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{"sheet":"Sheet1","index":0,"n_rows":37,"n_cols":3,"rows_kept":37,"cut":false,"hidden":false,"merged":[[0,0,0,1],[36,0,36,2],[16,1,17,2],[1,0,1,2],[16,0,17,0],[33,0,33,2],[20,0,22,2]]}
["Use this tool to help you decide to combine your retirement savings in one easy place."]
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["Fill in some details below, to see the value you can add to your retirement savings by combining them. "]
["The value of your other retirement savings that are not currently with Alexforbes: ",1500000]
["Your birth date:","1990-01-01"]
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[null,"Typical Product","Alexforbes retirement savings Product"]
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["Investment Performance",0.1,0.1]
["Total Fee (Admin, advice and investments)",{"$f":"B31","v":2.5000000000000001E-2},{"$f":"C31","v":1.4999999999999999E-2}]
["Net Return investment performance after fees",{"$f":"B9-B10","v":7.5000000000000011E-2},{"$f":"C9-C10","v":8.5000000000000006E-2}]
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["Number of years until your retirement date \nNote: we have estimated this based on your current age and a fund retirement age of 63. If your circumstances are different, you can fill in your own amount.",{"$f":"65-(TODAY()-B5)/365.25","v":31.75975359342916},{"$f":"65-(TODAY()-B5)/365.25","v":31.75975359342916}]
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["Estimated value of your retirement savings that are not currently with Alexforbes at retirement ",{"$f":"-FV(B11,B13,0,B4,0)","v":14914762.579313966},{"$f":"-FV(C11,C13,0,B4,0)","v":20013867.197031368}]
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["The value that you can add to your retirement savings by combining them in one place at Alexforbes and saving on fees",{"$f":"\"You will have R\"&FIXED(ROUND(C15-B15,0),0)&\" more at retirement, an increase of \"&ROUND((C15-B15)/B15,2)*100&\"% just by consolidating your retirement fund and saving 1% of fees per year\"","v":"You will have R5 099 105 more at retirement, an increase of 34% just by consolidating your retirement fund and saving 1% of fees per year"}]
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["Terms and Conditions:"]
["The amounts shown in this tool are only estimates. There are no guarantees. The amounts and explanations are not advice as described in the FAIS Act. A needs and suitability analysis has not been performed. The calculations that are used to provide estimated amounts are based on the personal information you provided and some assumptions. Assumptions are guesses based on experience and mathematical or statistical models. We have made some assumptions  about your future decisions, fees and investment performance. \n\nBy using this tool you agree that you understand these terms and conditions and agree to them. Alexforbes, the retirement fund you belong to, the retirement fund trustees or any of their employees or agents are not responsible for any loss, damages or expenses from using this tool or the amounts provided."]
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["Assumptions we have used to calculate these amounts "]
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["1. Fees: ","Typical Product","Alexforbes retirement savings product"]
["Administration fee per year including VAT",5.0000000000000001E-3,5.0000000000000001E-3]
["Advisor fee per year including VAT",7.4999999999999997E-3,5.0000000000000001E-3]
["Total investment change per year",1.2500000000000001E-2,5.0000000000000001E-3]
["Total fee",{"$f":"SUM(B28:B30)","v":2.5000000000000001E-2},{"$f":"SUM(C28:C30)","v":1.4999999999999999E-2}]
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["2. Investment Performance              10%"]
["3. \tYour future decisions\nThe calculation assumes that you will keep your retirement savings invested for the entire number of years shown above in an Alexforbes retirement savings product\n\nThe amounts shown in the tool are only an example of what might happen if our assumptions turn out to be correct in the future. By using this information you understand and agree that Alexforbes, the retirement fund you belong to, the retirement fund trustees or any of their employees or agents are not responsible for any loss, damages or expenses from using this tool or the amounts provided."]
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["Disclaimer "]
["Disclaimer \nLimitations of this tool: This tool calculates the potential cost saving over the specified time period based on our assumptions. The information should only be used to help you decide if you are interested in combining your retirement savings at Alexforbes. It shows the impact of that fees can have on savings growth based on the information you provided and our assumptions.  The result shown is an estimate of potential value and is not guaranteed in any way. Alexforbes does not guarantee that you will receive this result. The actual cost savings or investment performance may differ from the assumed amounts and your choices and actions will influence the result you experience.. Alexforbes will not be liable for any loss or damage arising from the use of this tool.. "]