The Smart About Money tools and calculators are provided as a guide only and cannot be used for financial planning purposes. The tools and calculators either apply certain assumptions or you will be asked to input certain assumptions. However, it is not possible to cater for all the variables that may affect your unique situation. Therefore, before you make decisions that will impact on your financial health we strongly recommend that you speak to a financial adviser. Smart About Money, the Association for Savings and Investment South Africa (ASISA) and it members will not be held responsible for your reliance on the results produced by these tools and calculators.