Educational tools

Turn assumptions into visible numbers.

These tools are for learning only. They do not predict returns, recommend products or consider your personal circumstances.

Compound growth estimator

Estimate how an initial amount and regular contributions could grow under an assumed annual return. This is a simplified education model.

Initial amount (AUD) Monthly contribution (AUD) Assumed annual return (%) Time frame (years)

Estimated future value

$0 This excludes tax, inflation, transaction costs and product-specific fees.

Fee impact quick check

See how annual fees can reduce a simplified portfolio value over time. Fees are not bad by default; the question is whether value received justifies the cost.

Starting balance (AUD) Gross annual return (%) Annual fee (%) Years

Estimated fee drag

$0 Difference between gross return and return after the selected annual fee.

Diversification checklist

Asset exposure

Are you relying on one asset class, one company, one sector or one economic outcome?

Liquidity

How quickly could the investment be sold, and what discount might be required in stressed markets?

Income reliability

Is income contractual, variable, discretionary or linked to business profits and market cycles?

Currency

Does the investment create Australian dollar exposure, foreign currency exposure, or both?

Time horizon

Does the expected holding period match the risk and liquidity profile of the asset?

Behaviour

Can you stick with the plan during volatility, or would a large drawdown force a poor decision?