Select Page
<style><!-- [et_pb_line_break_holder] --> #calcForm p,<!-- [et_pb_line_break_holder] --> ul,<!-- [et_pb_line_break_holder] --> ol {<!-- [et_pb_line_break_holder] --> margin: 0 0 1em 0;<!-- [et_pb_line_break_holder] --> padding: 0;<!-- [et_pb_line_break_holder] --> font-size: 100%;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> #calcForm a:link,<!-- [et_pb_line_break_holder] --> a:visited {<!-- [et_pb_line_break_holder] --> text-decoration: none;<!-- [et_pb_line_break_holder] --> cursor: hand;<!-- [et_pb_line_break_holder] --> cursor: pointer;<!-- [et_pb_line_break_holder] --> color: #0078c1;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> #calcForm a:hover,<!-- [et_pb_line_break_holder] --> a:active a.active {<!-- [et_pb_line_break_holder] --> text-decoration: underline;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> /* Global Tags ------------------------------------------------------------------ */<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> #calcForm form,<!-- [et_pb_line_break_holder] --> fieldset,<!-- [et_pb_line_break_holder] --> legend,<!-- [et_pb_line_break_holder] --> h1,<!-- [et_pb_line_break_holder] --> h2,<!-- [et_pb_line_break_holder] --> h3,<!-- [et_pb_line_break_holder] --> h4,<!-- [et_pb_line_break_holder] --> h5,<!-- [et_pb_line_break_holder] --> h6,<!-- [et_pb_line_break_holder] --> li,<!-- [et_pb_line_break_holder] --> input,<!-- [et_pb_line_break_holder] --> select,<!-- [et_pb_line_break_holder] --> table,<!-- [et_pb_line_break_holder] --> textarea,<!-- [et_pb_line_break_holder] --> object,<!-- [et_pb_line_break_holder] --> p {<!-- [et_pb_line_break_holder] --> margin: 0;<!-- [et_pb_line_break_holder] --> padding-top: 4px;<!-- [et_pb_line_break_holder] --> padding-right: 4px;<!-- [et_pb_line_break_holder] --> padding-bottom: 4px;<!-- [et_pb_line_break_holder] --> padding-left: 4px;<!-- [et_pb_line_break_holder] --> font-family: arial, helvetica, sans-serif;<!-- [et_pb_line_break_holder] --> font-size: 12px;<!-- [et_pb_line_break_holder] --> font-style: normal;<!-- [et_pb_line_break_holder] --> color: #585858;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> #calcForm input,<!-- [et_pb_line_break_holder] --> select,<!-- [et_pb_line_break_holder] --> textarea {<!-- [et_pb_line_break_holder] --> color: #333333;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> #calcForm input[type="text"]:focus {<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> border: 2px solid #007FC2!important;<!-- [et_pb_line_break_holder] --> outline: none;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> #calcForm input,<!-- [et_pb_line_break_holder] --> select,<!-- [et_pb_line_break_holder] --> table,<!-- [et_pb_line_break_holder] --> td,<!-- [et_pb_line_break_holder] --> th,<!-- [et_pb_line_break_holder] --> textarea {<!-- [et_pb_line_break_holder] --> font-size: 100%;<!-- [et_pb_line_break_holder] --> font-style: normal;<!-- [et_pb_line_break_holder] --> color: #666666;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> #calcForm {<!-- [et_pb_line_break_holder] --> font-size: 12px;<!-- [et_pb_line_break_holder] --> text-align: center;<!-- [et_pb_line_break_holder] --> color: #666666;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> #calcForm blockquote {<!-- [et_pb_line_break_holder] --> padding: 0;<!-- [et_pb_line_break_holder] --> margin: 0;<!-- [et_pb_line_break_holder] --> font-size: 130%;<!-- [et_pb_line_break_holder] --> margin-bottom: 1em;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> #calcForm table {<!-- [et_pb_line_break_holder] --> border-collapse: collapse;<!-- [et_pb_line_break_holder] --> margin-bottom: 1.5em;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> #calcForm table.max {<!-- [et_pb_line_break_holder] --> width: 100%;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> #calcForm table td,<!-- [et_pb_line_break_holder] --> #calcForm table th {<!-- [et_pb_line_break_holder] --> padding: 7px 7px 7px 10px;<!-- [et_pb_line_break_holder] --> text-align: left;<!-- [et_pb_line_break_holder] --> font-size: 12px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> #calcForm table thead th {<!-- [et_pb_line_break_holder] --> color: #fff;<!-- [et_pb_line_break_holder] --> font-size: 15px;<!-- [et_pb_line_break_holder] --> text-align: center;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> #calcForm table tbody th {<!-- [et_pb_line_break_holder] --> color: #1180CC;<!-- [et_pb_line_break_holder] --> font-size: 14px;<!-- [et_pb_line_break_holder] --> font-weight: bold;<!-- [et_pb_line_break_holder] --> text-align: center;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> #calcForm blockquote,<!-- [et_pb_line_break_holder] --> #calcForm blockquote a:link,<!-- [et_pb_line_break_holder] --> #calcForm blockquote a:visited {<!-- [et_pb_line_break_holder] --> color: #a05da5;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> #calcForm blockquote a:hover,<!