GFS Retirement Capital Lifetime Explorer – Excel Workbook & Practical Guide

Description

How long could your retirement capital support your income? The GFS Retirement Capital Lifetime Explorer helps you explore how income withdrawals, investment returns, fees and rising living costs affect your retirement capital over time. Designed for South African living-annuity education, this editable Excel workbook starts when retirement income begins. Enter your available capital and assumptions, then follow the projected income, remaining savings and purchasing power. See when your income target may become difficult to maintain—even when money remains invested. WHAT YOUR DOWNLOAD INCLUDES • An editable Excel workbook with an income summary and capital chart. • Annual projections for up to 60 years, with an overview chart displaying the first 30. • Optional yearly return overrides to explore investment losses, poor early returns and different return sequences. • A manual comparison record to capture your scenarios and observations. • A seven-page practical PDF guide with instructions, a worked example, explanations and a printable discussion checklist. EXPLORE YOUR OWN SCENARIOS Change your starting capital, age, monthly income target, assumed investment return, annual fees and inflation. Compare the effects of lower withdrawals, higher costs or difficult investment years. Read both the future rand amounts and the inflation-adjusted figures to understand the effect on purchasing power. FORMAT AND USE Digital download: Excel workbook and PDF guide. No physical item will be delivered. Desktop Excel is the intended format. The workbook requires no macros. Other spreadsheet applications may display charts differently. Open the guide in a standard PDF reader. IMPORTANT INFORMATION This is an educational living-annuity illustration, not a guaranteed lifetime-income product or personalised financial advice. Income is shown before personal tax. Results depend on your assumptions and the model’s annual calculation method. The workbook highlights income shortfalls and remaining capital; it does not guarantee a precise date when your savings will run out. The model does not calculate pre-retirement savings contributions, personal tax, guaranteed-annuity quotations or cash-out rules. For personal use by the purchaser. Do not resell or redistribute the workbook or guide.