| The calculators at this site are designed to help 
							you to understand the issues that need to be considered in determining the 
							investment option or options suitable for you. However, the calculators should 
							not be seen as a substitute for professional advice from a financial planner 
							who takes into account your personal financial circumstances and needs. We 
							strongly recommend that you discuss your requirements with a qualified 
							financial adviser, who can take into account your personal financial position 
							and can help you choose a strategy that suits your own personal circumstances.
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