*‘Starting Amount ($)’ is the current combined total dollar value of your savings and investments. *‘Estimated Annual Return Rate (%)’ is the average annual return you expect to receive. *The ‘Estimated Annual Return Rate (%)’ that you input into the calculator represent gross figures, and do not take into account the effects of any fees, taxes or inflation. You are also not guaranteed to achieve this Estimated Annual Return Rate each year nor in any one year. *The ‘Final Amount’ is not guaranteed. It is an estimated projection to help you with decisions about your fund choice, the risk associated and how much you should contribute. This Final Amount does not take into account the effects of any fees, taxes or inflation and assumes consistent contributions and a consistent annual rate of return.