Investment Objectives

No matter what your financial objectives may be, the foundations to building wealth are to invest often and early and use compounding returns to your advantage.

Use the calculator below to work out the returns you could potentially earn when you make regular investment contributions. You can also compare the potential impact if you decide to gear your investment with a 50% margin loan.

Initial Cash Investment Regular Cash Contribution Contribution Frequency  Monthly Fortnightly Weekly Investment Period  5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 years Investment Return Period*  20 19 18 17 16 15 14 13 12 11 10 9 8 7 6 5 Custom years Investment Return*:

Assumptions:

• Minimum initial investment is $25,000 with 50% gearing, or $50,000 without gearing.
• Minimum contribution is $250 monthly, $125 fortnightly, or $62.50 weekly.
• Contributions are geared at 50% if a Margin Loan is taken out, so a $250 contribution with gearing will be $500 in total.
• Loan interest rate is 10.10%pa. Loan is compounded daily, but charged monthly.
• Product fees are set at 1%pa.
• All investment returns are calculated pre-tax.
• Returns are net of 1% management fee, other fees may be charged under the PDS, these have not been taken into account.

Non-gearing projection not shown on graph until minimum of $50,000 initial contribution reached.

IMPORTANT: The information in this calculator has been prepared without taking into account your investment objectives, financial situation or needs. Any general advice it may contain is provided by InvestSMART Financial Services Pty Ltd (View our Financial Services Guide). Before making a decision relating to InvestSMART Market Leaders, you should consider if this information is appropriate for you, read the product disclosure statement and consider getting advice from a licensed financial adviser. InvestSMART Financial Services Pty Ltd makes no recommendations as to the merits or accuracy of this calculator and it should not be relied upon in making any investment decisions.

While borrowing to invest can magnify profits, it also has the potential to magnify losses. You should consider your personal situation and your appetite for risk before gearing through a margin loan.

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