Calculator - Get as Excel by tyndale

VIEWS: 67 PAGES: 6

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This calculator uses the new rules for your contributions that apply only from 1 July 2009.

1. Print 'Your guide to the FIDO super calculator'. The calculator uses assumptions
   about unpredictable events that cannot be guaranteed.
2. The calculator uses macros. Please select 'Enable Macros' when opening the calculator.
3. Fill in white boxes and choose tick boxes. The Guide explains them.
4. Red triangles contain instructions. View, Comments or mouse over cell.
5. You can see and change some assumptions. Click Assumptions tab.
6. Click Workings and Zero fees tabs for detailed calculations (reference only).

Do you want to compare two funds?

Your age and intentions
Age now                                                                      30
Intended retirement age                                                      65
Do you intend to break from full time work?




Your superannuation and income
Superannuation accumulated now                                          $20,000

Your gross annual salary                                                $50,000
Do you make salary-sacrifice contributions?                       No

Do you make after-tax contributions?                              No


Include the co-contribution if you are eligible?

Which investment option?                                          Balanced
(This sets assumed investment earning rates)

What if you stay in your current fund?                                                   What if you move to another fund ?

Your current fund name                                                                   New fund name


                                                                                         Is there a termination fee for
                                                                                            leaving current fund?


Your fund's investment earnings                                                          New fund's investment earnings
Earning rate before management costs & tax                               8.00%           Earning rate before management costs & tax                 8.00%

Your fund's fees                                                                         Your new fund's fees
Management cost (% of accumulation)                                      0.55%           Management cost (% of accumulation)                        0.55%
Any extra $ per year management fee                                         $52          Any extra $ per year management fee                           $52
Contribution fee (% of contributions)                                    0.00%           Contribution fee (% of contributions)                      0.00%
Insurance premiums ($ per year)                                             $78          Insurance premiums ($ per year)                               $78
Adviser service fee (% of accumulation)                                  0.00%           Adviser service fee (% of accumulation)                    0.00%

Results for current fund                                                 Age 65          Results for new fund                                      Age 65
Your superannuation accumulation                                       $310,000          Your superannuation accumulation                        $310,000
  in today's dollars                                                                       in today's dollars


'Your super accumulation' is an estimate based on limited information and not guaranteed.
Don't just rely on this calculator to choose a fund. Consider your own circumstances. You might need advice from a licensed adviser.

                                         Accumulation over time
                 350
                            Your current fund
                 300        The other fund


                 250
   $ thousands




                 200

                 150

                 100

                  50

                   0
                       30    35              40        45          50         55    60         65
                                                            Age




                                  Final accumulation                               Final accumulation

                                                  Accumulation                                                               Accumulation
                                                  Effect of Fees and Premiums                                                Effect of Fees and Premiums




                                        44,000
                                                                                                                    44,000




                                                     310,000
                                                                                                                                310,000
Background assumptions

 SGL rate                      Earning tax
       9.00%                        6.00% (Nominally 15%, but offset by imputation credits and tax deductions)

      Inflation                Rise in community living standards           All white fields can be
        2.50%                        1.00%                                  changed to reflect
                                                                            policy and economic
                               Tax on contributions                         developments.
                                   15.00%

 Contributions limits
 Concessional contributions limit         $25,000
 Non-concessional contributions limit    $150,000
 Base Year                    to 30 June   2010


 Co-contribution calculations
 Income for max eligibility                  $31,920
 Max income                                  $61,920
 Max contribution for co-contribution         $1,000

                  Payment rates:
                  From year
                  to 30 June Rate           Taper
                        0            1.50    0.05000
                      2010           1.00    0.03333
                      2013           1.25    0.04167
                      2015           1.50    0.05000



 Current year to 30 June                       2010
 Income now                                  $50,000
 Max co-contribution available                 $397
 Extra contribution                               $0
 Co-contribution                                  $0


 Long term investment earnings                                                                        Conservative limits
                                                                                                            Upper
                                             Nominal       Real            Range +/-                   Nominal
                  Growth                       8.5%        4.8%                3.0%                      11.5%
                  Balanced                     8.0%        4.3%                3.0%                      11.0%
                  Cap stable                   6.0%        2.4%                2.0%                       8.0%
                  Cap g'tee                    5.5%        1.9%                2.0%                       7.5%
                  Other                        0.0%       -3.4%                6.0%                       6.0%
dits and tax deductions)




           Conservative limits
                Upper                 Lower
                          Real   Nominal       Real
                         7.7%       5.5%       1.9%
                         7.3%       5.0%       1.4%
                         4.3%       4.0%       0.5%
                         3.9%       3.5%      -0.1%
                         2.4%      -6.0%      -9.2%
Superannuation account

                                             Retirement age                   65 Assumed contribution taxes are pre fees
                                             Accumulation                310,036 Assumed no surcharge when not fully employed
                                                                                 Assumed advisor service fee after taxes

