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All calculations in this programme are based on the following assumptions:
- Employer and employee each contribute 5 per cent of staff's income;
- Minimum & maximum income level does not apply;
- 13th month pay, bonus or other allowances are not included;
- The effects of salary increase and inflation are ignored; and
- Expected investment return is net of all applicable charges.
Employee
Monthly Salary
Age
Expected investment return rate (%)
* Assume retirement age is 65  

Self Employ
Monthly Salary
Age
Expected investment return rate (%)
* Assume retirement age is 65  

Altruist does not guarantee the reliability or accuracy of the results generated by the Calculator and therefore accepts no liability arising from any omissions or inaccuracies.







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