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Find out how much you need to invest to achieve your goals and dreams. This will depend on how much you already have saved, also called your capital; and how long it is until you need your investment to pay out - this is your time horizon. You can adjust the values you enter to see how investment amounts and timing could affect your plans.

To get started, click on an investment goal below.

Choose your goal
Plan for retirement
Invest today to enjoy a comfortable future.
This money will pay your income when you have stopped working.
Start Now
Retirement income
You need an income for the rest of your life
Invest and grow your retirement savings to make your money work for you.
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Save for education
Invest in your children
Education opens doors & each year it gets more expensive. Plan now for their future.
Start Now
Achieve your dream
Life is for living, invest and enjoy it
Want a car or to travel the world? Don't just sit there, turn your dreams into reality!
Start Now
InvestRight Assumptions

All graphs are for illustrative purposes to give you an idea of possible outcomes based on the values you have provided and projected market performance. The values displayed in the shaded areas indicate your final value of capital invested based on three scenarios of market performance. We also assume the rate of inflation:

  • SA inflation rate: 5% p.a.
  • Good market performance: 10% p.a. (5% after inflation)
  • Moderate market performance: 8% p.a. (3% after inflation)
  • Poor market performance: 6% p.a. (1% after inflation)

South African inflation rate: 5% p.a.

We have selected a rate of inflation in line with the SA inflation target band of 3%-6%. This is important because inflation is an indication of the yearly increase in the cost of living, and erodes the buying power of your money over time. This means that your savings must grow faster than inflation in order to maintain your desired standard of living. An investment return in excess of inflation is called a �real return�, because it refers to the actual buying power of your cash.

Estimated growth rate of your savings: 6% - 10% p.a.

The return on your investment will ultimately depend on the spread of assets you invest in. We have assumed a lower growth rate of 6% p.a., a moderate rate of 8%, and a higher growth rate of 10% p.a. for illustrative purposes. You could potentially earn a higher or lower return from your actual investments. We consider this range as prudent, given that this model works with estimated figures and as tax and product charges are not taken into account. Note that our assumed real return is in line with long term return expectations.

Assumed life expectancy: 85 years

People are living for longer than ever, this means you need to plan for a longer retirement. We have assumed a life expectancy of 85 years, which means that if you retire at the current retirement age of 55 years, you need to plan to have enough retirement capital to invest in order to draw an income that will last you 30 years of living without working. Your own family history should also be taken into account – you may have to plan to spend even longer in retirement.

Our calculators do not take the following into account:

  • Product charges, tax obligations and investment fees. Please speak to a qualified financial intermediary (adviser or broker) for more information on this subject.
  • Advantages or limitations of specific investment products.

Product assumptions:

While Old Mutual Unit Trusts offer retirement planning and retirement income products, there are other products that may meet your retirement planning needs. Please consult a financial intermediary, as your own scenario may be different to what has been outlined in this tool.

This tool is a simulation only, and not based on any specific product.

This tool is for illustration purposes only, to give you an idea of possible outcomes based on simplified values. Therefore is not indicative of the actual or potential behaviour of any specific retirement or investment product.

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InvestRight Assumptions

All graphs are for illustrative purposes to give you an idea of possible outcomes based on the values you have provided and projected market performance. The values displayed in the shaded areas indicate your final value of capital invested based on three scenarios of market performance. We also assume the rate of inflation:

  • SA inflation rate: 5% p.a.
  • Education inflation rate: 9% p.a.
  • Good market performance: 10% p.a. (5% after inflation)
  • Moderate market performance: 8% p.a. (3% after inflation)
  • Poor market performance: 6% p.a. (1% after inflation)

South African inflation rate: 5% p.a.

We have selected a rate of inflation in line with the SA inflation target band of 3%-6%. This is important because inflation is an indication of the yearly increase in the cost of living, and erodes the buying power of your money over time. This means that your savings must grow faster than inflation in order to maintain your desired standard of living. An investment return in excess of inflation is called a �real return�, because it refers to the actual buying power of your cash.

Estimated growth rate of your savings: 6% - 10% p.a.

The return on your investment will ultimately depend on the spread of assets you invest in. We have assumed a lower growth rate of 6% p.a., a moderate rate of 8%, and a higher growth rate of 10% p.a. for illustrative purposes. You could potentially earn a higher or lower return from your actual investments. We consider this range as prudent, given that this model works with estimated figures and as tax and product charges are not taken into account. Note that our assumed real return is in line with long term return expectations.

Education fee increases per year: 9% p.a.

Most institutions have increased fees above the rate of inflation as government funding has been reduced over the last few years. Therefore we have assumed an inflation rate above the general rate of inflation, for educational institutions.