-- [et_pb_line_break_holder] --> #calcForm blockquote a:focus {<!-- [et_pb_line_break_holder] --> color: #6a4981;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> #calcForm table thead th {<!-- [et_pb_line_break_holder] --> background: #2676bb;<!-- [et_pb_line_break_holder] --> background: -moz-linear-gradient(100% 100% 90deg, #06589f, #2676bb);<!-- [et_pb_line_break_holder] --> background: -webkit-gradient(linear, 100% 100%, 185 bottom, from(#06589f), to(#2676bb));<!-- [et_pb_line_break_holder] --> -pie-background: linear-gradient(90deg, #06589f, #2676bb);<!-- [et_pb_line_break_holder] --> border-top: 1px solid #FFF;<!-- [et_pb_line_break_holder] --> color: white;<!-- [et_pb_line_break_holder] --> font-weight: bold;<!-- [et_pb_line_break_holder] --> font-size: 15px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> #calcForm table thead td {<!-- [et_pb_line_break_holder] --> background-color: #E4E4E4;<!-- [et_pb_line_break_holder] --> border-left: #ffffff 1px solid;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> #calcForm table tbody th {<!-- [et_pb_line_break_holder] --> background-color: #FFFFFF;<!-- [et_pb_line_break_holder] --> border-top: #ffffff 1px solid;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> #calcForm table tbody td {<!-- [et_pb_line_break_holder] --> background-color: #f5f3f9;<!-- [et_pb_line_break_holder] --> border-top: #ffffff 1px solid;<!-- [et_pb_line_break_holder] --> border-left: #ffffff 1px solid;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> #calcForm .assumptions tbody td {<!-- [et_pb_line_break_holder] --> background-color: #ffffff;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> #calcForm h2 {<!-- [et_pb_line_break_holder] --> font-size: 192%;<!-- [et_pb_line_break_holder] --> font-weight: normal;<!-- [et_pb_line_break_holder] --> margin-bottom: 10px;<!-- [et_pb_line_break_holder] --> color: #6a4981;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> #calcForm h3 {<!-- [et_pb_line_break_holder] --> font-size: 18px;<!-- [et_pb_line_break_holder] --> font-weight: normal;<!-- [et_pb_line_break_holder] --> padding-top: 10px;<!-- [et_pb_line_break_holder] --> margin-bottom: 10px;<!-- [et_pb_line_break_holder] --> color: #a05da5;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> #calcForm h4 {<!-- [et_pb_line_break_holder] --> font-size: 110%;<!-- [et_pb_line_break_holder] --> font-weight: bold;<!-- [et_pb_line_break_holder] --> margin-bottom: 1em;<!-- [et_pb_line_break_holder] --> padding-top: 5px;<!-- [et_pb_line_break_holder] --> color: #333333;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> #calcForm h5 {<!-- [et_pb_line_break_holder] --> font-size: 100%;<!-- [et_pb_line_break_holder] --> font-weight: bold;<!-- [et_pb_line_break_holder] --> margin-bottom: 0.5em;<!-- [et_pb_line_break_holder] --> color: #666666;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> #calcForm h6 {<!-- [et_pb_line_break_holder] --> font-size: 100%;<!-- [et_pb_line_break_holder] --> font-weight: bold;<!-- [et_pb_line_break_holder] --> margin-bottom: 0.5em;<!-- [et_pb_line_break_holder] --> color: #999999;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> #calcForm p {<!-- [et_pb_line_break_holder] --> line-height: 131%;<!-- [et_pb_line_break_holder] --> margin-bottom: 1em;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --></style><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><script><!-- [et_pb_line_break_holder] --> /* ---------------------------<!-- [et_pb_line_break_holder] -->' (C) Copyright 2012<!-- [et_pb_line_break_holder] -->' Niro Solutions Pty Limited<!-- [et_pb_line_break_holder] -->' ABN 89 106 967 140<!-- [et_pb_line_break_holder] -->' ---------------------------<!-- [et_pb_line_break_holder] -->' Revision: 3.0.0<!-- [et_pb_line_break_holder] -->' Author: George Zhao<!-- [et_pb_line_break_holder] -->' Modtime: 13/03/12<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->' --------------------------- */<!-- [et_pb_line_break_holder] --> var INVESTMENT_RATE = 0.06<!-- [et_pb_line_break_holder] --> var AWOTE_RATE = 0.04<!-- [et_pb_line_break_holder] --> var MAX_INVESTMENT_RATE = 8<!-- [et_pb_line_break_holder] --> var MAX_AWOTE_RATE = 4<!-- [et_pb_line_break_holder] --> var MIN_INVESTMENT_RATE = 3<!-- [et_pb_line_break_holder] --> var MIN_AWOTE_RATE = 2<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> function startInt() {<!-- [et_pb_line_break_holder] --> calcInt = setInterval(calculateIt, 50);<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> function parseUndefinedInt(val) {<!-- [et_pb_line_break_holder] --> var temp;<!-- [et_pb_line_break_holder] --> temp = removeCommasDollars(val.toString());<!-- [et_pb_line_break_holder] --> return (temp == "") ? 0 : parseInt(temp);<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> function calculateIt() {<!-- [et_pb_line_break_holder] --> f = document.forms.calcForm;<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> // long term debts<!