Disclaimer for the Kernel Future You calculator:

Past performance is no indicator of future performance for any investment but is used for illustrative purposes of the fluctuations and non-linear nature of returns.

The cash savings returns are based on the New Zealand RBNZ Official Cash Rate at the beginning of each month before withholding taxes which is a higher interest rate than most investors would receive for short-term deposits.

Investment returns are shown for the respective fund since 31 August 2019 after fees and before taxes with distributions reinvested. Before 31 August 2019 it is the index return for the S&P/NZX20 Total return and S&P/NZX Real Estate Select total return. Monthly data points are used. This calculator does not constitute financial advice.

If you have further questions, get in touch.