The information is general information only and does not take into account the particular circumstances, objectives, financial situation or needs of any specific individual. While all reasonable steps have been made to ensure that the information is accurate, its completeness and accuracy is not guaranteed and any opinions expressed by us may change without notice. Any variation between the actual circumstances and the assumptions upon which the calculations are based will cause the actual outcome to vary from the calculated result. We will not be held liable for any errors, omissions, mistakes or inconsistencies that may occur and we will not accept liability to any third parties. This calculator is not to be construed as financial advice, taxation advice, a recommendation or an offer or invitation to buy, sell or hold a financial product.