Growth figures are based on Kaldi’s offering of the Vanguard LifeStrategy 100% Equity Fund – Acc 10 year returns.   At the time of last calculation this date ranged from  Sep28, 2015 – Sep 29^th 2025, using historic weekly returns.

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The range is resulting from taking the 20^thpercentile returns and 80^th percentile returns for 5 year windows during this 20 year period, in each case net of Kaldi’s platform fee of 0.15%.

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20^th percentile returns were calculated to be 7.57% annually, while 80^th percentile returns were calculated to be  11.49%.   Actual growth over the full 10 year period is 12.03% annually but was not utilized in any figures represented.   For reference the 50^th percentile returns were 9.62%.

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Past performance is not a reliable indicator of future results.  The value of investments and the income from them may fall as well as rise and investors may not get back the amount originally invested.