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Centuria, in collaboration with its actuary, Mercers, has launched an investment bond calculator.
Designed to help financial advisers and investors project future after-tax fund balances. This tool takes into account individual tax rates, chosen asset allocations and anticipated fund inflows and outflows.
The calculator enables users to forecast a tax-paid income stream after 10 years, illustrating how much they need to save to achieve a desired future income. The calculator will provide a detailed, year-by-year output, summarising after-tax returns and highlighting key participants involved in the investment bond, including the life insured and any beneficiaries.
Financial advisers can integrate this modelling directly into client statements of advice, enhancing guidance and planning.