-- [et_pb_line_break_holder] --> lineA = parseUndefinedInt(f.mortgage.value) + parseUndefinedInt(f.otherloans.value);<!-- [et_pb_line_break_holder] --> f.lineA.value = (Math.round(lineA * 100)) / 100;<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> // monthly living<!-- [et_pb_line_break_holder] --> lineB = parseUndefinedInt(f.rent.value);<!-- [et_pb_line_break_holder] --> lineB += parseUndefinedInt(f.transport.value);<!-- [et_pb_line_break_holder] --> lineB += parseUndefinedInt(f.home.value);<!-- [et_pb_line_break_holder] --> lineB += parseUndefinedInt(f.entertainment.value);<!-- [et_pb_line_break_holder] --> lineB += parseUndefinedInt(f.food.value);<!-- [et_pb_line_break_holder] --> lineB += parseUndefinedInt(f.school.value);<!-- [et_pb_line_break_holder] --> lineB += parseUndefinedInt(f.clothes.value);<!-- [et_pb_line_break_holder] --> lineB = (Math.round(lineB * 100)) / 100;<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> if (f.yearstocover.value != "" && parseUndefinedInt(f.yearstocover.value) == 0) f.yearstocover.value = 1;<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> f.monthtotal.value = (Math.round(lineB * 100)) / 100;<!-- [et_pb_line_break_holder] --> f.by12.value = lineB * 12;<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> //lineB=f.lineBTot.value=f.by12.value*f.yearstocover.value;<!-- [et_pb_line_break_holder] --> var fle = futureLivingExpenses();<!-- [et_pb_line_break_holder] --> lineE = lineA + fle;<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> Equals = lineE - parseUndefinedInt(f.lineF.value) - parseUndefinedInt(f.lineG.value);<!-- [et_pb_line_break_holder] --> if (Equals == Math.abs(Equals)) {<!-- [et_pb_line_break_holder] --> document.getElementById('EqualsSign').innerHTML = "$"<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> else if (Equals != Math.abs(Equals)) {<!-- [et_pb_line_break_holder] --> document.getElementById('EqualsSign').innerHTML = "-$"<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> document.getElementById('lblmonthtotal').innerHTML = fmoney(f.monthtotal.value, 0);<!-- [et_pb_line_break_holder] --> document.getElementById('lblby12').innerHTML = fmoney(f.by12.value, 0);<!-- [et_pb_line_break_holder] --> document.getElementById('lbllineA').innerHTML = fmoney(f.lineA.value, 0);<!-- [et_pb_line_break_holder] --> document.getElementById('lbllineD').innerHTML = fmoney(fle, 0);<!-- [et_pb_line_break_holder] --> document.getElementById('lbllineE').innerHTML = fmoney(lineE, 0);<!-- [et_pb_line_break_holder] --> document.getElementById('lblEquals').innerHTML = fmoney(Math.abs(Equals), 0);<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> function futureLivingExpenses() {<!-- [et_pb_line_break_holder] --> var f = document.forms.calcForm;<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> INVESTMENT_RATE = getSafeFieldValueDec(f.txtInvReturn) / 100;<!-- [et_pb_line_break_holder] --> AWOTE_RATE = getSafeFieldValueDec(f.txtInflationRate) / 100;<!-- [et_pb_line_break_holder] --> if (INVESTMENT_RATE == AWOTE_RATE) { AWOTE_RATE = AWOTE_RATE - 0.000000000001 }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> var annuityFact1 = Math.pow(((1 + INVESTMENT_RATE) / (1 + AWOTE_RATE)), - getSafeFieldValue(f.yearstocover));<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> annuityFact1 = (1 - annuityFact1)<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> var annuityFact1_2 = Math.log(((1 + INVESTMENT_RATE) / (1 + AWOTE_RATE)));<!-- [et_pb_line_break_holder] --> var annuityFact1_3 = (annuityFact1 / annuityFact1_2)<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> var addExpenses = 0<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> addExpenses = (getSafeFieldValue(f.by12) * annuityFact1_3)<!-- [et_pb_line_break_holder] --> return addExpenses;<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> function intOnly(field) {<!-- [et_pb_line_break_holder] --> if (field != undefined) {<!-- [et_pb_line_break_holder] --> var m_strOut = new String(field.value);<!-- [et_pb_line_break_holder] --> m_strOut = m_strOut.replace(/[^0-9]/g, '');<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> //G if (field.value != m_strOut)<!-- [et_pb_line_break_holder] --> //G {field.value = m_strOut} <!-- [et_pb_line_break_holder] --> if (field.value != m_strOut && m_strOut != "") { field.value = fmoney(m_strOut, 0) }<!-- [et_pb_line_break_holder] --> else if (m_strOut != "") {<!-- [et_pb_line_break_holder] --> field.value = fmoney(field.value, 0)<!-- [et_pb_line_break_holder] --> } else if (m_strOut == "") {<!-- [et_pb_line_break_holder] --> field.value = ""<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> function getSafeFieldValueDec(field) {<!-- [et_pb_line_break_holder] --> var x = 0<!-- [et_pb_line_break_holder] --> if (jsLRTrim(field.value) == "" || isNaN(jsLRTrim(field.value)))<!-- [et_pb_line_break_holder] --> x = 0<!-- [et_pb_line_break_holder] --> else<!