Income                                                        Contribution Limits                             Contributions                                                      Fees                                              Superannuation account
 Age Year to Contrib- Bring Fract- Income     Income            Con-     Non-con-     Con-       Non-con-       Super      Super    Governm Contribut- Contribut-   Contributi      Fee        Fee         Fee        Fee           Balance   Contribut-    Fees      Earning    Tax on      Balance
     30 June uting Fwd Yr ion        prod                     cessional cessional   cessional    cessional      conts    conts non- ent Co- ion before  ion tax     on net of    charged as charged as   absolute    advisor        begin of     ions                            Earning    end of year
                                    growth                      Limit      Limit    Restricted   Restricted    concess concess       contrib    tax                    tax         % conts      %                    service          year
                                                                                                                                                                                                                                                                                                20,000
  30     2010      1      0   1.00    1.00     50,000           25,000   150,000        0            0           4,500          0         0     4,500        -637       3,863             0       -122        -130             0      20,000      3,863        -252        943       -101       24,452
  31     2011      1      0   1.00    1.00     50,000           24,149   144,893        0            0           4,500          0         0     4,500        -633       3,867             0       -147        -130             0      24,452      3,867        -277      1,135       -122       29,054
  32     2012      1      0   1.00    1.00     50,000           23,326   139,959        0            0           4,500          0         0     4,500        -630       3,870             0       -172        -130             0      29,054      3,870        -302      1,333       -143       33,813
  33     2013      1      0   1.00    1.00     50,000           22,532   135,193        0            0           4,500          0         0     4,500        -626       3,874             0       -198        -130             0      33,813      3,874        -328      1,538       -165       38,732
  34     2014      1      0   1.00    1.00     50,000           21,765   130,590        0            0           4,500          0         0     4,500        -622       3,878             0       -225        -130             0      38,732      3,878        -355      1,750       -188       43,817
  35     2015      1      0   1.00    1.00     50,000           21,024   126,144        0            0           4,500          0         0     4,500        -617       3,883             0       -253        -130             0      43,817      3,883        -383      1,970       -211       49,075
  36     2016      1      0   1.00    1.00     50,000           24,370   146,218        0            0           4,500          0         0     4,500        -613       3,887             0       -282        -130             0      49,075      3,887        -412      2,196       -236       54,510
  37     2017      1      0   1.00    1.00     50,000           23,540   141,239        0            0           4,500          0         0     4,500        -609       3,891             0       -312        -130             0      54,510      3,891        -442      2,431       -261       60,130
  38     2018      1      0   1.00    1.00     50,000           22,738   136,430        0            0           4,500          0         0     4,500        -604       3,896             0       -343        -130             0      60,130      3,896        -473      2,673       -287       65,939
  39     2019      1      0   1.00    1.00     50,000           21,964   131,785        0            0           4,500          0         0     4,500        -599       3,901             0       -375        -130             0      65,939      3,901        -505      2,924       -314       71,945
  40     2020      1      0   1.00    1.00     50,000           24,752   148,514        0            0           4,500          0         0     4,500        -594       3,906             0       -408        -130             0      71,945      3,906        -538      3,183       -341       78,154
  41     2021      1      0   1.00    1.00     50,000           23,909   143,457        0            0           4,500          0         0     4,500        -589       3,911             0       -442        -130             0      78,154      3,911        -572      3,450       -370       84,573
  42     2022      1      0   1.00    1.00     50,000           23,095   138,572        0            0           4,500          0         0     4,500        -584       3,916             0       -478        -130             0      84,573      3,916        -608      3,727       -400       91,209
  43     2023      1      0   1.00    1.00     50,000           22,309   133,854        0            0           4,500          0         0     4,500        -578       3,922             0       -514        -130             0      91,209      3,922        -644      4,013       -430       98,069
  44     2024      1      0   1.00    1.00     50,000           24,628   147,767        0            0           4,500          0         0     4,500        -573       3,927             0       -552        -130             0      98,069      3,927        -682      4,309       -462      105,162
  45     2025      1      0   1.00    1.00     50,000           23,789   142,736        0            0           4,500          0         0     4,500        -567       3,933             0       -591        -130             0     105,162      3,933        -721      4,615       -495      112,494
  46     2026      1      0   1.00    1.00     50,000           22,979   137,876        0            0           4,500          0         0     4,500        -561       3,939             0       -631        -130             0     112,494      3,939        -761      4,931       -529      120,075
  47     2027      1      0   1.00    1.00     50,000           24,971   149,829        0            0           4,500          0         0     4,500        -555       3,945             0       -673        -130             0     120,075      3,945        -803      5,258       -564      127,912
  48     2028      1      0   1.00    1.00     50,000           24,121   144,727        0            0           4,500          0         0     4,500        -548       3,952             0       -716        -130             0     127,912      3,952        -846      5,596       -600      136,014
  49     2029      1      0   1.00    1.00     50,000           23,300   139,799        0            0           4,500          0         0     4,500        -541       3,959             0       -760        -130             0     136,014      3,959        -890      5,946       -638      144,390
  50     2030      1      0   1.00    1.00     50,000           22,506   135,039        0            0           4,500          0         0     4,500        -535       3,965             0       -807        -130             0     144,390      3,965        -937      6,307       -676      153,049
  51     2031      1      0   1.00    1.00     50,000           24,156   144,934        0            0           4,500          0         0     4,500        -527       3,973             0       -854        -130             0     153,049      3,973        -984      6,680       -717      162,001
  52     2032      1      0   1.00    1.00     50,000           23,333   139,999        0            0           4,500          0         0     4,500        -520       3,980             0       -903        -130             0     162,001      3,980      -1,033      7,066       -758      171,256
  53     2033      1      0   1.00    1.00     50,000           24,793   148,756        0            0           4,500          0         0     4,500        -512       3,988             0       -954        -130             0     171,256      3,988      -1,084      7,466       -801      180,824
  54     2034      1      0   1.00    1.00     50,000           23,948   143,691        0            0           4,500          0         0     4,500        -504       3,996             0     -1,007        -130             0     180,824      3,996      -1,137      7,878       -845      190,716
  55     2035      1      0   1.00    1.00     50,000           23,133   138,798        0            0           4,500          0         0     4,500        -496       4,004             0     -1,061        -130             0     190,716      4,004      -1,191      8,305       -891      200,943
  56     2036      1      0   1.00    1.00     50,000           24,377   146,260        0            0           4,500          0         0     4,500        -488       4,012             0     -1,118        -130             0     200,943      4,012      -1,248      8,746       -938      211,515
  57     2037      1      0   1.00    1.00     50,000           23,547   141,280        0            0           4,500          0         0     4,500        -479       4,021             0     -1,176        -130             0     211,515      4,021      -1,306      9,202       -987      222,445
