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Investment growth: see how time and contributions can make a difference
Want to see how regular saving could grow over time? Enter an amount you already have, what you could add each month and how many years you plan to invest. Choose an assumed return to see an illustration of a possible future value. You can change the figures to compare scenarios. This is not a prediction: actual returns can differ and investment values may fall.
Illustrations exclude platform fees, investment charges, adviser fees, applicable taxes and inflation. The selected return is hypothetical, not guaranteed. Actual values may be higher or lower, and you may lose capital. Tax-free contribution limits, penalties and product access rules apply.
Annual effective return: 10%
Tax-free contribution room
If you select a tax-free investment, enter contributions already made in the current tax year and in earlier years across all providers. These figures help assess contribution limits; they are not added to the projected investment value. A child’s tax-free account has the child’s own contribution limits.
These projections exclude platform fees, investment charges, adviser fees, applicable taxes and inflation. Actual investment values may therefore be materially lower.
On the figures entered, the new contributions fit inside the reference annual and lifetime limits. This illustration uses reference tax-free savings contribution limits. Check the latest limits with SARS before making contributions.
- These projections exclude platform fees, investment charges, adviser fees, applicable taxes and inflation. Actual investment values may therefore be materially lower.
- This illustration uses reference tax-free savings contribution limits. Check the latest limits with SARS before making contributions.
- Growth inside the account is not a contribution. A withdrawal does not restore annual or lifetime room. Paying withdrawn money back in counts as a new contribution. This illustration does not model withdrawals.
- SARS describes a 40% tax on contributions above the annual or lifetime limit. This tool does not calculate that penalty.
- A child's tax-free investment is the child's, with the child's own annual and lifetime limits. It does not use a parent's room.
- Amounts already contributed are used only to test the limits. They are not added to the projected value, because a current fund value was not asked for.
The full limits of this illustration
This is a hypothetical educational illustration. The return you select is not guaranteed and it is not a prediction. The actual result may be higher or lower, and you can lose money. These projections exclude platform fees, investment charges, adviser fees, applicable taxes and inflation. Actual investment values may therefore be materially lower. Charges vary by product, product house and platform. Past performance is not a guide to future performance. Values and returns are not guaranteed. This is not personalised advice, a recommendation, a quotation or an offer. Product rules, statute, tax, contribution limits and access limits may apply. A qualified authorised adviser can help with your own circumstances. This wording is pending responsible compliance approval.
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