©Centuria Capital Limited. ABN 79 087 649 054

Administration enquiries: 1800 182 257 or bonds.enquiry@centuriainvestor.com.au

Investment and product enquiries: 1300 50 50 50 or enquiries@centuria.com.au

Calculator information

This Calculator can be used to estimate the future value of your investment. Using this Calculator allows you to see how different asset classes might impact your investment.

Investment Details

The investor’s Marginal Tax Rate is required as the Investment Bond Investment Forecaster Tool calculates the value of investments on an after-tax and fees basis. The Marginal Tax Rates includes the 2% Medicare Levy Surcharge.
Please select your Marginal Tax Rate from the drop down menu below
Marginal Tax Rate is required
 
Initial Investment
Initial Investment amount is required, minimum $500
Term (Select the Term of your investment using the slide bar)?
Note: If you make a withdrawal within the first 10 years of your investment, you will normally pay tax on the amount withdrawn, but you will receive a 30% tax offset (for the tax already paid by the Investment Bond provider).
10 years
10 years
20 years

Regular Investment Plan

You can choose to set up a Regular Investment Plan whereby you can choose to set an amount to be invested at the frequency of your choosing, being Monthly, Quarterly or Annually. Additionally, you can choose to increase your contribution by 5%, 10%, 15%, 20% or 25% per annum based on the total of the prior year’s Regular Investment Plan.

Income Drawdown Plan (starting after 10 or more years)

After a minimum of 10 years of investment, an investor has the option to start an Income Plan whereby the investor can drawdown an amount each period on their investment with no additional tax to pay until their investment reaches zero.

You must select an Investment Term that is greater than the year that you wish to start an Income Drawdown Plan.

Investment Option

Click here for additional information on Investment Options

Investment Option

The Calculator lets you model the outcome of seven different investment options (each with an assumed investment return), or you can select a combination of the different investment options.

OptionGrowth/Defensive split
Cash Enhanced100% defensive
Fixed Interest100% defensive
Balanced50% growth, 50% defensive
Growth70% growth, 30% defensive
Australian Shares100% growth
International Shares100% growth
Property100% growth

For each investment option which has a capital gain component (i.e. investment options which are not 100% defensive), it is assumed that 15% of capital gains are realised each year.

Additionally, the ‘Balanced’, ‘Growth’ and ‘Australian Shares’ investment options are assumed to have franking credits attached to the income return . The default assumption is that 14%, 22% and 75% of income returns of the respective ‘Balanced’, ‘Growth’ and ‘Australian Shares’ investment options would be subject to franking credits.

For a chosen portfolio which contains multiple investment options, it is assumed that the portfolio would be rebalanced every year such that the proportions between each investment option remain constant throughout the life of the investment.

The default assumed investment returns have been set based on simulations from Mercer’s Capital Market Simulator and as a result are considered reasonable long-term estimates at the current date. The default returns are illustrative only and should not be taken to provide an estimate of the amount of investment earnings you will receive.

The rate of investment return is assumed to remain constant over the projection period.

If you have a short investment time horizon (for example less than 10 years) the assumed rates may not be appropriate.

Select your desired Investment Option or use the custom weighting to use a combination of Investment Options from the drop-down menu below
Investment Option is required
 
The default assumed investment returns have been set based on simulations from Mercer's Capital Market Simulator and as a result are considered reasonable long-term estimates at the current date. The default returns are illustrative only and should not be taken to provide an estimate of the amount of investment earnings you will receive.
  (If you would like to use your own return assumption untick the box.)

Total Return: 0.00%
Income Return: 0.00%
Growth Return: 0.00%

Inflation Rate (CPI)

Click here for to learn more about how inflation can affect the future value of your investment

Today's Dollars/Inflation

By choosing to select an inflation rate, this Calculator will give you an estimate of the future value of your investments in today’s dollar values. Showing results in today’s dollars allows you to consider the future value of your investments in the context of today’s goods and services. That is, the value of a dollar today will generally be worth less in the future due to inflation.

The today’s dollar amounts have been calculated by deflating future dollar amounts using a default inflation rate of 2.5% per annum. This default rate is set by ASIC based on the midpoint of the Reserve Bank of Australia’s target range for inflation. The actual rate of inflation may differ significantly from this assumption and, if inflation is more or less than the assumed rate of inflation, the outcome at the end of the selected period could be affected.

Should you select to show results in today’s dollars, the withdrawal amount selected will be inflated so as the future amount of withdrawal is of a comparable value chose to withdraw.

 

The default rate of inflation set by ASIC is 2.5% based on the mid point of the Reserve Bank of Australia’s target rate of inflation. The actual rate of inflation may differ significantly from 2.5% and financial outcome at the end of the selected period could be affected.

Investment Bond Investment Value

*Forecasts are calculated after fees and tax based on the investor's marginal tax rate

Click here for additional information on Tax and Fees

Tax

Unless otherwise stated the calculations are based on the Australian taxation legislation and rules at 1 July 2019. In particular,

The Calculator allows for: All investment earnings in the investment bond (including realised capital gains) are taxed at 30%.

Investment income is taxed at the time it is earned, and capital gains are taxed at the time the gains are realised. The default assumption is that 15% of capital gains are realised each year -The Calculator allows for the impact of imputation credits.

Fees

The Calculator allows for total fees (including investment and administration fees) according to the default assumptions below. The Calculator deducts these amounts from the investment return shown prior to calculating earnings and tax for each year. The fees shown below are the gross fees, before allowance for any tax benefit.

The default fees have been determined by reference to the fees charged for “passive” investment options for each type of product, which is consistent with the approach used to determine the default returns. They have been reviewed by Centuria’s actuary and are considered reasonable for use in the Calculator.

OptionTotal Fees (Before Tax)
Investment Bond
Cash Enhanced0.97%
Fixed Interest1.10%
Balanced1.14%
Growth1.14%
Australian Shares1.04%
International Shares1.04%
Property1.09%

Please click the below to open a summary of the results.

Please input the required information in the red fields above.

Invest today

You are one step closer to securing your future. Download the Centuria LifeGoals PDS to start investing today.

You can apply online for a simple and easy application process, or Contact Us for any investment, product or administrative enquiries.

Request a PDS