  58     2038      1      0   1.00    1.00     50,000           24,640   147,842        0            0           4,500          0         0     4,500        -470       4,030             0     -1,236        -130             0     222,445      4,030      -1,366      9,673     -1,038      233,744
  59     2039      1      0   1.00    1.00     50,000           23,801   142,808        0            0           4,500          0         0     4,500        -461       4,039             0     -1,298        -130             0     233,744      4,039      -1,428     10,160     -1,090      245,426
  60     2040      1      0   1.00    1.00     50,000           24,759   148,557        0            0           4,500          0         0     4,500        -451       4,049             0     -1,362        -130             0     245,426      4,049      -1,492     10,664     -1,144      257,503
  61     2041      1      0   1.00    1.00     50,000           23,916   143,498        0            0           4,500          0         0     4,500        -441       4,059             0     -1,429        -130             0     257,503      4,059      -1,559     11,185     -1,200      269,988
  62     2042      1      0   1.00    1.00     50,000           24,752   148,513        0            0           4,500          0         0     4,500        -431       4,069             0     -1,497        -130             0     269,988      4,069      -1,627     11,723     -1,257      282,896
  63     2043      1      0   1.00    1.00     50,000           23,909   143,456        0            0           4,500          0         0     4,500        -420       4,080             0     -1,568        -130             0     282,896      4,080      -1,698     12,280     -1,317      296,240
  64     2044      1      0   1.00    1.00     50,000           24,635   147,810        0            0           4,500          0         0     4,500        -409       4,091             0     -1,642        -130             0     296,240      4,091      -1,772     12,855     -1,379      310,036
  65     2045      0      0   1.00    1.00          0           23,796   142,777        0            0               0          0         0         0           0           0             0          0           0             0           0          0           0          0          0            0
  66     2046      0      0   1.00    1.00          0           24,423   146,535        0            0               0          0         0         0           0           0             0          0           0             0           0          0           0          0          0            0
  67     2047      0      0   1.00    1.00          0           24,979   149,872        0            0               0          0         0         0           0           0             0          0           0             0           0          0           0          0          0            0
  68     2048      0      0   1.00    1.00          0           24,128   144,769        0            0               0          0         0         0           0           0             0          0           0             0           0          0           0          0          0            0
  69     2049      0      0   1.00    1.00          0           24,601   147,608        0            0               0          0         0         0           0           0             0          0           0             0           0          0           0          0          0            0
  70     2050      0      0   1.00    1.00          0           23,764   142,582        0            0               0          0         0         0           0           0             0          0           0             0           0          0           0          0          0            0
  71     2051      0      0   1.00    1.00          0           24,163   144,976        0            0               0          0         0         0           0           0             0          0           0             0           0          0           0          0          0            0
  72     2052      0      0   1.00    1.00          0           24,507   147,042        0            0               0          0         0         0           0           0             0          0           0             0           0          0           0          0          0            0
  73     2053      0      0   1.00    1.00          0           24,800   148,799        0            0               0          0         0         0           0           0             0          0           0             0           0          0           0          0          0            0
  74     2054      0      0   1.00    1.00          0           23,955   143,732        0            0               0          0         0         0           0           0             0          0           0             0           0          0           0          0          0            0
  75     2055      0      0   1.00    1.00          0           24,191   145,149        0            0               0          0         0         0           0           0             0          0           0             0           0          0           0          0          0            0
  76     2056      0      0   1.00    1.00          0           24,384   146,302        0            0               0          0         0         0           0           0             0          0           0             0           0          0           0          0          0            0
  77     2057      0      0   1.00    1.00          0           24,535   147,209        0            0               0          0         0         0           0           0             0          0           0             0           0          0           0          0          0            0
  78     2058      0      0   1.00    1.00          0           24,647   147,885        0            0               0          0         0         0           0           0             0          0           0             0           0          0           0          0          0            0
  79     2059      0      0   1.00    1.00          0           24,724   148,343        0            0               0          0         0         0           0           0             0          0           0             0           0          0           0          0          0            0
  80     2060      0      0   1.00    1.00          0           24,767   148,599        0            0               0          0         0         0           0           0             0          0           0             0           0          0           0          0          0            0
  81     2061      0      0   1.00    1.00          0           24,778   148,666        0            0               0          0         0         0           0           0             0          0           0             0           0          0           0          0          0            0
  82     2062      0      0   1.00    1.00          0           24,759   148,556        0            0               0          0         0         0           0           0             0          0           0             0           0          0           0          0          0            0
  83     2063      0      0   1.00    1.00          0           24,713   148,281        0            0               0          0         0         0           0           0             0          0           0             0           0          0           0          0          0            0
  84     2064      0      0   1.00    1.00          0           24,642   147,852        0            0               0          0         0         0           0           0             0          0           0             0           0          0           0          0          0            0
  85     2065      0      0   1.00    1.00          0           24,547   147,281        0            0               0          0         0         0           0           0             0          0           0             0           0          0           0          0          0            0
  86     2066      0      0   1.00    1.00          0           24,430   146,577        0            0               0          0         0         0           0           0             0          0           0             0           0          0           0          0          0            0
  87     2067      0      0   1.00    1.00          0           24,986   149,915        0            0               0          0         0         0           0           0             0          0           0             0           0          0           0          0          0            0
  88     2068      0      0   1.00    1.00          0           24,805   148,833        0            0               0          0         0         0           0           0             0          0           0             0           0          0           0          0          0            0
  89     2069      0      0   1.00    1.00          0           24,608   147,651        0            0               0          0         0         0           0           0             0          0           0             0           0          0           0          0          0            0
  90     2070      0      0   1.00    1.00          0           24,396   146,377        0            0               0          0         0         0           0           0             0          0           0             0           0          0           0          0          0            0
Superannuation account