-- [et_pb_line_break_holder] --> x = parseFloat(field.value)<!-- [et_pb_line_break_holder] --> return x;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> function getSafeFieldValue(field) {<!-- [et_pb_line_break_holder] --> var x = 0<!-- [et_pb_line_break_holder] --> if (jsLRTrim(field.value) == "" || isNaN(jsLRTrim(field.value)))<!-- [et_pb_line_break_holder] --> x = 0<!-- [et_pb_line_break_holder] --> else<!-- [et_pb_line_break_holder] --> x = parseInt(field.value, 10)<!-- [et_pb_line_break_holder] --> return x;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> function jsLRTrim(s) {<!-- [et_pb_line_break_holder] --> return s.replace(/(^\s+)|(\s+$)/g, "");<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> //G functions format currency<!-- [et_pb_line_break_holder] --> function validtxtInvReturn() {<!-- [et_pb_line_break_holder] --> var f = document.forms.calcForm;<!-- [et_pb_line_break_holder] --> var invReturn = getSafeFieldValueDec(f.txtInvReturn);<!-- [et_pb_line_break_holder] --> if (invReturn > MAX_INVESTMENT_RATE || invReturn < MIN_INVESTMENT_RATE) {<!-- [et_pb_line_break_holder] --> window.alert(" The Net investment return must be between 3% and 8%.");<!-- [et_pb_line_break_holder] --> f.txtInvReturn.focus();<!-- [et_pb_line_break_holder] --> f.txtInvReturn.select()<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> function validtxtInflationRate() {<!-- [et_pb_line_break_holder] --> var f = document.forms.calcForm;<!-- [et_pb_line_break_holder] --> var invReturn = getSafeFieldValueDec(f.txtInflationRate);<!-- [et_pb_line_break_holder] --> if (invReturn > MAX_AWOTE_RATE || invReturn < MIN_AWOTE_RATE) {<!-- [et_pb_line_break_holder] --> window.alert("The Salary inflation rate (AWOTE) must be between 2% and 4%.");<!-- [et_pb_line_break_holder] --> f.txtInflationRate.focus();<!-- [et_pb_line_break_holder] --> f.txtInflationRate.select();<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> function fmoney(s, n) {<!-- [et_pb_line_break_holder] --> var tmp = n;<!-- [et_pb_line_break_holder] --> n = n > 0 && n <= 20 ? n : 2;<!-- [et_pb_line_break_holder] --> s = parseFloat((s + "").replace(/[^\d\.-]/g, "")).toFixed(n) + "";<!-- [et_pb_line_break_holder] --> var l = s.split(".")[0].split("").reverse(),<!-- [et_pb_line_break_holder] --> r = s.split(".")[1];<!-- [et_pb_line_break_holder] --> t = "";<!-- [et_pb_line_break_holder] --> for (i = 0; i < l.length; i++) {<!-- [et_pb_line_break_holder] --> t += l[i] + ((i + 1) % 3 == 0 && (i + 1) != l.length ? "," : "");<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> if (tmp == 0) {<!-- [et_pb_line_break_holder] --> return t.split("").reverse().join("");<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> return t.split("").reverse().join("") + "." + r;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> function removeCommasDollars(strValue) {<!-- [et_pb_line_break_holder] --> var objRegExp = /,|\$/g; //search for commas or $ sign globally<!-- [et_pb_line_break_holder] --> //replace all matches with empty strings<!-- [et_pb_line_break_holder] --> return strValue.replace(objRegExp, '');<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> function limitNoDecimalPlaces2(field, n) {<!-- [et_pb_line_break_holder] --> // this new version will allow non-decimal number of any length<!-- [et_pb_line_break_holder] --> // find if '.' entered<!-- [et_pb_line_break_holder] --> var li = (field.value).indexOf(".")<!-- [et_pb_line_break_holder] --> if (li < 0)<!-- [et_pb_line_break_holder] --> ;<!-- [et_pb_line_break_holder] --> else {<!-- [et_pb_line_break_holder] --> var s1 = (field.value).substring(0, li)<!-- [et_pb_line_break_holder] --> var s2 = ((field.value).substring(li + 1, (field.value).length))<!-- [et_pb_line_break_holder] --> if (s2.length > n)<!-- [et_pb_line_break_holder] --> field.value = s1 + "." + s2.substring(0, n)<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] -->//G<!-- [et_pb_line_break_holder] --></script><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><div id="calcForm" style="text-align:left; margin:auto "><!-- [et_pb_line_break_holder] --> <script language="javascript" type="text/javascript">startInt();</script><!-- [et_pb_line_break_holder] --> <form name="calcForm" action=""><!-- [et_pb_line_break_holder] --> <table class="table-data" width="540"><!-- [et_pb_line_break_holder] --> <thead><!-- [et_pb_line_break_holder] --> <tr><!-- [et_pb_line_break_holder] --> <th colspan="4">Self-assessment insurance needs calculator</th><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> </tr><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <tr><!-- [et_pb_line_break_holder] --> <td width="47%"> </td><!-- [et_pb_line_break_holder] --> <td nowrap="nowrap" width="15%"><!-- [et_pb_line_break_holder] --> <strong>Our example</strong><!-- [et_pb_line_break_holder] --> </td><!-- [et_pb_line_break_holder] --> <td nowrap="nowrap" width="33%"><!-- [et_pb_line_break_holder] --> <strong>Your estimate</strong><!