Managed Funds Calculator

NOTES:
1. Print and read the 'Managed funds calculator guide' (PDF). 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.
4. Red triangles contain instructions. Select View> Comments or hover over cell to read.
5. You can see and change the assumptions by clicking on the 'Assumptions' tab.
6. Detailed calculations can be found on the 'Workings' & 'Zero fees' tabs.

Are you considering:

●
a new investment?
or
a transfer to a new fund?

Do you want to compare two funds? ✘ 1

Amount to invest
Amount to invest $10,000 High ret
Additional amount you contribute each year $5,000 Low retu
Total years in your fund 20 Default e

What type of fund? Balanced

(This sets assumed investment earning rates)

Fund 1 Fund 2

Fund 1 name Fund 2 name Pasted b

ABC XYZ Post fee

0 Pasted b
$0 Pre fee

Fund 1 investment earnings Fund 2 investment earnings Pre fee

Earning rate after management costs? 0 Default t
Earning rate before management costs 8.00% Earning rate before management costs 8.00%

Fund 1 fees Fund 2 fees

Management cost (% of accumulation) 2.00% Management cost (% of accumulation) 2.00%
Any extra $ per year management fee $0.00 Any extra $ per year management fee $0.00
Contribution fee (% of contributions) 2.00% Contribution fee (% of contributions) 2.00%
Adviser service fee (% of accumulation) 0.00% Adviser service fee (% of accumulation) 0.00%

Restore all fees & earnings to default rates 0

Result in TODAY's dollars for fund 1 Result in TODAY's dollars for fund 2
Your final accumulation before tax $107,000 Your final accumulation before tax $107,000

NOTE: 'Your final accumulation' is an estimate based on limited information and not guaranteed. Don't just rely on the calculator to choose a fund.
Please consider your own circumstances. You might need advice from a licensed advisory business.
 Accumulation Effect of fees Accumulation Effect of fees

$35,000 $35,000

$107,000
$107,000

Accumulation over time

12

Fund
10 1

0
Years

Source: www.moneysmart.gov.au
Assumptions

Expected inflation CPI Rise in community living standards

2.5% 1.0%

Conservative limits
Upper Lower
Long term fund earning Nominal Real Range +/- Nominal Real Nominal
Growth 8.5% 4.8% 3.0% 11.5% 7.7% 5.5%
Balanced 8.0% 4.3% 3.0% 11.0% 7.2% 5.0%
Cap stable 6.0% 2.4% 2.0% 8.0% 4.3% 4.0%
Cash mgt 5.0% 1.4% 1.5% 6.5% 2.9% 3.5%
Other 0.0% -3.4% 6.0% 6.0% 2.4% -6.0%

Default values for fees

Management cost 2.00%
Extra $ per year $0
Contribution fee 2.00%
Adviser service fee 0.00%
 Adjusted
3.5%

s
Lower
Real
1.9%
1.4%
0.5%
0.0%
-9.2%
Workings Fund 1
Opening balance or initial contribution $10,000 Final balance
Less contribution fee $200
Adjusted balance $9,800

