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超级计算机指南研究

论文作者:www.51lunwen.org论文属性:硕士毕业论文 thesis登出时间:2013-04-04编辑:hynh1021点击率:10053

论文字数:16200论文编号:org201304032127385173语种:英语 English地区:中国价格:$ 66

关键词:超级计算机指南基金

摘要:本指南详细解释计算机的工作,如果你需要额外的帮助或想知道为什么,它会给你一定的结果。它也包含了一些关于你可能会考虑的选择。你可能喜欢很本指南或仅仅把它作为参考,而不是通过阅读得到所有的方式。如果你尝试各种选项的计算器,将更有意义。


费用和你所贡献的是最重要的选择,因为当你退休的时候,他们通常对你收到的金额会受到很大的影响。如果有计算器,你可以试试,但是不要依靠它来选择基金。考虑一下你自身的情况。你可能需要专家的建议,授权超级或退休计划。一个模型,而不是预测的计算器可以让你测试,如何作出选择可能会受到长期影响。它不能预测你最后的超级年金平衡,这将取决于你的个人情况,包括:你生活中的突发事件。假设你的计算器可以稳定,可预测所贡献。你将无法控制不可预知的外部因素,如投资收益,税收和通货膨胀。

Fees and what you contribute are usually the mostimportant choices because they generally have thegreatest impact on the amount you receive when youretire.You can try out  what ifs  with the calculator, but don t'rely on it to choose a fund. Consider your owncircumstances. You might need expert, licensed adviceon super or retirement planning.A model, not a predictionThe calculator lets you test, or model, how yourchoices may affect your super over the long term.It cannot predict your final superannuation balancewhich will depend on:your personal circumstances,https://www.51lunwen.org/cm/  includingunexpected events in your life. The calculatorassumes you can make steady, predictablecontributions.unpredictable external factors you cannotcontrol, such as investment earnings, tax andinflation. The calculator assumes those factorswill operate at set, steady rates for as long asyou remain in the fund.Even if events turn out differently from what sassumed, these assumptions are essential so thecalculator can show the effect of things you may beable to control, such as deciding to make extracontributions or choosing a low-fee fund.Your type of fund?The FIDO super calculator works for the most commontype of fund, called an accumulation fund. In this typeof fund, the amount of money you get when you retire(your retirement benefit) depends on how much youcontribute and how much your fund earns frominvesting your contributions. The fund divides up itsinvestment earnings and pays your share to youraccount. If the fund loses money, your share of theloss is deducted from your account.The fees you pay in these funds should be set out inthe fund s product disclosure statement.The calculator will not work for defined benefitfunds. In these funds, the money you get when youretire usually depends on how long you have workedfor your employer and how much money you areearning from your employer when you retire. FIDOoffers other calculators for retirement income streamproducts.Where to find information you needfor the calculatorYou will need:your latest member statement (or annualbenefit statement) andyour fund s most up-to-date productdisclosure statement or member informationbooklet (older booklets may be out of date).Your fund s website may contain the latest version ofthese documents.What the calculator assumesHere we explain the calculator s assumptions. You canuse them as they are, or you can change some ofthem. Even small changes to assumptions can makelarge changes to the results the calculator produces. Insome cases, we suggest an acceptable range, outsidewhich your results may prove unlikely or unrealistic.The assumptions are described here in the same orderand under the same headings as they appear on thecalculator, starting on the first worksheet and thenmoving on to the  Assumptions  worksheet.Do you want to compare two funds? If you selectthis option, you can compare two similar funds side-by-side.With this option, the calculator will assume both fundsreceive the same contributions and earn the sameon their investments, so you can compare just theeffect of different fees and costs.If you don t want to make these assumptions, turn offthis option and run the calculator twice. (论文英语论文网提供整理,提供论文代写英语论文代写代写论文代写英语论文代写留学生论文代写英文论文留学生论文代写相关核心关键词搜索。

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