Disclaimer

The Inertia platform is a diagnostic tool intended to provide an overview of your current financial situation and illustrate how your current investment strategy and financial decisions may affect your retirement outlook. It uses automated modelling based on the information and assumptions provided by you (the client) and your financial advisor.

This tool is for informational purposes only and does not constitute financial, investment, legal, accounting, or tax advice. It includes hypothetical projections, illustrations, and strategies based on user-defined inputs such as inflation rates, growth rates, retirement ages, and other financial planning variables. The system may include estimates of tax payable on retirement lump sum withdrawals (commutations). These calculations are based on current South African retirement lump sum tax tables, which are subject to change at any time due to amendments in tax legislation. As such, the actual tax payable at the time of retirement may differ from the estimates shown. In addition, the projected income required in retirement reflects gross monthly income before tax. Since future personal income tax rates are uncertain, no tax is deducted from this amount in the calculations. These assumptions may not reflect actual future conditions. Past performance is not indicative of future results, and actual outcomes may differ materially from those shown.

This tool does not constitute advice as defined in the Financial Advisory and Intermediary Services (FAIS) Act of South Africa. Neither Inertia Ventures (Pty) Ltd (Inertia) nor this tool is registered as a Financial Services Provider (FSP), and the contents generated by the tool must not be interpreted as a financial product recommendation or personal advice. Neither Inertia, the developers of this tool, nor your financial advisor shall be held liable for any direct or indirect loss arising from the use of, or reliance upon, this tool or its contents. You are solely responsible for the accuracy and completeness of the data you provide. Errors or omissions in your inputs may result in incorrect or misleading outputs. You should consult with a licensed financial advisor, tax professional, or legal representative before making any financial decisions.

The term "plan" or "planning," when used within this tool, does not imply that a recommendation has been made to implement one or more financial plans or make a particular investment. This tool does not assess your financial needs, objectives, or risk profile and should not be used as the sole basis for any financial decision-making. This tool is not designed as a substitute for your own judgement, nor is it meant to eliminate the necessity of your personal review and analysis. We recommend reviewing your financial strategies at least annually, or more frequently if your personal or financial circumstances change. If you find discrepancies in this tool, please contact your financial advisor.

Additionally, the information shown may not reflect all holdings or transactions, their costs, or proceeds received by you. Amounts indicated are obtained from sources we consider reliable but are not guaranteed. The presentation of investment returns set forth does not reflect the deduction of any commissions. Projected valuations and/or rates of return may not take into account surrender charges on products you might own. They will reflect any fees or product charges when entered by the advisor/ representative. Deduction of such charges will result in a lower rate of return.

This portfolio review is provided for informational purposes as a service and is intended as a tool to help financial advisors track their client’s retirement plan. Information and security valuations provided herein are based on data you entered into the tool and cannot be guaranteed for accuracy, nor purport to be complete. This tool is intended to complement, but not replace, official account statements, transaction confirmations and other official account records. It is important to compare the information on this tool with the statements you receive from the custodian(s) for your account(s). Please note that there may be variations due to calculation methodologies. If you have any questions, please contact your financial advisor directly.