Activity variables Contributions Fees

Year Contrib- New On Contributi Absolute ASF Total
uting contributions balance on
1 1 5,000 -246 -100 0 0 -346
2 1 5,000 -358 -100 0 0 -458
3 1 5,000 -478 -100 0 0 -578
4 1 5,000 -604 -100 0 0 -704
5 1 5,000 -737 -100 0 0 -837
6 1 5,000 -879 -100 0 0 -979
7 1 5,000 -1,029 -100 0 0 -1,129
8 1 5,000 -1,188 -100 0 0 -1,288
9 1 5,000 -1,356 -100 0 0 -1,456
10 1 5,000 -1,534 -100 0 0 -1,634
11 1 5,000 -1,723 -100 0 0 -1,823
12 1 5,000 -1,923 -100 0 0 -2,023
13 1 5,000 -2,135 -100 0 0 -2,235
14 1 5,000 -2,359 -100 0 0 -2,459
15 1 5,000 -2,597 -100 0 0 -2,697
16 1 5,000 -2,848 -100 0 0 -2,948
17 1 5,000 -3,115 -100 0 0 -3,215
18 1 5,000 -3,397 -100 0 0 -3,497
19 1 5,000 -3,696 -100 0 0 -3,796
20 1 5,000 -4,013 -100 0 0 -4,113
21 0 0 0 0 0 0 0
22 0 0 0 0 0 0 0
23 0 0 0 0 0 0 0
24 0 0 0 0 0 0 0
25 0 0 0 0 0 0 0
26 0 0 0 0 0 0 0
27 0 0 0 0 0 0 0
28 0 0 0 0 0 0 0
29 0 0 0 0 0 0 0
30 0 0 0 0 0 0 0
31 0 0 0 0 0 0 0
32 0 0 0 0 0 0 0
33 0 0 0 0 0 0 0
34 0 0 0 0 0 0 0
35 0 0 0 0 0 0 0
36 0 0 0 0 0 0 0
37 0 0 0 0 0 0 0
38 0 0 0 0 0 0 0
39 0 0 0 0 0 0 0
40 0 0 0 0 0 0 0
41 0 0 0 0 0 0 0
42 0 0 0 0 0 0 0
43 0 0 0 0 0 0 0
44 0 0 0 0 0 0 0
45 0 0 0 0 0 0 0
46 0 0 0 0 0 0 0
47 0 0 0 0 0 0 0
48 0 0 0 0 0 0 0
49 0 0 0 0 0 0 0
50 0 0 0 0 0 0 0
51 0 0 0 0 0 0 0
52 0 0 0 0 0 0 0
53 0 0 0 0 0 0 0
54 0 0 0 0 0 0 0
55 0 0 0 0 0 0 0
56 0 0 0 0 0 0 0
57 0 0 0 0 0 0 0
58 0 0 0 0 0 0 0
59 0 0 0 0 0 0 0
60 0 0 0 0 0 0 0
61 0 0 0 0 0 0 0
 $107,490

Investment account - current $ Constant $ Cash flow

Open bal Conts Fees Earning Net Close bal Close bal Cash flow

9,800 5,000 -346 970 624 15,424 14,899 -10,000

15,424 5,000 -458 1,416 957 21,381 19,950 -5,000
21,381 5,000 -578 1,887 1,310 27,691 24,958 -5,000
27,691 5,000 -704 2,387 1,683 34,374 29,926 -5,000
34,374 5,000 -837 2,916 2,079 41,453 34,860 -5,000
41,453 5,000 -979 3,477 2,498 48,951 39,764 -5,000
48,951 5,000 -1,129 4,071 2,942 56,893 44,642 -5,000
56,893 5,000 -1,288 4,700 3,412 65,305 49,498 -5,000
65,305 5,000 -1,456 5,366 3,910 74,215 54,336 -5,000
74,215 5,000 -1,634 6,072 4,438 83,653 59,160 -5,000
83,653 5,000 -1,823 6,819 4,996 93,649 63,974 -5,000
93,649 5,000 -2,023 7,611 5,588 104,237 68,783 -5,000
104,237 5,000 -2,235 8,450 6,215 115,452 73,589 -5,000
115,452 5,000 -2,459 9,338 6,879 127,331 78,397 -5,000
127,331 5,000 -2,697 10,279 7,582 139,913 83,211 -5,000
139,913 5,000 -2,948 11,275 8,327 153,240 88,033 -5,000
153,240 5,000 -3,215 12,331 9,116 167,356 92,869 -5,000
167,356 5,000 -3,497 13,449 9,951 182,307 97,721 -5,000
182,307 5,000 -3,796 14,633 10,837 198,144 102,594 -5,000
198,144 5,000 -4,113 15,887 11,774 214,918 107,490 -5,000
0 0 0 0 0 0 0 209,918
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
Cash flow
Workings Fund 2
Opening balance or initial contribution $10,000 Final balance
Less contribution fee $200
Adjusted balance $9,800