                                             Retirement age                   65 Assumed contribution taxes are pre fees
                                             Accumulation                310,036 Assumed no surcharge when not fully employed
                                                                                 Assumed advisor service fee after taxes

Income                                                        Contribution Limits                             Contributions                                                      Fees                                              Superannuation account
 Age Year to Contrib- Bring Fract- Income     Income            Con-     Non-con-     Con-       Non-con-       Super      Super    Governm Contribut- Contribut-   Contributi      Fee        Fee         Fee        Fee           Balance   Contribut-    Fees      Earning    Tax on      Balance
     30 June uting Fwd Yr ion        prod                     cessional cessional   cessional    cessional      conts    conts non- ent Co- ion before  ion tax     on net of    charged as charged as   absolute    advisor        begin of     ions                            Earning    end of year
                                    growth                      Limit      Limit    Restricted   Restricted    concess concess       contrib    tax                    tax         % conts      %                    service          year
                                                                                                                                                                                                                                                                                                20,000
  30     2010      1      0   1.00    1.00     50,000           25,000   150,000        0            0            4,500         0         0      4,500       -637       3,863             0       -122        -130             0      20,000      3,863        -252        943       -101       24,452
  31     2011      1      0   1.00    1.00     50,000           24,149   144,893        0            0            4,500         0         0      4,500       -633       3,867             0       -147        -130             0      24,452      3,867        -277      1,135       -122       29,054
  32     2012      1      0   1.00    1.00     50,000           23,326   139,959        0            0            4,500         0         0      4,500       -630       3,870             0       -172        -130             0      29,054      3,870        -302      1,333       -143       33,813
  33     2013      1      0   1.00    1.00     50,000           22,532   135,193        0            0            4,500         0         0      4,500       -626       3,874             0       -198        -130             0      33,813      3,874        -328      1,538       -165       38,732
  34     2014      1      0   1.00    1.00     50,000           21,765   130,590        0            0            4,500         0         0      4,500       -622       3,878             0       -225        -130             0      38,732      3,878        -355      1,750       -188       43,817
  35     2015      1      0   1.00    1.00     50,000           21,024   126,144        0            0            4,500         0         0      4,500       -617       3,883             0       -253        -130             0      43,817      3,883        -383      1,970       -211       49,075
  36     2016      1      0   1.00    1.00     50,000           24,370   146,218        0            0            4,500         0         0      4,500       -613       3,887             0       -282        -130             0      49,075      3,887        -412      2,196       -236       54,510
  37     2017      1      0   1.00    1.00     50,000           23,540   141,239        0            0            4,500         0         0      4,500       -609       3,891             0       -312        -130             0      54,510      3,891        -442      2,431       -261       60,130
  38     2018      1      0   1.00    1.00     50,000           22,738   136,430        0            0            4,500         0         0      4,500       -604       3,896             0       -343        -130             0      60,130      3,896        -473      2,673       -287       65,939
  39     2019      1      0   1.00    1.00     50,000           21,964   131,785        0            0            4,500         0         0      4,500       -599       3,901             0       -375        -130             0      65,939      3,901        -505      2,924       -314       71,945
  40     2020      1      0   1.00    1.00     50,000           24,752   148,514        0            0            4,500         0         0      4,500       -594       3,906             0       -408        -130             0      71,945      3,906        -538      3,183       -341       78,154
  41     2021      1      0   1.00    1.00     50,000           23,909   143,457        0            0            4,500         0         0      4,500       -589       3,911             0       -442        -130             0      78,154      3,911        -572      3,450       -370       84,573
  42     2022      1      0   1.00    1.00     50,000           23,095   138,572        0            0            4,500         0         0      4,500       -584       3,916             0       -478        -130             0      84,573      3,916        -608      3,727       -400       91,209
  43     2023      1      0   1.00    1.00     50,000           22,309   133,854        0            0            4,500         0         0      4,500       -578       3,922             0       -514        -130             0      91,209      3,922        -644      4,013       -430       98,069
  44     2024      1      0   1.00    1.00     50,000           24,628   147,767        0            0            4,500         0         0      4,500       -573       3,927             0       -552        -130             0      98,069      3,927        -682      4,309       -462      105,162
  45     2025      1      0   1.00    1.00     50,000           23,789   142,736        0            0            4,500         0         0      4,500       -567       3,933             0       -591        -130             0     105,162      3,933        -721      4,615       -495      112,494