Our calculators do not take the following into account:

  • Product charges, tax obligations and investment fees. Please speak to a qualified financial intermediary (adviser or broker) for more information on this subject.
  • Advantages or limitations of specific investment products.

This tool is a simulation only, and not based on any specific product.

This tool is for illustration purposes only, to give you an idea of possible outcomes based on simplified values. Therefore is not indicative of the actual or potential behaviour of any specific retirement or investment product.

< Back to graph
InvestRight Assumptions

All graphs are for illustrative purposes to give you an idea of possible outcomes based on the values you have provided and projected market performance. The values displayed in the shaded areas indicate your final value of capital invested based on three scenarios of market performance. We also assume the rate of inflation:

  • SA inflation rate: 5% p.a.
  • Good market performance: 10% p.a. (5% after inflation)
  • Moderate market performance: 8% p.a. (3% after inflation)
  • Poor market performance: 6% p.a. (1% after inflation)

South African inflation rate: 5% p.a.

We have selected a rate of inflation in line with the SA inflation target band of 3%-6%. This is important because inflation is an indication of the yearly increase in the cost of living, and erodes the buying power of your money over time. This means that your savings must grow faster than inflation in order to maintain your desired standard of living. An investment return in excess of inflation is called a �real return�, because it refers to the actual buying power of your cash.

Estimated growth rate of your savings: 6% - 10% p.a.

The return on your investment will ultimately depend on the spread of assets you invest in. We have assumed a lower growth rate of 6% p.a., a moderate rate of 8%, and a higher growth rate of 10% p.a. for illustrative purposes. You could potentially earn a higher or lower return from your actual investments. We consider this range as prudent, given that this model works with estimated figures and as tax and product charges are not taken into account. Note that our assumed real return is in line with long term return expectations.

Our calculators do not take the following into account:

  • Product charges, tax obligations and investment fees. Please speak to a qualified financial intermediary (adviser or broker) for more information on this subject.
  • Advantages or limitations of specific investment products.

This tool is a simulation only, and not based on any specific product.

This tool is for illustration purposes only, to give you an idea of possible outcomes based on simplified values. Therefore is not indicative of the actual or potential behaviour of any specific retirement or investment product.

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How to read your graph

The shaded area shows a range of possible values based on your current plan, and the performance of investment markets. The top line shows what the value of your savings could be if you invested during a time of consistently good market performance, the bottom line shows the value if the markets deliver poor performance, and the darker line in the middle indicates a value if the markets perform moderately well. You can mouse over these lines to see their rand amounts. To find out what our market performance assumptions are, click on the �Assumptions Made� button.

If you have fallen short of your target, or simply want to see what could happen if you change an aspect of your plan, use the sliders alongside to alter your answers in order to change the results.

If you are happy with the results, and want to put your plan into action, you can invest right away by selecting �Apply Online�, or if you would rather get some good advice before you begin, select �Real Time Advice� for a real-time text conversation, or fill out the Call Me Back form, and one of our qualified advisers will contact you at a time that suits you.

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InvestRight: Disclaimer

InvestRight is not an advice tool.

InvestRight is an educational tool aimed at highlighting the importance of savings and encouraging personal savings. It does not provide advice on products to be used as a savings mechanism, nor does it provide an indication of product performance or projections of performance.

It provides an estimated savings target and various interactive levers in order to understand the savings requirements that must be met to achieve the estimated target. The tool is based on a number of assumptions, which are carefully explained in the tool. In line with these assumptions, the tool does not take the following factors into consideration:

  • Tax implications of investments for investors.
  • Investment or product fees (i.e. all estimates are based on gross returns).
  • Advantages or limitations relating to specific investment products.
  • Volatility in investment returns due to asset mix and time horizons.
  • Different inflation rates applicable to various items and time horizons.

While every effort has been made to ensure the accuracy of information contained in this tool, Old Mutual Life Assurance (South Africa) Ltd, Old Mutual Unit Trust Managers Limited, Old Mutual Investment Group (South Africa) (Pty) Limited, its associated companies, its directors and employees provide no representation or warranty, express or implied, regarding the accuracy, completeness or correctness of information contained in this tool. Consequently, none of the aforementioned parties shall be liable for any direct or indirect loss, damages or costs as a result of your using the tool.