Activity variables Contributions Fees

Year Active New On Contributi Absolute ASF Total
contributions balance on
1 1 5,000 -246 -100 0 0 -346
2 1 5,000 -358 -100 0 0 -458
3 1 5,000 -478 -100 0 0 -578
4 1 5,000 -604 -100 0 0 -704
5 1 5,000 -737 -100 0 0 -837
6 1 5,000 -879 -100 0 0 -979
7 1 5,000 -1,029 -100 0 0 -1,129
8 1 5,000 -1,188 -100 0 0 -1,288
9 1 5,000 -1,356 -100 0 0 -1,456
10 1 5,000 -1,534 -100 0 0 -1,634
11 1 5,000 -1,723 -100 0 0 -1,823
12 1 5,000 -1,923 -100 0 0 -2,023
13 1 5,000 -2,135 -100 0 0 -2,235
14 1 5,000 -2,359 -100 0 0 -2,459
15 1 5,000 -2,597 -100 0 0 -2,697
16 1 5,000 -2,848 -100 0 0 -2,948
17 1 5,000 -3,115 -100 0 0 -3,215
18 1 5,000 -3,397 -100 0 0 -3,497
19 1 5,000 -3,696 -100 0 0 -3,796
20 1 5,000 -4,013 -100 0 0 -4,113
21 0 0 0 0 0 0 0
22 0 0 0 0 0 0 0
23 0 0 0 0 0 0 0
24 0 0 0 0 0 0 0
25 0 0 0 0 0 0 0
26 0 0 0 0 0 0 0
27 0 0 0 0 0 0 0
28 0 0 0 0 0 0 0
29 0 0 0 0 0 0 0
30 0 0 0 0 0 0 0
31 0 0 0 0 0 0 0
32 0 0 0 0 0 0 0
33 0 0 0 0 0 0 0
34 0 0 0 0 0 0 0
35 0 0 0 0 0 0 0
36 0 0 0 0 0 0 0
37 0 0 0 0 0 0 0
38 0 0 0 0 0 0 0
39 0 0 0 0 0 0 0
40 0 0 0 0 0 0 0
41 0 0 0 0 0 0 0
42 0 0 0 0 0 0 0
43 0 0 0 0 0 0 0
44 0 0 0 0 0 0 0
45 0 0 0 0 0 0 0
46 0 0 0 0 0 0 0
47 0 0 0 0 0 0 0
48 0 0 0 0 0 0 0
49 0 0 0 0 0 0 0
50 0 0 0 0 0 0 0
51 0 0 0 0 0 0 0
52 0 0 0 0 0 0 0
53 0 0 0 0 0 0 0
54 0 0 0 0 0 0 0
55 0 0 0 0 0 0 0
56 0 0 0 0 0 0 0
57 0 0 0 0 0 0 0
58 0 0 0 0 0 0 0
59 0 0 0 0 0 0 0
60 0 0 0 0 0 0 0
61 0 0 0 0 0 0 0
 $107,490

Investment account - current $ Constant $ Cash flow

Open bal Conts Fees Earning Net Close bal Close bal Cash flow

9,800 5,000 -346 970 624 15,424 14,899 -10,000

15,424 5,000 -458 1,416 957 21,381 19,950 -5,000
21,381 5,000 -578 1,887 1,310 27,691 24,958 -5,000
27,691 5,000 -704 2,387 1,683 34,374 29,926 -5,000
34,374 5,000 -837 2,916 2,079 41,453 34,860 -5,000
41,453 5,000 -979 3,477 2,498 48,951 39,764 -5,000
48,951 5,000 -1,129 4,071 2,942 56,893 44,642 -5,000
56,893 5,000 -1,288 4,700 3,412 65,305 49,498 -5,000
65,305 5,000 -1,456 5,366 3,910 74,215 54,336 -5,000
74,215 5,000 -1,634 6,072 4,438 83,653 59,160 -5,000
83,653 5,000 -1,823 6,819 4,996 93,649 63,974 -5,000
93,649 5,000 -2,023 7,611 5,588 104,237 68,783 -5,000
104,237 5,000 -2,235 8,450 6,215 115,452 73,589 -5,000
115,452 5,000 -2,459 9,338 6,879 127,331 78,397 -5,000
127,331 5,000 -2,697 10,279 7,582 139,913 83,211 -5,000
139,913 5,000 -2,948 11,275 8,327 153,240 88,033 -5,000
153,240 5,000 -3,215 12,331 9,116 167,356 92,869 -5,000
167,356 5,000 -3,497 13,449 9,951 182,307 97,721 -5,000
182,307 5,000 -3,796 14,633 10,837 198,144 102,594 -5,000
198,144 5,000 -4,113 15,887 11,774 214,918 107,490 -5,000
0 0 0 0 0 0 0 209,918
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
Cash flow
Workings - hypothetical zero fee investment
Opening balance or initial contribution $10,000 Final balance
Less contribution fee $0
Adjusted balance $10,000