-- [et_pb_line_break_holder] --> </td><!-- [et_pb_line_break_holder] --> <td width="5%"> </td><!-- [et_pb_line_break_holder] --> </tr><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> </thead><!-- [et_pb_line_break_holder] --> <tbody><!-- [et_pb_line_break_holder] --> <tr><!-- [et_pb_line_break_holder] --> <th colspan="4">Loans and debts</th><!-- [et_pb_line_break_holder] --> </tr><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <tr><!-- [et_pb_line_break_holder] --> <td>Mortgage</td><!-- [et_pb_line_break_holder] --> <td>$170,000</td><!-- [et_pb_line_break_holder] --> <td>$ <!-- [et_pb_line_break_holder] --> <input name="mortgage" type="text" maxlength="9" id="mortgage" onkeyup="intOnly(this)"><!-- [et_pb_line_break_holder] --> </td><!-- [et_pb_line_break_holder] --> <td> </td><!-- [et_pb_line_break_holder] --> </tr><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <tr><!-- [et_pb_line_break_holder] --> <td>Other Loans (eg personal loan, credit cards)</td><!-- [et_pb_line_break_holder] --> <td>$15,000</td><!-- [et_pb_line_break_holder] --> <td>$ <!-- [et_pb_line_break_holder] --> <input name="otherloans" type="text" maxlength="9" id="otherloans" onkeyup="intOnly(this)"><!-- [et_pb_line_break_holder] --> </td><!-- [et_pb_line_break_holder] --> <td> </td><!-- [et_pb_line_break_holder] --> </tr><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <tr><!-- [et_pb_line_break_holder] --> <td><!-- [et_pb_line_break_holder] --> <strong>Lump sum to clear loans and debts</strong><!-- [et_pb_line_break_holder] --> </td><!-- [et_pb_line_break_holder] --> <td>$185,000</td><!-- [et_pb_line_break_holder] --> <td><!-- [et_pb_line_break_holder] --> <b>$ <!-- [et_pb_line_break_holder] --> <label id="lbllineA"></label><!-- [et_pb_line_break_holder] --> <input style="display: none" name="lineA" disabled="#DEFAULT" type="text" maxlength="9" id="lineA"><!-- [et_pb_line_break_holder] --> </td><!-- [et_pb_line_break_holder] --> <td>Line A</td><!-- [et_pb_line_break_holder] --> </tr><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <tr><!-- [et_pb_line_break_holder] --> <th colspan="4">Monthly living expenses</th><!-- [et_pb_line_break_holder] --> </tr><!-- [et_pb_line_break_holder] --> <tr><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <td> </td><!-- [et_pb_line_break_holder] --> <td> </td><!-- [et_pb_line_break_holder] --> <td style="text-align:center"><!-- [et_pb_line_break_holder] --> <b>Per month</b><!-- [et_pb_line_break_holder] --> </td><!-- [et_pb_line_break_holder] --> <td> </td><!-- [et_pb_line_break_holder] --> </tr><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <tr><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <td>Rent (if applicable)</td><!-- [et_pb_line_break_holder] --> <td>$1,200</td><!-- [et_pb_line_break_holder] --> <td>$ <!-- [et_pb_line_break_holder] --> <input name="rent" type="text" maxlength="9" id="rent" onkeyup="intOnly(this)"><!-- [et_pb_line_break_holder] --> </td><!-- [et_pb_line_break_holder] --> <td> </td><!-- [et_pb_line_break_holder] --> </tr><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <tr><!-- [et_pb_line_break_holder] --> <td>Vehicle and transport (eg fuel, bus fares)</td><!-- [et_pb_line_break_holder] --> <td>$200</td><!-- [et_pb_line_break_holder] --> <td>$ <!-- [et_pb_line_break_holder] --> <input name="transport" type="text" maxlength="9" id="transport" onkeyup="intOnly(this)"><!-- [et_pb_line_break_holder] --> </td><!-- [et_pb_line_break_holder] --> <td> </td><!-- [et_pb_line_break_holder] --> </tr><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <tr><!-- [et_pb_line_break_holder] --> <td>Entertainment</td><!-- [et_pb_line_break_holder] --> <td>$100</td><!-- [et_pb_line_break_holder] --> <td>$ <!-- [et_pb_line_break_holder] --> <input name="entertainment" type="text" maxlength="9" id="entertainment" onkeyup="intOnly(this)"><!-- [et_pb_line_break_holder] --> </td><!-- [et_pb_line_break_holder] --> <td> </td><!-- [et_pb_line_break_holder] --> </tr><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <tr><!-- [et_pb_line_break_holder] --> <td>Your home (eg rates, electricity, insurance, repairs)</td><!-- [et_pb_line_break_holder] --> <td>$350</td><!-- [et_pb_line_break_holder] --> <td>$ <!-- [et_pb_line_break_holder] --> <input name="home" type="text" maxlength="9" id="home" onkeyup="intOnly(this)"><!-- [et_pb_line_break_holder] --> </td><!-- [et_pb_line_break_holder] --> <td> </td><!-- [et_pb_line_break_holder] --> </tr><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <tr><!-- [et_pb_line_break_holder] --> <td>Food</td><!-- [et_pb_line_break_holder] --> <td>$500</td><!-- [et_pb_line_break_holder] --> <td>$ <!-- [et_pb_line_break_holder] --> <input name="food" type="text" maxlength="9" id="food" onkeyup="intOnly(this)"><!-- [et_pb_line_break_holder] --> </td><!-- [et_pb_line_break_holder] --> <td> </td><!-- [et_pb_line_break_holder] --> </tr><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <tr><!