Unit trusts are generally medium- to long-term investments. Past performance is no indication of future performance. Shorter term fluctuations can occur as your investment moves in line with the markets. Fluctuations or movements in exchange rates may cause the value of underlying international investments to go up or down. Unit trusts can engage in borrowing and scrip lending. The fund's TER reflects the percentage of the average Net Asset Value of the portfolio that was incurred as charges, levies and fees related to the management of the portfolio. A higher TER does not necessarily imply a poor return, nor does a low TER imply a good return. The current TER cannot be regarded as an indication of future TERs. A schedule of fees, charges and maximum commissions is available from Old Mutual Unit Trust Managers Ltd (OMUT). You may sell your investment at the ruling price of the day (calculated at 15h00 on a forward pricing basis and 17h00 at month-end for Old Mutual RAFI® 40 Tracker Fund, Old Mutual Top 40 Fund and SYm|mETRY Equity Fund of Funds). The Old Mutual Money Market Fund unit price aims to be static but investment capital is not guaranteed. The total return is primarily made up of interest (declared daily at 13h00), but may also include any gain/loss on any particular instrument. In most cases this will merely have the effect of increasing or decreasing the daily yield, but in an extreme case it can have the effect of reducing the capital value of the fund. Specialist equity funds may hold a greater risk as exposure limits to a single security may be higher. A feeder fund is a portfolio that, apart from assets in liquid form, consists solely of participatory interests in a single portfolio of a collective investment scheme. A fund of funds unit trust invests only in other collective investment schemes, which may levy their own charges. Certain funds may be capped to be managed in accordance with their mandates. Different classes of units apply to these portfolios and are subject to different fees and charges. Old Mutual Unit Trust Managers Ltd is a member of the Association for Savings and Investment South Africa (ASISA).

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Fund Selection Tool: Disclaimer

This is not an advice tool.

This Tool gives you some insight into what type of investor you are. It is not sufficiently comprehensive to qualify as investment advice and you should consult your Old Mutual Personal Financial Adviser or broker for more information.

While every effort has been made to ensure the accuracy of information contained in this tool, Old Mutual Life Assurance (South Africa) Ltd, Old Mutual Unit Trust Managers Limited, Old Mutual Investment Group (South Africa) (Pty) Limited, its associated companies, its directors and employees provide no representation or warranty, express or implied, regarding the accuracy, completeness or correctness of information contained in this tool. Consequently, none of the aforementioned parties shall be liable for any direct or indirect loss, damages or costs as a result of your using the tool.

Unit trusts are generally medium- to long-term investments. Past performance is no indication of future performance. Shorter term fluctuations can occur as your investment moves in line with the markets. Fluctuations or movements in exchange rates may cause the value of underlying international investments to go up or down. Unit trusts can engage in borrowing and scrip lending. The fund's TER reflects the percentage of the average Net Asset Value of the portfolio that was incurred as charges, levies and fees related to the management of the portfolio. A higher TER does not necessarily imply a poor return, nor does a low TER imply a good return. The current TER cannot be regarded as an indication of future TERs. A schedule of fees, charges and maximum commissions is available from Old Mutual Unit Trust Managers Ltd (OMUT). You may sell your investment at the ruling price of the day (calculated at 15h00 on a forward pricing basis and 17h00 at month-end for Old Mutual RAFI® 40 Tracker Fund, Old Mutual Top 40 Fund and SYm|mETRY Equity Fund of Funds). The Old Mutual Money Market Fund unit price aims to be static but investment capital is not guaranteed. The total return is primarily made up of interest (declared daily at 13h00), but may also include any gain/loss on any particular instrument. In most cases this will merely have the effect of increasing or decreasing the daily yield, but in an extreme case it can have the effect of reducing the capital value of the fund. Specialist equity funds may hold a greater risk as exposure limits to a single security may be higher. A feeder fund is a portfolio that, apart from assets in liquid form, consists solely of participatory interests in a single portfolio of a collective investment scheme. A fund of funds unit trust invests only in other collective investment schemes, which may levy their own charges. Certain funds may be capped to be managed in accordance with their mandates. Different classes of units apply to these portfolios and are subject to different fees and charges.

The portfolio performance is calculated on a NAV-NAV basis and does not take any initial fees into account. Income is reinvested on the ex-dividend date. Actual investment performance will differ based on the initial fees applicable, the actual investment date and the date of reinvestment of income. Past performance is not necessarily an indication of future performance.

Old Mutual Unit Trust Managers Ltd is a member of the Association for Savings and Investment South Africa (ASISA).

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Please review the amounts below, and change them if necessary. Once you are happy with your choice, please select �Yes� by ticking the box.

Monthly investment:
Lump sum investment of money already saved:
Annual premium increase:
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Please review the amount below, and change them if necessary. Once you are happy with your choice, please select "Yes". by ticking the box.