Activity variables Contributions Fees

Year Active New As % bal As % new Absolute ASF Total
contributions conts
1 1 5,000 0 0 0 0 0
2 1 5,000 0 0 0 0 0
3 1 5,000 0 0 0 0 0
4 1 5,000 0 0 0 0 0
5 1 5,000 0 0 0 0 0
6 1 5,000 0 0 0 0 0
7 1 5,000 0 0 0 0 0
8 1 5,000 0 0 0 0 0
9 1 5,000 0 0 0 0 0
10 1 5,000 0 0 0 0 0
11 1 5,000 0 0 0 0 0
12 1 5,000 0 0 0 0 0
13 1 5,000 0 0 0 0 0
14 1 5,000 0 0 0 0 0
15 1 5,000 0 0 0 0 0
16 1 5,000 0 0 0 0 0
17 1 5,000 0 0 0 0 0
18 1 5,000 0 0 0 0 0
19 1 5,000 0 0 0 0 0
20 1 5,000 0 0 0 0 0
21 0 0 0 0 0 0 0
22 0 0 0 0 0 0 0
23 0 0 0 0 0 0 0
24 0 0 0 0 0 0 0
25 0 0 0 0 0 0 0
26 0 0 0 0 0 0 0
27 0 0 0 0 0 0 0
28 0 0 0 0 0 0 0
29 0 0 0 0 0 0 0
30 0 0 0 0 0 0 0
31 0 0 0 0 0 0 0
32 0 0 0 0 0 0 0
33 0 0 0 0 0 0 0
34 0 0 0 0 0 0 0
35 0 0 0 0 0 0 0
36 0 0 0 0 0 0 0
37 0 0 0 0 0 0 0
38 0 0 0 0 0 0 0
39 0 0 0 0 0 0 0
40 0 0 0 0 0 0 0
41 0 0 0 0 0 0 0
42 0 0 0 0 0 0 0
43 0 0 0 0 0 0 0
44 0 0 0 0 0 0 0
45 0 0 0 0 0 0 0
46 0 0 0 0 0 0 0
47 0 0 0 0 0 0 0
48 0 0 0 0 0 0 0
49 0 0 0 0 0 0 0
50 0 0 0 0 0 0 0
51 0 0 0 0 0 0 0
52 0 0 0 0 0 0 0
53 0 0 0 0 0 0 0
54 0 0 0 0 0 0 0
55 0 0 0 0 0 0 0
56 0 0 0 0 0 0 0
57 0 0 0 0 0 0 0
58 0 0 0 0 0 0 0
59 0 0 0 0 0 0 0
60 0 0 0 0 0 0 0
61 0 0 0 0 0 0 0
 $142,327

Investment account - current $ Constant $ Cash flow

Open bal Conts Fees Earning Net Close bal Close bal Cash flow

10,000 5,000 0 1,000 1,000 16,000 15,455 -10,000

16,000 5,000 0 1,480 1,480 22,480 20,975 -5,000
22,480 5,000 0 1,998 1,998 29,478 26,569 -5,000
29,478 5,000 0 2,558 2,558 37,037 32,244 -5,000
37,037 5,000 0 3,163 3,163 45,200 38,011 -5,000
45,200 5,000 0 3,816 3,816 54,016 43,878 -5,000
54,016 5,000 0 4,521 4,521 63,537 49,855 -5,000
63,537 5,000 0 5,283 5,283 73,820 55,951 -5,000
73,820 5,000 0 6,106 6,106 84,925 62,177 -5,000
84,925 5,000 0 6,994 6,994 96,919 68,542 -5,000
96,919 5,000 0 7,954 7,954 109,873 75,057 -5,000
109,873 5,000 0 8,990 8,990 123,863 81,733 -5,000
123,863 5,000 0 10,109 10,109 138,972 88,581 -5,000
138,972 5,000 0 11,318 11,318 155,290 95,611 -5,000
155,290 5,000 0 12,623 12,623 172,913 102,837 -5,000
172,913 5,000 0 14,033 14,033 191,946 110,269 -5,000
191,946 5,000 0 15,556 15,556 212,501 117,921 -5,000
212,501 5,000 0 17,200 17,200 234,701 125,806 -5,000
234,701 5,000 0 18,976 18,976 258,678 133,937 -5,000
258,678 5,000 0 20,894 20,894 284,572 142,327 -5,000
0 0 0 0 0 0 0 279,572
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
Cash flow