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Savings modeller

Important information and assumptions
  • This tool is for professional advisers only and should not to be used by your client.
  • Information contained in this tool should not be taken as advice or a recommendation
  • These figures are illustrative and are not guaranteed. Where you have selected specific funds, we have used growth rates that we consider reasonable and appropriate based on the funds that you’ve chosen and have also taken into consideration the maximum rates set by the Financial Conduct Authority. The rates are assumptions and we don’t guarantee the amount your client might get back. We also assume that the fund charges that currently apply to these funds will apply throughout the investment term.
  • The value of an investment can go down as well as up so your client could get back less than has been paid in. The figures shown are not a reliable indicator of potential investment performance.
  • The calculations are based on your client's current investment savings and assume they continue to pay the stated regular payments during the investment period.
  • The tool does not allow for any tax relief that may apply to contributions into pensions and ignores any limits on contributions (e.g. annual allowance or ISA or JISA annual subscription limit).
  • For plans with the Healthy Fee Saver and Boosters, the Vitality features that are included in the tool calculations are the Investment Booster and the Healthy Living Discount. The level of benefits that your client is eligible for under these features will depend on the type of funds their plan invests into and their Vitality status. For full details of the Investment Booster and Healthy Living Discount please see the VitalityInvest Retirement Plan with Healthy Fee Saver and Boosters terms and conditions or VitalityInvest ISA and JISA with Healthy Fee Saver and Boosters terms and conditions (as applicable) as well as the Investment Booster schedule and Charges schedule.
  • For plans with the Healthy Fee Saver, the Vitality feature that is included in the tool calculations is the Healthy Living Discount. The level of benefits that your client is eligible for under this feature will depend on the type of funds their plan invests into and their Vitality status. For full details of the VitalityInvest Retirement Plan with Healthy Fee Saver terms and conditions or VitalityInvest ISA and JISA with Healthy Fee Saver terms and conditions (as applicable) as well as the Charges schedule
  • We assume your client's Vitality status will remain the same throughout the investment term.
  • The tool calculations assume that the proportion of your client's plan held in each fund you’ve chosen remains the same in the future.
  • The tool calculations assume the current VitalityInvest ISA and VitalityInvest Retirement Plan product charges, Investment Booster rates (if available on the chosen plan type) and Healthy Living Discount apply throughout the investment term. The current charges and rates can be found in the Investment Booster schedule and Charges schedule.
  • The values don’t take into account the effects of price inflation. Price inflation will reduce what your client can buy with a given amount of money over time.
  • While we have endeavoured to ensure the accuracy of this tool, neither VitalityInvest nor our representatives can accept any responsibility for loss, however caused, suffered by any person who has acted in reliance on the material contained in this tool.
  • The data you have provided in this tool is anonymised and will not be stored or saved.