSaver
  • What is an Education Bond
  • Tax Benefits
  • Cost of Education Calculator
Education Bonds
  • Bond Products
  • Investment Strategy
  • Investment Options
  • What is an Education Bond
  • Tax Benefits
For Financial Advisers
  • Education Bond
  • Resources
  • News
  • About Us
  • Our Team
For Financial Advisers
  • Education Bond
  • Resources
  • News
  • About Us
  • Our Team
Articles
Contact Us

1300 345 456

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Copyright © 2025 Futurity Investment Group Ltd ACN 087648879 — All Rights Reserved



The information in this website contains general advice only and does not take into account your objectives, financial situation or needs. Before you act on any advice in this website please consider whether it is appropriate to your personal circumstances. You should also read the relevant Product Disclosure Statement and download the Application Form which are both available on our website, or you can obtain a copy by calling us on 1300 345 456.

Product issuer and finance provider is Futurity Investment Group Limited, ACN 087648879, AFSL 236665, ACL 236665.