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Savings Calculator

Do you know how much your money could be worth when you need it? Realize the power of long-term saving with our calculator. Enter the amount, a hypothetical rate of return and the number of years you plan to save.







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Your potential investment return

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Important Information:

This calculator is for illustrative purposes only and does not reflect the performance of any specific investment. It does not take into effect the deduction of any fees or taxes. There is no guarantee that the rate of return selected can actually be achieved. Investments offering the potential for higher rates of return also involve a higher degree of risk.


Are you on track? Whatever your result, knowing where you stand today and whether you need to adjust your strategy (or priorities) are the first steps toward achieving your financial goals. Your financial advisor can work with you to build your strategy and help answer questions such as:

  • What's my comfort level with risk? How does that affect my investment choices?
  • If I take a more or less aggressive approach, how might this impact my return?
  • What are the tax implications I need to think about?

Contact your local financial advisor to discuss what steps you can take today to get you on a path toward success in the future.

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Consider the full range of international product reviews here:


Lump Sum Savings & Investments Reviews

CompanyProduct NameReview RatingReviewCompare Products
Interactive BrokersRead reviewCompare
Novia GlobalRead reviewCompare
Nedbank Private WealthRead reviewCompare
Platform One Lump SumRead reviewCompare
RL360 PIMSRead reviewCompare
Old Mutual International Executive BondRead reviewCompare
Prudential International Investment BondRead reviewCompare
FPI Reserve BondRead reviewCompare
Generali Personal Portfolio BondRead reviewCompare
Hansard Capital Investment BondRead reviewCompare
Investors TrustRead reviewCompare
STM Portfolio BondRead reviewCompare

Fund fees can wipe thousands off your investment – but there is rarely any need to pay full charges, and you can plan for much less. You can avoid high charges so easily by using EME. You can get advice if you want it, or you can conduct execution only with reduced costs. You choose!

Below are two examples showing the difference between reduced initial fees and the full commission on identical performance for £50,000 and £200,000 lump sum contributions over 2 years.

You will now know the difference when your salesman / adviser is trying to sell you the higher commission version! …and why you should come to us.


Example 1

£50,000 Lump sum invested in a Bond over 2 years
30%
EME Option Surrender Value at 9% Growth = £53,059
45%
Other IFA Surrender Value at 9% Growth = £50,102
30%

Total benefit of EME to you = £2,957


Example 2

£200,000 Lump sum invested in a Bond over 2 years
60%
EME Option Surrender Value at 9% Growth = £214,370
95%
Other IFA Surrender Value at 9% Growth = £202,100
60%

Total benefit of EME to you = £12,270



Regular Premium Savings & Investments Reviews

CompanyProduct NameReview RatingReviewCompare Products
Interactive BrokersRead reviewCompare
Platform One Hallmark SavingsRead reviewCompare
Old Mutual International EWARead reviewCompare
RL360 Quantum Savings PlanRead reviewCompare
Generali Vision PlanRead reviewCompare
Old Mutual International MCARead reviewCompare
FPI Premier AdvanceRead reviewCompare
Zurich Vista Savings PlanRead reviewCompare
Hansard Vantage Platinum IIRead reviewCompare

Regular fees (and the bid / offer spreads on funds which do NOT get included in illustrations) can wipe your investment out in the first few years– but there is rarely any need to pay full charges, and you can plan for much less. You can avoid high charges so easily by using EME. You can get advice if you want it, or you can conduct execution only with reduced costs. You choose!

Look at our examples of the extra return, that you can make from your savings with identical contributions (same assumed growth rate) between ourselves and an independent ‘salesman’.

The examples below are for £500 and £1,000 per month contributions.

The Salesman example is a typical ’25 Year Term’ and has a two year ‘Initial Period’ this means that all contributions made in the first two years will go towards the charges of the savings plan. So if your circumstances changed after 23 months and you wanted your money, you would get Nothing back! as all the money paid in has gone towards charges and commission to the “Life Company” and the ‘Salesman’. It is known as A ‘Contractual Plan’.

The EME example has ‘No Term’, this means that you are able to access your money at any time, as there is ‘No Initial Period’ it is known as A ‘Non-Contractual Plan’.


Example 2: £500 per month savings plan over 5 years

£30,000 invested over 5 years
60%
EME Option Surrender Value at 9% Growth = £35,335
80%
Salesman Option Surrender Value at 9% Growth = £22,190
45%

Total benefit of EME to you = £13,145


Example 4: £1,000 per month savings plan over 5 years

£60,000 invested over 5 years
75%
EME Option Surrender Value at 9% Growth = £70,236
100%
Salesman Option Surrender Value at 9% Growth = £45,116
55%

Total benefit of EME to you = £25,120





  • Charges criteria

    Charges are assessed inclusive of fund fees, capital units, bid/offer spread criteria and third party management fees which are often ignored but are, in effect, compulsory additional costs that essentially must be considered by clients.


    Symbol meaning

    Meets criteria.

    Primary sold version does not meet criteria but additional options are available (which may or may not be at further cost).

    Does not meet criteria.


    Star ratings

    Overall AssessmentA commission-based adviser’s product. Not recommended under any circumstances.

    Overall AssessmentA predominantly commission-based adviser’s product with limited use or appeal.

    Overall AssessmentFor those seeking lock-in target dates (perhaps with guarantees) over 5 years for lump sum, and over 10 years for regular savings.

    Overall AssessmentRecommended for some situations and some people, as it is a more flexible product or investment medium with lower charges.

    Overall AssessmentRecommended for most situations and most people due to transparency and low charges.