-- [et_pb_line_break_holder] --> <td>Education/Child care</td><!-- [et_pb_line_break_holder] --> <td>$400</td><!-- [et_pb_line_break_holder] --> <td>$ <!-- [et_pb_line_break_holder] --> <input name="school" type="text" maxlength="9" id="school" onkeyup="intOnly(this)"><!-- [et_pb_line_break_holder] --> </td><!-- [et_pb_line_break_holder] --> <td> </td><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> </tr><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <tr><!-- [et_pb_line_break_holder] --> <td>Other (eg clothing shoes, grooming)</td><!-- [et_pb_line_break_holder] --> <td>$150</td><!-- [et_pb_line_break_holder] --> <td>$ <!-- [et_pb_line_break_holder] --> <input name="clothes" type="text" maxlength="9" id="clothes" onkeyup="intOnly(this)"><!-- [et_pb_line_break_holder] --> </td><!-- [et_pb_line_break_holder] --> <td> </td><!-- [et_pb_line_break_holder] --> </tr><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <tr><!-- [et_pb_line_break_holder] --> <td><!-- [et_pb_line_break_holder] --> <strong>Monthly total</strong><!-- [et_pb_line_break_holder] --> </td><!-- [et_pb_line_break_holder] --> <td><!-- [et_pb_line_break_holder] --> <b>$2,900</b><!-- [et_pb_line_break_holder] --> </td><!-- [et_pb_line_break_holder] --> <td><!-- [et_pb_line_break_holder] --> <b>$ <!-- [et_pb_line_break_holder] --> <label id="lblmonthtotal"></label><!-- [et_pb_line_break_holder] --> <input style="display: none" name="monthtotal" disabled="#DEFAULT" type="text" maxlength="9" id="monthtotal" onkeyup="intOnly(this)"><!-- [et_pb_line_break_holder] --> </b><!-- [et_pb_line_break_holder] --> </td><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <td> </td><!-- [et_pb_line_break_holder] --> </tr><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <tr><!-- [et_pb_line_break_holder] --> <td><!-- [et_pb_line_break_holder] --> <strong>Multiply by 12 for annual living expenses</strong><!-- [et_pb_line_break_holder] --> </td><!-- [et_pb_line_break_holder] --> <td><!-- [et_pb_line_break_holder] --> <b>$34,800</b><!-- [et_pb_line_break_holder] --> </td><!-- [et_pb_line_break_holder] --> <td><!-- [et_pb_line_break_holder] --> <b>$ <!-- [et_pb_line_break_holder] --> <label id="lblby12"></label><!-- [et_pb_line_break_holder] --> <input style="display: none" name="by12" disabled="#DEFAULT" type="text" maxlength="9" id="by12"><!-- [et_pb_line_break_holder] --> </b><!-- [et_pb_line_break_holder] --> </td><!-- [et_pb_line_break_holder] --> <td></td><!-- [et_pb_line_break_holder] --> </tr><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <tr><!-- [et_pb_line_break_holder] --> <td>Years you wish to cover these expenses</td><!-- [et_pb_line_break_holder] --> <td>15</td><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <td><!-- [et_pb_line_break_holder] --> <input name="yearstocover" type="text" maxlength="9" id="yearstocover" onkeyup="intOnly(this)"><!-- [et_pb_line_break_holder] --> </td><!-- [et_pb_line_break_holder] --> <td></td><!-- [et_pb_line_break_holder] --> </tr><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <tr><!-- [et_pb_line_break_holder] --> <td>Lump sum to cover living expenses</td><!-- [et_pb_line_break_holder] --> <td><!-- [et_pb_line_break_holder] --> <b>$454,049</b><!-- [et_pb_line_break_holder] --> </td><!-- [et_pb_line_break_holder] --> <td><!-- [et_pb_line_break_holder] --> <b>$ <!-- [et_pb_line_break_holder] --> <label id="lbllineD"></label><!-- [et_pb_line_break_holder] --> <input style="display: none" name="lineD" disabled="#DEFAULT" type="text" maxlength="9" id="lineD"><!-- [et_pb_line_break_holder] --> </b><!-- [et_pb_line_break_holder] --> </td><!-- [et_pb_line_break_holder] --> <td>Line D</td><!-- [et_pb_line_break_holder] --> </tr><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <tr><!-- [et_pb_line_break_holder] --> <th colspan="4">Insurance Cover Gap</th><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> </tr><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <tr><!-- [et_pb_line_break_holder] --> <td>Lump sum required to clear debts and cover living expenses</td><!-- [et_pb_line_break_holder] --> <td><!-- [et_pb_line_break_holder] --> <b>$639,049</b><!-- [et_pb_line_break_holder] --> </td><!-- [et_pb_line_break_holder] --> <td><!-- [et_pb_line_break_holder] --> <b>$ <!-- [et_pb_line_break_holder] --> <label id="lbllineE"></label><!-- [et_pb_line_break_holder] --> <input style="display: none" name="lineE" disabled="#DEFAULT" type="text" maxlength="9" id="lineE"><!-- [et_pb_line_break_holder] --> </b><!-- [et_pb_line_break_holder] --> </td><!-- [et_pb_line_break_holder] --> <td>(A+D) Line E</td><!-- [et_pb_line_break_holder] --> </tr><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <tr><!-- [et_pb_line_break_holder] --> <td>Life cover insurance you have through superannuation</td><!-- [et_pb_line_break_holder] --> <td>$140,000</td><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <td>$ <!