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Compound interest - small contributions big impact

  • Important information

    The information provided contains general advice which does not take into account your specific objectives, financial situation or needs. Before investing, you should consider the appropriateness of this general advice with regard to your personal circumstances. You may also wish to obtain independent financial advice.  This blog is not intended to be, and should not be construed in any way as, investment, legal, or personal advice.

    These forecasts are based on the following assumptions: Starting salary of $50,000 increasing with a CPI of 2.5% per annum from the ages of 20 to 65. Fees are based on Indirect Cost Ration of 0.7% per annum with $78 per annum member fee. Salary Sacrifice contributions of $100 per month (not indexed in-line with salary increases). A Super Guarantee contributions rate of 9.5% and increasing to 12% as currently legislated is used for this calculation. Investment return of 7.13% per annum. They are predictive in character, may be affected by inaccurate assumptions or by known or unknown risks and uncertainties and may differ materially from results ultimately achieved.

    *Statewide Super holds an Australian Financial Services Licence (AFSL) that allows it to provide general and personal financial advice. Statewide Super Financial Planners are employees and Authorised Representatives of Statewide Super, who is responsible for any advice given to you by them. 

    Statewide Super also has a network of associated financial advisers (“Associated Advisers”) based locally and regionally. Advice provided to you by these Associated Advisers will be provided under the AFSL held by a third party. That third party is responsible for the financial advice given to you by an Associated Adviser.

    For further information and a copy of the applicable Statewide Super Financial Services Guide (FSG), visit or call 1300 65 18 65. A copy of the relevant FSG for an Associated Adviser can be obtained by contacting the Associated ​Adviser directly.