Growth projector
See how regular contributions could add up over time, based on a growth rate you choose.
roughly in line with a diversified balanced portfolio, long-run average — this is an assumption you're choosing, not a guaranteed or predicted return.
What each rate bracket usually looks like
Conservative4%/yrLower risk$30,941 after 10 yrs
Aims to protect what you already have. Growth is slow and may barely beat inflation, but the balance moves in small steps.
Investment types often used to target this bracket
- High-interest savings and term deposits
- Government and investment-grade bond funds
- Cash / money-market style funds
- Conservative (defensive-weighted) diversified funds
Moderate7%/yrMedium risk$36,627 after 10 yrs
A mix of growth and defensive assets. Smoother than pure shares, but you still need to be able to sit through down years.
Investment types often used to target this bracket
- Balanced / diversified index funds (around 60% shares, 40% bonds)
- Broad global share index funds paired with a bond fund
- Listed property or infrastructure funds as a smaller slice
- Target-date or lifecycle style funds
Growth-focused10%/yrHigher risk$43,676 after 10 yrs
Almost entirely shares. Historically the strongest long-run growth, but the ride is bumpy and there can be long flat stretches.
Investment types often used to target this bracket
- Broad market index funds/ETFs (e.g. total world or S&P 500 style)
- All-country or emerging-market share funds
- Small-cap or sector funds as a smaller satellite holding
- High-growth diversified funds
Custom7%/yrDepends on what you pick$36,627 after 10 yrs
Use this to test your own assumption. As a rough guide, anything above about 10% a year long-term means taking on meaningfully more risk or concentration.
Investment types often used to target this bracket
- Match the rate to a real asset mix rather than the other way around
- Under 5%: mostly cash and bonds
- 5–8%: a balanced mix of shares and bonds
- 8%+: mostly shares, with the volatility that comes with it
These are general examples of asset types commonly associated with each return assumption — not recommendations to buy anything, and not tailored to your situation.
This is a projection based on the growth rate selected above, not a prediction or guarantee of future performance. Real returns vary and can be negative. This tool doesn't constitute financial advice.