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Fee assumptions

• The industry average for KiwiSaver growth funds management fees is 1.25% p.a. (according to FMA KiwiSaver Tracker data at 30 June 2018) and the overall industry average admin fee is $32 (according to Sorted FundFinder data as at 31 March 2018)
• JUNO KiwiSaver Scheme fees assume your balance is at year-end and you pay the applicable JUNO fees, each month

Other calculator assumptions

• No withdrawals;
• No PIR tax (based on the manager's experience, and audited returns, showing minor tax impact on investor returns);
• Annual return 8% per annum (global equity market long-run return assumption 10% p.a. less 2% inflation);
• Below age 18 we assume only monthly member contributions (until age 18), and no employer or government contributions;
• From age 18 we assume a $35,000 salary (or your inputted salary) increasing 2.5% annually; 3% member and employer contributions (less applicable Employer superannuation contribution tax) and a $521.43 annual Government contribution