Lump sum investment of money already saved:
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Please note that this tool assumes a life expectancy of 85 years.
How old are you?
At what age do you want to retire?
What is your current monthly income?
What percentage of your at-retirement income would you like to receive every month when you retire?
How much have you already saved for retirement?
How much can you afford to invest for your retirement each month?
By what percentage would you like to increase your monthly retirement investment amount each year?
The graph below shows whether you will enjoy the retirement income you hope for. For details, click here.
Assumptions made
Likely growth range
Moderate growth
Current age:

Retirement age:

Desired monthly retirement income:*

Current retirement savings:

Monthly retirement investment:*

Annual contribution increase:

*today's value
This tool assumes that you are near to retirement, or already retired.
What is your current age?
What is the value of the retirement savings that you can invest to pay a retirement income?
This tool assumes that you are near to retirement, or already retired.
What monthly income would you like to receive in retirement?
At what rate do you want to increase your income each year?
The graph below shows whether you can draw the retirement income you need. For details, click here.
Assumptions made
Likely growth range
Moderate growth
Current age:

Value of retirement savings:

Desired monthly income:

Annual rate of income growth:

How many years until you need to pay for the first year of
education (what is your time horizon)?
How many years of education do you need to pay for?
How much does this education currently cost per year?
How much have you already saved for this education?
How much can you afford to save each month?
By how much would you like to increase your investment amount each year?
The graph below shows whether you will be able to afford this education. For details, click here.
Assumptions made
Likely growth range
Moderate growth
Years until the first year of education:

Duration of the course in years:

Current annual education fee:

Current savings:

Monthly investment:

Annual contribution increase:

Type your dream goal in the box below:
eg. BMW, Trip to China
How long do you have to achieve your dream
(what is your time horizon)?
If you could buy your dream today, how much would it cost?
How much have you already saved towards reaching your dream?
How much can you afford to save for your dream each month?
By how much would you like to increase your investment amount each year?
The graph below shows how near or far you will be from achieving your dream. For details, click here.
Assumptions made
Likely growth range
Moderate growth
Target value
Your dream saving is for:
Current value:

Years until you buy your dream:

Current savings:

Monthly investment:

Annual contribution increase:

How long do you have until you need your investment to pay out?



Please note: This tool is not intended to provide comprehensive advice, and we recommend that if you need assistance, you consult an adviser before you invest your hard-earned money.
What percentage of your total investment portfolio is this investment?*



*This excludes assets such as your house, car, art & jewellery.
What is your investment objective; what do you want your investments to do?
Capital Protection and Regular Income Capital Growth
What worries you the most when you think of investing?
Losing Money Inflation
Risk
CPI+: 1% - 2%
CPI+: 2% - 4%
CPI+: 4% - 5%
CPI+: 6% and higher
Return expectations (net of fees)
I need my investment to pay out in
or more.
 
This investment will be, at most,
of my total investment portfolio.
We assume an annual growth rate of between 6% and 10% per annum. Taking inflation into account, this is between 1% and 5%.
The moderate growth market performance is based on an 8% p.a. growth assumption (3% after inflation).
The target value is assumed to grow according to an inflation rate of 5% p.a.
This number is a percentage amount. e.g. 5% of R500 is R25. Choose a percentage amount that you think you will be able to afford, and bear in mind that each year, your saving amount will increase.
The cost will likely increase with time. We take this into account in your results at the end of this process.
Please confirm your choices by clicking in the boxes below.
The minimum amount that can be invested is .
Include additional costs, such as books, stationary, uniforms and accommodation. The cost will likely increase with time, and we take this into account in your results at the end of this process.
The highlighted values above are required. After correcting, please click here again.
Sorry, we were unable to send your details at this time. Please try again shortly.
After reviewing the fund information, please tick one or more of these boxes to select the funds you'd like to apply for, and then click Apply Online again.
Use the slider to select the sentence that describes you best.
Capital protection is offered by an investment that aims shield your capital from the effects of negative market performance; usually this is suitable for investors who cannot risk losing capital as they are close to, or in, retirement. Often capital protection comes at the expense of high capital growth.

A regular income is what you need when you are retired and no longer earning a salary. Some unit trusts are designed to pay investors an income derived from interest earned on fixed interest investments, while others offer an income from dividends (a portion of profits paid to shareholders) paid by the companies they are invested in. Others offer a combination of the two.
This is when the market value of an asset, such as a unit trust investment, increases. It is sometimes referred to as capital appreciation. Generally, when you invest, the more risk assets, such as equity, that you are exposed to, the greater the potential for capital growth. Usually investments that offer potentially high capital growth don�t offer much capital protection.
When you invest, there is the potential to lose some of your money as a result of poor market performance. This is especially true when you invest in riskier assets such as equities as you might buy at a certain price and their value may fall. This is called volatility risk.
Inflation refers to the cost of living and is measured by the cost of a �basket� of goods including things like transport, electricity, food and clothing. When the costs of this basket of goods increases, inflation increases. Inflation can erode the spending power of your money because the more expensive certain things are, the less you have to spend at the end of each month, you may even have to redo your budget and prioritise your monthly expenditure.
Fund Risk Rating:
out of 5
Recommended minimum Investment Term:

View Fund Fact Sheet [PDF]