  46     2026      1      0   1.00    1.00     50,000           22,979   137,876        0            0            4,500         0         0      4,500       -561       3,939             0       -631        -130             0     112,494      3,939        -761      4,931       -529      120,075
  47     2027      1      0   1.00    1.00     50,000           24,971   149,829        0            0            4,500         0         0      4,500       -555       3,945             0       -673        -130             0     120,075      3,945        -803      5,258       -564      127,912
  48     2028      1      0   1.00    1.00     50,000           24,121   144,727        0            0            4,500         0         0      4,500       -548       3,952             0       -716        -130             0     127,912      3,952        -846      5,596       -600      136,014
  49     2029      1      0   1.00    1.00     50,000           23,300   139,799        0            0            4,500         0         0      4,500       -541       3,959             0       -760        -130             0     136,014      3,959        -890      5,946       -638      144,390
  50     2030      1      0   1.00    1.00     50,000           22,506   135,039        0            0            4,500         0         0      4,500       -535       3,965             0       -807        -130             0     144,390      3,965        -937      6,307       -676      153,049
  51     2031      1      0   1.00    1.00     50,000           24,156   144,934        0            0            4,500         0         0      4,500       -527       3,973             0       -854        -130             0     153,049      3,973        -984      6,680       -717      162,001
  52     2032      1      0   1.00    1.00     50,000           23,333   139,999        0            0            4,500         0         0      4,500       -520       3,980             0       -903        -130             0     162,001      3,980      -1,033      7,066       -758      171,256
  53     2033      1      0   1.00    1.00     50,000           24,793   148,756        0            0            4,500         0         0      4,500       -512       3,988             0       -954        -130             0     171,256      3,988      -1,084      7,466       -801      180,824
  54     2034      1      0   1.00    1.00     50,000           23,948   143,691        0            0            4,500         0         0      4,500       -504       3,996             0     -1,007        -130             0     180,824      3,996      -1,137      7,878       -845      190,716
  55     2035      1      0   1.00    1.00     50,000           23,133   138,798        0            0            4,500         0         0      4,500       -496       4,004             0     -1,061        -130             0     190,716      4,004      -1,191      8,305       -891      200,943
  56     2036      1      0   1.00    1.00     50,000           24,377   146,260        0            0            4,500         0         0      4,500       -488       4,012             0     -1,118        -130             0     200,943      4,012      -1,248      8,746       -938      211,515
  57     2037      1      0   1.00    1.00     50,000           23,547   141,280        0            0            4,500         0         0      4,500       -479       4,021             0     -1,176        -130             0     211,515      4,021      -1,306      9,202       -987      222,445
  58     2038      1      0   1.00    1.00     50,000           24,640   147,842        0            0            4,500         0         0      4,500       -470       4,030             0     -1,236        -130             0     222,445      4,030      -1,366      9,673     -1,038      233,744
  59     2039      1      0   1.00    1.00     50,000           23,801   142,808        0            0            4,500         0         0      4,500       -461       4,039             0     -1,298        -130             0     233,744      4,039      -1,428     10,160     -1,090      245,426
  60     2040      1      0   1.00    1.00     50,000           24,759   148,557        0            0            4,500         0         0      4,500       -451       4,049             0     -1,362        -130             0     245,426      4,049      -1,492     10,664     -1,144      257,503
  61     2041      1      0   1.00    1.00     50,000           23,916   143,498        0            0            4,500         0         0      4,500       -441       4,059             0     -1,429        -130             0     257,503      4,059      -1,559     11,185     -1,200      269,988
  62     2042      1      0   1.00    1.00     50,000           24,752   148,513        0            0            4,500         0         0      4,500       -431       4,069             0     -1,497        -130             0     269,988      4,069      -1,627     11,723     -1,257      282,896
  63     2043      1      0   1.00    1.00     50,000           23,909   143,456        0            0            4,500         0         0      4,500       -420       4,080             0     -1,568        -130             0     282,896      4,080      -1,698     12,280     -1,317      296,240
  64     2044      1      0   1.00    1.00     50,000           24,635   147,810        0            0            4,500         0         0      4,500       -409       4,091             0     -1,642        -130             0     296,240      4,091      -1,772     12,855     -1,379      310,036
  65     2045      0      0   1.00    1.00          0           23,796   142,777        0            0                0         0         0          0          0           0             0          0           0             0           0          0           0          0          0            0
  66     2046      0      0   1.00    1.00          0           24,423   146,535        0            0                0         0         0          0          0           0             0          0           0             0           0          0           0          0          0            0
  67     2047      0      0   1.00    1.00          0           24,979   149,872        0            0                0         0         0          0          0           0             0          0           0             0           0          0           0          0          0            0
  68     2048      0      0   1.00    1.00          0           24,128   144,769        0            0                0         0         0          0          0           0             0          0           0             0           0          0           0          0          0            0