-- [et_pb_line_break_holder] --> <input name="lineF" type="text" maxlength="9" id="lineF" onkeyup="intOnly(this)"><!-- [et_pb_line_break_holder] --> </td><!-- [et_pb_line_break_holder] --> <td>Line F</td><!-- [et_pb_line_break_holder] --> </tr><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <tr><!-- [et_pb_line_break_holder] --> <td>Life insurance from other policies and/or assets you could sell (eg shares)</td><!-- [et_pb_line_break_holder] --> <td>$40,000</td><!-- [et_pb_line_break_holder] --> <td>$ <!-- [et_pb_line_break_holder] --> <input name="lineG" type="text" maxlength="9" id="lineG" onkeyup="intOnly(this)"><!-- [et_pb_line_break_holder] --> </td><!-- [et_pb_line_break_holder] --> <td>Line G</td><!-- [et_pb_line_break_holder] --> </tr><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <tr><!-- [et_pb_line_break_holder] --> <td>Potential life insurance gap<!-- [et_pb_line_break_holder] --> <br>(LINE E - LINE F - LINE G)</td><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <td><!-- [et_pb_line_break_holder] --> <b>$454,049</b><!-- [et_pb_line_break_holder] --> </td><!-- [et_pb_line_break_holder] --> <td><!-- [et_pb_line_break_holder] --> <b><!-- [et_pb_line_break_holder] --> <label id="EqualsSign">$ </label><!-- [et_pb_line_break_holder] --> <label id="lblEquals"></label><!-- [et_pb_line_break_holder] --> <input style="display: none" name="Equals" type="text" maxlength="9" id="Equals" onkeyup="intOnly(this)"><!-- [et_pb_line_break_holder] --> </b><!-- [et_pb_line_break_holder] --> </td><!-- [et_pb_line_break_holder] --> <td>Equals</td><!-- [et_pb_line_break_holder] --> </tr><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <tbody><!-- [et_pb_line_break_holder] --> </table><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <p>* Think about how many years you need to cover these expenses for.<!-- [et_pb_line_break_holder] --> <br> For our example we have used 15, but you may feel more or less is required.</p><!-- [et_pb_line_break_holder] --> <table width="540" class="assumptions"><!-- [et_pb_line_break_holder] --> <tbody><!-- [et_pb_line_break_holder] --> <tr><!-- [et_pb_line_break_holder] --> <td align=left colspan=3><!-- [et_pb_line_break_holder] --> <h3>Important things to know</h3><!-- [et_pb_line_break_holder] --> <p>1. The purpose of this calculator is to estimate the amount of cover you need for life insurance.</p><!-- [et_pb_line_break_holder] --> <p>2. This calculator is intended to provide general information only. It is provided by ClearView Life Assurance<!-- [et_pb_line_break_holder] --> Limited ABN 12 000 021 581 AFSL No. 227682 ('ClearView') without taking into account your particular objectives,<!-- [et_pb_line_break_holder] --> financial situation and needs.<!-- [et_pb_line_break_holder] --> <br>This calculator is a financial model and cannot accurately predict how much insurance you might need. This<!-- [et_pb_line_break_holder] --> will depend on:<!-- [et_pb_line_break_holder] --> <ul style="margin-left:20px"><!-- [et_pb_line_break_holder] --> <li>all of your personal circumstances (including your particular objectives, financial situation and needs);<!-- [et_pb_line_break_holder] --> and<!-- [et_pb_line_break_holder] --> </li><!-- [et_pb_line_break_holder] --> <li> unpredictable external factors.</li><!-- [et_pb_line_break_holder] --> </ul><!-- [et_pb_line_break_holder] --> This calculator generates factual information based on a limited range of issues and uses a set of assumptions to give you<!-- [et_pb_line_break_holder] --> an indication of how your choices may affect the outcome. These assumptions and limitations are stated below.<!-- [et_pb_line_break_holder] --> </p><!-- [et_pb_line_break_holder] --> <p>3. While this calculator can be a useful tool, the information produced does not constitute a recommendation<!-- [et_pb_line_break_holder] --> or statement of opinion about insurance and it should not be relied on for the purpose of making a decision<!-- [et_pb_line_break_holder] --> in relation to a financial product. This calculator does not consider all of your personal circumstances and<!-- [et_pb_line_break_holder] --> you should consider obtaining advice from a financial planner before making any financial decisions.</p><!-- [et_pb_line_break_holder] --> <p>4. No assurance is given that this calculator is free of errors or suitable for any user's intended purposes.</p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <h3>Assumptions and limitations</h3><!-- [et_pb_line_break_holder] --> <p><!-- [et_pb_line_break_holder] --> The assumptions used to calculate the result and the limitations of this calculator are set out below. There is no guarantee<!-- [et_pb_line_break_holder] --> that the assumptions are appropriate for your circumstances or accurately predict what will occur. You should<!-- [et_pb_line_break_holder] --> also consider the limitations carefully as these will impact the result.<!