All graphs are for illustrative purposes to give you an idea of possible outcomes based on the values you have provided and projected market performance. The values displayed in the shaded areas indicate your final value of capital invested based on three scenarios of market performance. We also assume the rate of inflation:

• SA inflation rate: 5% p.a.
• Good market performance: 10% p.a. (5% after inflation)
• Moderate market performance: 8% p.a. (3% after inflation)
• Poor market performance: 6% p.a. (1% after inflation)

South African inflation rate: 5% p.a.

We have selected a rate of inflation in line with the SA inflation target band of 3%-6%. This is important because inflation is an indication of the yearly increase in the cost of living, and erodes the buying power of your money over time. This means that your savings must grow faster than inflation in order to maintain your desired standard of living. An investment return in excess of inflation is called a ‘real return’, because it refers to the actual buying power of your cash.

Estimated growth rate of your savings: 6% - 10% p.a.

The return on your investment will ultimately depend on the spread of assets you invest in. We have assumed a lower growth rate of 6% p.a., a moderate rate of 8%, and a higher growth rate of 10% p.a. for illustrative purposes. You could potentially earn a higher or lower return from your actual investments. We consider this range as prudent, given that this model works with estimated figures and as tax and product charges are not taken into account. Note that our assumed real return is in line with long term return expectations.

Assumed life expectancy: 85 years

People are living for longer than ever, this means you need to plan for a longer retirement. We have assumed a life expectancy of 85 years, which means that if you retire at the current retirement age of 55 years, you need to plan to have enough retirement capital to invest in order to draw an income that will last you 30 years of living without working. Your own family history should also be taken into account – you may have to plan to spend even longer in retirement.

Our calculators do not take the following into account:

• Product charges, tax obligations and investment fees. Please speak to a qualified financial intermediary (adviser or broker) for more information on this subject.
• Advantages or limitations of specific investment products.

Product assumptions:

While Old Mutual Unit Trusts offer retirement planning and retirement income products, there are other products that may meet your retirement planning needs. Please consult a financial intermediary, as your own scenario may be different to what has been outlined in this tool.

This tool is a simulation only, and not based on any specific product.

This tool is for illustration purposes only, to give you an idea of possible outcomes based on simplified values. Therefore is not indicative of the actual or potential behaviour of any specific retirement or investment product.

All graphs are for illustrative purposes to give you an idea of possible outcomes based on the values you have provided and projected market performance. The values displayed in the shaded areas indicate your final value of capital invested based on three scenarios of market performance. We also assume the rate of inflation:

• SA inflation rate: 5% p.a.
• Education inflation rate: 9% p.a.
• Good market performance: 10% p.a. (5% after inflation)
• Moderate market performance: 8% p.a. (3% after inflation)
• Poor market performance: 6% p.a. (1% after inflation)

South African inflation rate: 5% p.a.

We have selected a rate of inflation in line with the SA inflation target band of 3%-6%. This is important because inflation is an indication of the yearly increase in the cost of living, and erodes the buying power of your money over time. This means that your savings must grow faster than inflation in order to maintain your desired standard of living. An investment return in excess of inflation is called a ‘real return’, because it refers to the actual buying power of your cash.

Estimated growth rate of your savings: 6% - 10% p.a.

The return on your investment will ultimately depend on the spread of assets you invest in. We have assumed a lower growth rate of 6% p.a., a moderate rate of 8%, and a higher growth rate of 10% p.a. for illustrative purposes. You could potentially earn a higher or lower return from your actual investments. We consider this range as prudent, given that this model works with estimated figures and as tax and product charges are not taken into account. Note that our assumed real return is in line with long term return expectations.

Education fee increases per year: 9% p.a.

Most institutions have increased fees above the rate of inflation as government funding has been reduced over the last few years. Therefore we have assumed an inflation rate above the general rate of inflation, for educational institutions.

Our calculators do not take the following into account:

• Product charges, tax obligations and investment fees. Please speak to a qualified financial intermediary (adviser or broker) for more information on this subject.
• Advantages or limitations of specific investment products.

This tool is a simulation only, and not based on any specific product.

