Source: Apt Wealth Partners aptwealth.com.au *Assumes savings are indexed by CPI (2.15%) annually over 19-year period. ^Total education costs for a child born in 2022, commencing kindergarten in 2027 and completing Year 12 in 2040. ## Assumes earnings of 6.0% pa and MER of 1.30%. **Assumes to focus on Australian shares, with 6.50% pa earnings and MER of 0.50%. ^^Assumes 3.5% pa interest rate