Investing your premium vs paying it away
See how much more you could have if you invested your monthly premium yourself instead of paying it to a third party.
Percentage gain vs paying premium away
If you paid the premium to a third party, you would have R0 in investment value. Investing it yourself at these inputs leaves you with this full investment value available to cover expenses.
A note on tax
This chart is a simplified model: it assumes post-tax contributions and ignores tax on investment gains, so real-world returns would be somewhat lower depending on how and where the funds are invested. The tax treatment of contributions and payouts under the CommuniFi model is one of the things we are validating with tax practitioners — we deliberately make no tax-saving claims until that is confirmed.