This tool is for illustration purposes only, to give you an idea of possible outcomes based on simplified values. Therefore is not indicative of the actual or potential behaviour of any specific retirement or investment product.

All graphs are for illustrative purposes to give you an idea of possible outcomes based on the values you have provided and projected market performance. The values displayed in the shaded areas indicate your final value of capital invested based on three scenarios of market performance. We also assume the rate of inflation:

• SA inflation rate: 5% p.a.
• Good market performance: 10% p.a. (5% after inflation)
• Moderate market performance: 8% p.a. (3% after inflation)
• Poor market performance: 6% p.a. (1% after inflation)

South African inflation rate: 5% p.a.

We have selected a rate of inflation in line with the SA inflation target band of 3%-6%. This is important because inflation is an indication of the yearly increase in the cost of living, and erodes the buying power of your money over time. This means that your savings must grow faster than inflation in order to maintain your desired standard of living. An investment return in excess of inflation is called a ‘real return’, because it refers to the actual buying power of your cash.

Estimated growth rate of your savings: 6% - 10% p.a.

The return on your investment will ultimately depend on the spread of assets you invest in. We have assumed a lower growth rate of 6% p.a., a moderate rate of 8%, and a higher growth rate of 10% p.a. for illustrative purposes. You could potentially earn a higher or lower return from your actual investments. We consider this range as prudent, given that this model works with estimated figures and as tax and product charges are not taken into account. Note that our assumed real return is in line with long term return expectations.

Our calculators do not take the following into account:

• Product charges, tax obligations and investment fees. Please speak to a qualified financial intermediary (adviser or broker) for more information on this subject.
• Advantages or limitations of specific investment products.

This tool is a simulation only, and not based on any specific product.

This tool is for illustration purposes only, to give you an idea of possible outcomes based on simplified values. Therefore is not indicative of the actual or potential behaviour of any specific retirement or investment product.

The shaded area shows a range of possible values based on your current plan, and the performance of investment markets. The top line shows what the value of your savings could be if you invested during a time of consistently good market performance, the bottom line shows the value if the markets deliver poor performance, and the darker line in the middle indicates a value if the markets perform moderately well. You can mouse over these lines to see their rand amounts. To find out what our market performance assumptions are, click on the ‘Assumptions Made’ button.

If you have fallen short of your target, or simply want to see what could happen if you change an aspect of your plan, use the sliders alongside to alter your answers in order to change the results.

If you are happy with the results, and want to put your plan into action, you can invest right away by selecting ‘Apply Online’, or if you would rather get some good advice before you begin, select ‘Real Time Advice’ for a real-time text conversation, or fill out the Call Me Back form, and one of our qualified advisers will contact you at a time that suits you.

InvestRight is not an advice tool.

InvestRight is an educational tool aimed at highlighting the importance of savings and encouraging personal savings. It does not provide advice on products to be used as a savings mechanism, nor does it provide an indication of product performance or projections of performance.

It provides an estimated savings target and various interactive levers in order to understand the savings requirements that must be met to achieve the estimated target. The tool is based on a number of assumptions, which are carefully explained in the tool. In line with these assumptions, the tool does not take the following factors into consideration:

• Tax implications of investments for investors.
• Investment or product fees (i.e. all estimates are based on gross returns).
• Advantages or limitations relating to specific investment products.
• Volatility in investment returns due to asset mix and time horizons.
• Different inflation rates applicable to various items and time horizons.

While every effort has been made to ensure the accuracy of information contained in this tool, Old Mutual Life Assurance (South Africa) Ltd, Old Mutual Unit Trust Managers Limited, Old Mutual Investment Group (South Africa) (Pty) Limited, its associated companies, its directors and employees provide no representation or warranty, express or implied, regarding the accuracy, completeness or correctness of information contained in this tool. Consequently, none of the aforementioned parties shall be liable for any direct or indirect loss, damages or costs as a result of your using the tool.

