Educational purpose only
The Proactive Wealth Toolkit provides general educational estimates and informational tools based solely on information and assumptions entered by the user. It is not financial, investment, pension, tax or legal advice, and it is not a substitute for advice from a qualified, licensed professional.
No prediction or guarantee
The results do not predict future investment returns or guarantee that any retirement target will be reached. Actual outcomes may differ materially because of market performance, inflation, fees, taxes, contribution changes, withdrawals, personal circumstances and other factors.
Illustrative risk labels
The Low, Moderate and High labels describe broad required-return bands selected for educational presentation. They do not measure the user's risk tolerance, identify a suitable portfolio or recommend any investment product or strategy.
Planning assumptions
The calculator uses assumptions including the 4% withdrawal guideline, constant average returns, monthly compounding and annually inflation-indexed contributions. These simplified assumptions may not be appropriate for every user or market.
User responsibility
Users are responsible for checking their inputs, reviewing the assumptions and obtaining professional advice before making financial decisions. Do not buy, sell or change an investment or pension arrangement solely because of a result shown by this calculator.
Privacy
The current version performs calculations locally in the browser and does not intentionally transmit or store the values entered into the calculator. This statement must be reviewed if analytics, advertising, embedded media, contact forms or other third-party services are added.
Availability and changes
The toolkit may contain errors or become temporarily unavailable. Its assumptions, calculations, available tools and these terms may be changed as the project develops.