  69     2049      0      0   1.00    1.00          0           24,601   147,608        0            0                0         0         0          0          0           0             0          0           0             0           0          0           0          0          0            0
  70     2050      0      0   1.00    1.00          0           23,764   142,582        0            0                0         0         0          0          0           0             0          0           0             0           0          0           0          0          0            0
  71     2051      0      0   1.00    1.00          0           24,163   144,976        0            0                0         0         0          0          0           0             0          0           0             0           0          0           0          0          0            0
  72     2052      0      0   1.00    1.00          0           24,507   147,042        0            0                0         0         0          0          0           0             0          0           0             0           0          0           0          0          0            0
  73     2053      0      0   1.00    1.00          0           24,800   148,799        0            0                0         0         0          0          0           0             0          0           0             0           0          0           0          0          0            0
  74     2054      0      0   1.00    1.00          0           23,955   143,732        0            0                0         0         0          0          0           0             0          0           0             0           0          0           0          0          0            0
  75     2055      0      0   1.00    1.00          0           24,191   145,149        0            0                0         0         0          0          0           0             0          0           0             0           0          0           0          0          0            0
  76     2056      0      0   1.00    1.00          0           24,384   146,302        0            0                0         0         0          0          0           0             0          0           0             0           0          0           0          0          0            0
  77     2057      0      0   1.00    1.00          0           24,535   147,209        0            0                0         0         0          0          0           0             0          0           0             0           0          0           0          0          0            0
  78     2058      0      0   1.00    1.00          0           24,647   147,885        0            0                0         0         0          0          0           0             0          0           0             0           0          0           0          0          0            0
  79     2059      0      0   1.00    1.00          0           24,724   148,343        0            0                0         0         0          0          0           0             0          0           0             0           0          0           0          0          0            0
  80     2060      0      0   1.00    1.00          0           24,767   148,599        0            0                0         0         0          0          0           0             0          0           0             0           0          0           0          0          0            0
  81     2061      0      0   1.00    1.00          0           24,778   148,666        0            0                0         0         0          0          0           0             0          0           0             0           0          0           0          0          0            0
  82     2062      0      0   1.00    1.00          0           24,759   148,556        0            0                0         0         0          0          0           0             0          0           0             0           0          0           0          0          0            0
  83     2063      0      0   1.00    1.00          0           24,713   148,281        0            0                0         0         0          0          0           0             0          0           0             0           0          0           0          0          0            0
  84     2064      0      0   1.00    1.00          0           24,642   147,852        0            0                0         0         0          0          0           0             0          0           0             0           0          0           0          0          0            0
  85     2065      0      0   1.00    1.00          0           24,547   147,281        0            0                0         0         0          0          0           0             0          0           0             0           0          0           0          0          0            0
  86     2066      0      0   1.00    1.00          0           24,430   146,577        0            0                0         0         0          0          0           0             0          0           0             0           0          0           0          0          0            0
  87     2067      0      0   1.00    1.00          0           24,986   149,915        0            0                0         0         0          0          0           0             0          0           0             0           0          0           0          0          0            0
  88     2068      0      0   1.00    1.00          0           24,805   148,833        0            0                0         0         0          0          0           0             0          0           0             0           0          0           0          0          0            0
  89     2069      0      0   1.00    1.00          0           24,608   147,651        0            0                0         0         0          0          0           0             0          0           0             0           0          0           0          0          0            0
  90     2070      0      0   1.00    1.00          0           24,396   146,377        0            0                0         0         0          0          0           0             0          0           0             0           0          0           0          0          0            0
Superannuation account