Unit trusts are generally medium- to long-term investments. Past performance is no indication of future performance. Shorter term fluctuations can occur as your investment moves in line with the markets. Fluctuations or movements in exchange rates may cause the value of underlying international investments to go up or down. Unit trusts can engage in borrowing and scrip lending. The fund’s TER reflects the percentage of the average Net Asset Value of the portfolio that was incurred as charges, levies and fees related to the management of the portfolio. A higher TER does not necessarily imply a poor return, nor does a low TER imply a good return. The current TER cannot be regarded as an indication of future TERs. A schedule of fees, charges and maximum commissions is available from Old Mutual Unit Trust Managers Ltd (OMUT). You may sell your investment at the ruling price of the day (calculated at 15h00 on a forward pricing basis and 17h00 at month-end for Old Mutual RAFI® 40 Tracker Fund, Old Mutual Top 40 Fund and SYm|mETRY Equity Fund of Funds). The Old Mutual Money Market Fund unit price aims to be static but investment capital is not guaranteed. The total return is primarily made up of interest (declared daily at 13h00), but may also include any gain/loss on any particular instrument. In most cases this will merely have the effect of increasing or decreasing the daily yield, but in an extreme case it can have the effect of reducing the capital value of the fund. Specialist equity funds may hold a greater risk as exposure limits to a single security may be higher. A feeder fund is a portfolio that, apart from assets in liquid form, consists solely of participatory interests in a single portfolio of a collective investment scheme. A fund of funds unit trust invests only in other collective investment schemes, which may levy their own charges. Certain funds may be capped to be managed in accordance with their mandates. Different classes of units apply to these portfolios and are subject to different fees and charges. Old Mutual Unit Trust Managers Ltd is a member of the Association for Savings and Investment South Africa (ASISA).

This is not an advice tool.

This Tool gives you some insight into what type of investor you are. It is not sufficiently comprehensive to qualify as investment advice and you should consult your Old Mutual Personal Financial Adviser or broker for more information.

While every effort has been made to ensure the accuracy of information contained in this tool, Old Mutual Life Assurance (South Africa) Ltd, Old Mutual Unit Trust Managers Limited, Old Mutual Investment Group (South Africa) (Pty) Limited, its associated companies, its directors and employees provide no representation or warranty, express or implied, regarding the accuracy, completeness or correctness of information contained in this tool. Consequently, none of the aforementioned parties shall be liable for any direct or indirect loss, damages or costs as a result of your using the tool.

Unit trusts are generally medium- to long-term investments. Past performance is no indication of future performance. Shorter term fluctuations can occur as your investment moves in line with the markets. Fluctuations or movements in exchange rates may cause the value of underlying international investments to go up or down. Unit trusts can engage in borrowing and scrip lending. The fund’s TER reflects the percentage of the average Net Asset Value of the portfolio that was incurred as charges, levies and fees related to the management of the portfolio. A higher TER does not necessarily imply a poor return, nor does a low TER imply a good return. The current TER cannot be regarded as an indication of future TERs. A schedule of fees, charges and maximum commissions is available from Old Mutual Unit Trust Managers Ltd (OMUT). You may sell your investment at the ruling price of the day (calculated at 15h00 on a forward pricing basis and 17h00 at month-end for Old Mutual RAFI® 40 Tracker Fund, Old Mutual Top 40 Fund and SYm|mETRY Equity Fund of Funds). The Old Mutual Money Market Fund unit price aims to be static but investment capital is not guaranteed. The total return is primarily made up of interest (declared daily at 13h00), but may also include any gain/loss on any particular instrument. In most cases this will merely have the effect of increasing or decreasing the daily yield, but in an extreme case it can have the effect of reducing the capital value of the fund. Specialist equity funds may hold a greater risk as exposure limits to a single security may be higher. A feeder fund is a portfolio that, apart from assets in liquid form, consists solely of participatory interests in a single portfolio of a collective investment scheme. A fund of funds unit trust invests only in other collective investment schemes, which may levy their own charges. Certain funds may be capped to be managed in accordance with their mandates. Different classes of units apply to these portfolios and are subject to different fees and charges.

The portfolio performance is calculated on a NAV-NAV basis and does not take any initial fees into account. Income is reinvested on the ex-dividend date. Actual investment performance will differ based on the initial fees applicable, the actual investment date and the date of reinvestment of income. Past performance is not necessarily an indication of future performance.

Old Mutual Unit Trust Managers Ltd is a member of the Association for Savings and Investment South Africa (ASISA).