-- [et_pb_line_break_holder] --> </p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <p>1. No allowance has been made for any taxation or levies as this will depend on your personal circumstances.</p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <p>2. A real investment return of 2%pa, relative to AWOTE, is used to capitalise future expenses. That is, a 2%<!-- [et_pb_line_break_holder] --> real return is used to convert required income streams to lump sums. This real return is broadly based on an<!-- [et_pb_line_break_holder] --> assumed rate of AWOTE inflation of 4%pa and net investment return of 6%pa. The AWOTE assumption of 4%pa is<!-- [et_pb_line_break_holder] --> 1.5%pa higher than the mid point of the Reserve Bank of Australia's target range for CPI inflation of 2%-3%pa.<!-- [et_pb_line_break_holder] --> An untaxed return of 6%pa from conservatively invested funds is consistent with long term historic returns<!-- [et_pb_line_break_holder] --> and may be an appropriate investment in some circumstances. The actual real return could vary substantially<!-- [et_pb_line_break_holder] --> from this both because of the inherent volatility in wage inflation and investment returns and because of its<!-- [et_pb_line_break_holder] --> dependence on the investment strategy adopted and the taxation status of the investment. Accordingly, if the<!-- [et_pb_line_break_holder] --> capitalised future expenses component of the derived sum insured is a significant proportion of the total,<!-- [et_pb_line_break_holder] --> then the user should seek advice as to a more appropriate after-tax real investment return to use.</p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <p>3. The total values are the sum of expenses entered within the calculator.</p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <p>4. No allowance has been made for any income received. It is only a calculation of the expenses entered.</p><!-- [et_pb_line_break_holder] --> <p>ClearView consider these assumptions are reasonable as the purpose is to provide general information only.</p><!-- [et_pb_line_break_holder] --> <p>If your actual situation differs from the assumptions made, then the calculations may differ from your actual<!-- [et_pb_line_break_holder] --> amounts.<!-- [et_pb_line_break_holder] --> </p><!-- [et_pb_line_break_holder] --></div><!-- [et_pb_line_break_holder] --></td><!-- [et_pb_line_break_holder] --></tr><!-- [et_pb_line_break_holder] --><tr><!-- [et_pb_line_break_holder] --> <td align=left colspan=3><!-- [et_pb_line_break_holder] --> <h3>Assumption variables</h3><!-- [et_pb_line_break_holder] --> <p>The "Lump sum to cover living expenses" is based on an annuity formula using an assumed salary inflation rate (AWOTE)<!-- [et_pb_line_break_holder] --> of 4.0% and an assumed net investment return of 6.0% (see assumption 2. above). You can changes these assumed rates<!-- [et_pb_line_break_holder] --> below.<!-- [et_pb_line_break_holder] --> </p><!-- [et_pb_line_break_holder] --> <tr><!-- [et_pb_line_break_holder] --> <td>Net investment return (between 3% and 8%)</td><!-- [et_pb_line_break_holder] --> <td> </td><!-- [et_pb_line_break_holder] --> <td><!-- [et_pb_line_break_holder] --> <INPUT style="width:95px" size=12 type="text" maxlength="4" value=6 name=txtInvReturn id=txtInvReturn onblur="limitNoDecimalPlaces2(this,2);validtxtInvReturn();"<!-- [et_pb_line_break_holder] --> onKeyUp="limitNoDecimalPlaces2(this,2);"> % </td><!-- [et_pb_line_break_holder] --> <td> </td><!-- [et_pb_line_break_holder] --> </tr><!-- [et_pb_line_break_holder] --> <tr><!-- [et_pb_line_break_holder] --> <td>Salary inflation rate (AWOTE) (between 2% and 4%)</td><!-- [et_pb_line_break_holder] --> <td> </td><!-- [et_pb_line_break_holder] --> <td><!-- [et_pb_line_break_holder] --> <INPUT style="width:95px" size=12 type="text" maxlength="4" value=4 name=txtInflationRate id=txtInflationRate onblur="limitNoDecimalPlaces2(this,2);validtxtInflationRate();"<!-- [et_pb_line_break_holder] --> onKeyUp="limitNoDecimalPlaces2(this,2);"> % </td><!-- [et_pb_line_break_holder] --> <td> </td><!-- [et_pb_line_break_holder] --> </tr><!-- [et_pb_line_break_holder] --> <tr><!-- [et_pb_line_break_holder] --> <td colspan=3><!-- [et_pb_line_break_holder] --> <br><!-- [et_pb_line_break_holder] --> <p>ClearView Life Assurance Limited ABN 12 000 021 581 AFSL No. 227682 issues life insurance products. Before deciding<!-- [et_pb_line_break_holder] --> whether to acquire a ClearView product, please refer to the relevant Product Disclosure Statement (PDS), available<!-- [et_pb_line_break_holder] --> online or by contacting 132 979 for details of the terms of the relevant product, including costs and exclusions<!-- [et_pb_line_break_holder] --> that apply. </p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> </td><!-- [et_pb_line_break_holder] --> </tr><!-- [et_pb_line_break_holder] --> </tbody><!-- [et_pb_line_break_holder] --> </table><!-- [et_pb_line_break_holder] --> </form>