                                             Retirement age                   65 Assumed contribution taxes are pre fees
                                             Accumulation                354,419 Assumed no surcharge when not fully employed
                                                                                 Assumed advisor service fee after taxes

Income                                                        Contribution Limits                             Contributions                                                      Fees                                                 Superannuation account
 Age Year to Contrib- Bring Fract- Income     Income            Con-     Non-con-     Con-       Non-con-       Super      Super    Governm Contribut- Contribut-   Contributi      Fee        Fee         Fee           Fee           Balance   Contribut-    Fees       Earning    Tax on      Balance
     30 June uting Fwd Yr ion        prod                     cessional cessional   cessional    cessional      conts    conts non- ent Co- ion before  ion tax     on net of    charged as charged as   absolute       advisor        begin of     ions                             Earning    end of year
                                    growth                      Limit      Limit    Restricted   Restricted    concess concess       contrib    tax                    tax         % conts      %                       service          year
                                                                                                                                                                                                                                                                                                    20,000
  30     2010      1      0   1.00    1.00     50,000           25,000   150,000        0            0            4,500         0         0      4,500       -675       3,825             0          0              0             0      20,000      3,825            0        947       -102       24,671
  31     2011      1      0   1.00    1.00     50,000           24,149   144,893        0            0            4,500         0         0      4,500       -675       3,825             0          0              0             0      24,671      3,825            0      1,149       -123       29,521
  32     2012      1      0   1.00    1.00     50,000           23,326   139,959        0            0            4,500         0         0      4,500       -675       3,825             0          0              0             0      29,521      3,825            0      1,359       -146       34,559
  33     2013      1      0   1.00    1.00     50,000           22,532   135,193        0            0            4,500         0         0      4,500       -675       3,825             0          0              0             0      34,559      3,825            0      1,577       -169       39,792
  34     2014      1      0   1.00    1.00     50,000           21,765   130,590        0            0            4,500         0         0      4,500       -675       3,825             0          0              0             0      39,792      3,825            0      1,803       -193       45,226
  35     2015      1      0   1.00    1.00     50,000           21,024   126,144        0            0            4,500         0         0      4,500       -675       3,825             0          0              0             0      45,226      3,825            0      2,038       -219       50,870
  36     2016      1      0   1.00    1.00     50,000           24,370   146,218        0            0            4,500         0         0      4,500       -675       3,825             0          0              0             0      50,870      3,825            0      2,282       -245       56,732
  37     2017      1      0   1.00    1.00     50,000           23,540   141,239        0            0            4,500         0         0      4,500       -675       3,825             0          0              0             0      56,732      3,825            0      2,535       -272       62,820
  38     2018      1      0   1.00    1.00     50,000           22,738   136,430        0            0            4,500         0         0      4,500       -675       3,825             0          0              0             0      62,820      3,825            0      2,798       -300       69,143
  39     2019      1      0   1.00    1.00     50,000           21,964   131,785        0            0            4,500         0         0      4,500       -675       3,825             0          0              0             0      69,143      3,825            0      3,071       -329       75,710
  40     2020      1      0   1.00    1.00     50,000           24,752   148,514        0            0            4,500         0         0      4,500       -675       3,825             0          0              0             0      75,710      3,825            0      3,355       -360       82,531
  41     2021      1      0   1.00    1.00     50,000           23,909   143,457        0            0            4,500         0         0      4,500       -675       3,825             0          0              0             0      82,531      3,825            0      3,650       -392       89,614
  42     2022      1      0   1.00    1.00     50,000           23,095   138,572        0            0            4,500         0         0      4,500       -675       3,825             0          0              0             0      89,614      3,825            0      3,956       -424       96,971
  43     2023      1      0   1.00    1.00     50,000           22,309   133,854        0            0            4,500         0         0      4,500       -675       3,825             0          0              0             0      96,971      3,825            0      4,274       -458      104,612
  44     2024      1      0   1.00    1.00     50,000           24,628   147,767        0            0            4,500         0         0      4,500       -675       3,825             0          0              0             0     104,612      3,825            0      4,605       -494      112,548
  45     2025      1      0   1.00    1.00     50,000           23,789   142,736        0            0            4,500         0         0      4,500       -675       3,825             0          0              0             0     112,548      3,825            0      4,948       -531      120,790
  46     2026      1      0   1.00    1.00     50,000           22,979   137,876        0            0            4,500         0         0      4,500       -675       3,825             0          0              0             0     120,790      3,825            0      5,304       -569      129,350
  47     2027      1      0   1.00    1.00     50,000           24,971   149,829        0            0            4,500         0         0      4,500       -675       3,825             0          0              0             0     129,350      3,825            0      5,674       -609      138,241
  48     2028      1      0   1.00    1.00     50,000           24,121   144,727        0            0            4,500         0         0      4,500       -675       3,825             0          0              0             0     138,241      3,825            0      6,058       -650      147,474
  49     2029      1      0   1.00    1.00     50,000           23,300   139,799        0            0            4,500         0         0      4,500       -675       3,825             0          0              0             0     147,474      3,825            0      6,457       -693      157,064
  50     2030      1      0   1.00    1.00     50,000           22,506   135,039        0            0            4,500         0         0      4,500       -675       3,825             0          0              0             0     157,064      3,825            0      6,872       -737      167,024
  51     2031      1      0   1.00    1.00     50,000           24,156   144,934        0            0            4,500         0         0      4,500       -675       3,825             0          0              0             0     167,024      3,825            0      7,302       -783      177,368
  52     2032      1      0   1.00    1.00     50,000           23,333   139,999        0            0            4,500         0         0      4,500       -675       3,825             0          0              0             0     177,368      3,825            0      7,750       -831      188,111
  53     2033      1      0   1.00    1.00     50,000           24,793   148,756        0            0            4,500         0         0      4,500       -675       3,825             0          0              0             0     188,111      3,825            0      8,214       -881      199,269
  54     2034      1      0   1.00    1.00     50,000           23,948   143,691        0            0            4,500         0         0      4,500       -675       3,825             0          0              0             0     199,269      3,825            0      8,696       -933      210,858
  55     2035      1      0   1.00    1.00     50,000           23,133   138,798        0            0            4,500         0         0      4,500       -675       3,825             0          0              0             0     210,858      3,825            0      9,197       -987      222,893
  56     2036      1      0   1.00    1.00     50,000           24,377   146,260        0            0            4,500         0         0      4,500       -675       3,825             0          0              0             0     222,893      3,825            0      9,718     -1,042      235,394
  57     2037      1      0   1.00    1.00     50,000           23,547   141,280        0            0            4,500         0         0      4,500       -675       3,825             0          0              0             0     235,394      3,825            0     10,258     -1,100      248,376
