Seniors Investment Bond Calculator

Your Investment

The amount you initially contribute towards the bond when it is opened. A minimum initial deposit of $1,000 is required.
The amount of any ongoing contribution to be made after an initial investment (minimum $50 per month per investment option or equivalent amount for the selected frequency).
The frequency of the recurring contributions.

This calculator assumes that the amount of contributions made annually will increase by the same percentage each year. Increasing your contributions can affect the tax outcomes of an investment bond. While you may increase your contributions by more than 25% in practice, this calculator caps annual increases at 25%.

The calculator projects your investment bond balance by applying the chosen percentage increase to the previous year’s contribution (up to 1.25 times) each year for the selected term. This calculation applies only to annual contributions and does not include your initial investment.

0%
Select the length of investment (up to 25 years).
Years
Assuming an annual return of % p.a.
See ‘Assumptions and Methodology’ below.
Projected value after 10 years
$
Total return on investment
$
Total contribution
$

Important Information

This calculator has been prepared for reference purposes only. It provides illustrative estimates of a potential investment balance at the end of the selected investment term, based on the information you enter, including your starting balance, recurring contributions, contribution schedule, and an assumed rate of return. The estimates produced are not forecasts and should not be relied upon as an indication of future performance: actual investment outcomes may differ from the amounts displayed. Please read the important information about assumptions and methodology below.

This is general information only; the calculator does not take into account your objectives, financial situation or needs and is not intended to be relied upon as a basis for making decisions in relation to the Seniors Investment Bond. We recommend you seek professional financial advice and read the Product Disclosure Statement for the Seniors Investment Bond, available on our website before making any such decision.

Assumptions and Methodology

  • The calculator uses a simplified compounding methodology and is not designed to reflect actual market movements or replicate the performance of any specific investment option. The annual rate of return entered is divided by the selected contribution schedule and applied consistently across each calculation period.
  • While a positive average rate of return over the selected investment period is assumed, investment values fluctuate over time and may rise or fall due to market movements, the performance of underlying investment options, distributions, and taxation. The calculator does not consider the impact of inflation over time.
  • Investment returns are assumed to be credited at the same frequency as recurring contributions are made. Actual timing may differ from this assumption.
  • Total contributions and estimated returns are rounded to the nearest cent; differences in rounding between providers may result in minor variations in practice.
  • All months are assumed to be equal in length. Actual variations in the length of calendar months may result in differences between the estimates shown and actual investment outcomes.
  • The calculator does not explicitly allow for the impact of fees, costs, charges, or taxation (which are subject to change over time). Where historical returns for investment options are shown elsewhere, they are presented net of fees and tax. Past performance is not a reliable indicator of future performance.
All investments carry risk, including the risk of loss of capital. Returns are not guaranteed.