  58     2038      1      0   1.00    1.00     50,000           24,640   147,842        0            0            4,500         0         0      4,500       -675       3,825             0          0              0             0     248,376      3,825            0     10,819     -1,160      261,860
  59     2039      1      0   1.00    1.00     50,000           23,801   142,808        0            0            4,500         0         0      4,500       -675       3,825             0          0              0             0     261,860      3,825            0     11,402     -1,223      275,864
  60     2040      1      0   1.00    1.00     50,000           24,759   148,557        0            0            4,500         0         0      4,500       -675       3,825             0          0              0             0     275,864      3,825            0     12,007     -1,288      290,408
  61     2041      1      0   1.00    1.00     50,000           23,916   143,498        0            0            4,500         0         0      4,500       -675       3,825             0          0              0             0     290,408      3,825            0     12,636     -1,355      305,514
  62     2042      1      0   1.00    1.00     50,000           24,752   148,513        0            0            4,500         0         0      4,500       -675       3,825             0          0              0             0     305,514      3,825            0     13,289     -1,425      321,202
  63     2043      1      0   1.00    1.00     50,000           23,909   143,456        0            0            4,500         0         0      4,500       -675       3,825             0          0              0             0     321,202      3,825            0     13,967     -1,498      337,496
  64     2044      1      0   1.00    1.00     50,000           24,635   147,810        0            0            4,500         0         0      4,500       -675       3,825             0          0              0             0     337,496      3,825            0     14,671     -1,574      354,419
  65     2045      0      0   1.00    1.00          0           23,796   142,777        0            0                0         0         0          0          0           0             0          0              0             0           0          0            0          0          0            0
  66     2046      0      0   1.00    1.00          0           24,423   146,535        0            0                0         0         0          0          0           0             0          0              0             0           0          0            0          0          0            0
  67     2047      0      0   1.00    1.00          0           24,979   149,872        0            0                0         0         0          0          0           0             0          0              0             0           0          0            0          0          0            0
  68     2048      0      0   1.00    1.00          0           24,128   144,769        0            0                0         0         0          0          0           0             0          0              0             0           0          0            0          0          0            0
  69     2049      0      0   1.00    1.00          0           24,601   147,608        0            0                0         0         0          0          0           0             0          0              0             0           0          0            0          0          0            0
  70     2050      0      0   1.00    1.00          0           23,764   142,582        0            0                0         0         0          0          0           0             0          0              0             0           0          0            0          0          0            0
  71     2051      0      0   1.00    1.00          0           24,163   144,976        0            0                0         0         0          0          0           0             0          0              0             0           0          0            0          0          0            0
  72     2052      0      0   1.00    1.00          0           24,507   147,042        0            0                0         0         0          0          0           0             0          0              0             0           0          0            0          0          0            0
  73     2053      0      0   1.00    1.00          0           24,800   148,799        0            0                0         0         0          0          0           0             0          0              0             0           0          0            0          0          0            0
  74     2054      0      0   1.00    1.00          0           23,955   143,732        0            0                0         0         0          0          0           0             0          0              0             0           0          0            0          0          0            0
  75     2055      0      0   1.00    1.00          0           24,191   145,149        0            0                0         0         0          0          0           0             0          0              0             0           0          0            0          0          0            0
  76     2056      0      0   1.00    1.00          0           24,384   146,302        0            0                0         0         0          0          0           0             0          0              0             0           0          0            0          0          0            0
  77     2057      0      0   1.00    1.00          0           24,535   147,209        0            0                0         0         0          0          0           0             0          0              0             0           0          0            0          0          0            0
  78     2058      0      0   1.00    1.00          0           24,647   147,885        0            0                0         0         0          0          0           0             0          0              0             0           0          0            0          0          0            0
  79     2059      0      0   1.00    1.00          0           24,724   148,343        0            0                0         0         0          0          0           0             0          0              0             0           0          0            0          0          0            0
  80     2060      0      0   1.00    1.00          0           24,767   148,599        0            0                0         0         0          0          0           0             0          0              0             0           0          0            0          0          0            0
  81     2061      0      0   1.00    1.00          0           24,778   148,666        0            0                0         0         0          0          0           0             0          0              0             0           0          0            0          0          0            0
  82     2062      0      0   1.00    1.00          0           24,759   148,556        0            0                0         0         0          0          0           0             0          0              0             0           0          0            0          0          0            0
  83     2063      0      0   1.00    1.00          0           24,713   148,281        0            0                0         0         0          0          0           0             0          0              0             0           0          0            0          0          0            0
  84     2064      0      0   1.00    1.00          0           24,642   147,852        0            0                0         0         0          0          0           0             0          0              0             0           0          0            0          0          0            0
  85     2065      0      0   1.00    1.00          0           24,547   147,281        0            0                0         0         0          0          0           0             0          0              0             0           0          0            0          0          0            0
  86     2066      0      0   1.00    1.00          0           24,430   146,577        0            0                0         0         0          0          0           0             0          0              0             0           0          0            0          0          0            0
  87     2067      0      0   1.00    1.00          0           24,986   149,915        0            0                0         0         0          0          0           0             0          0              0             0           0          0            0          0          0            0
  88     2068      0      0   1.00    1.00          0           24,805   148,833        0            0                0         0         0          0          0           0             0          0              0             0           0          0            0          0          0            0
  89     2069      0      0   1.00    1.00          0           24,608   147,651        0            0                0         0         0          0          0           0             0          0              0             0           0          0            0          0          0            0
  90     2070      0      0   1.00    1.00          0           24,396   146,377        0            0                0         0         0          0          0           0             0          0              0             0           0          0            0          0          0            0

								
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