โ ๏ธ Returns are long-run historical averages: ASX 200 (RBA), MSCI World (MSCI), AU property (CoreLogic/RBA), Bonds (RBA AGS), Gold (WGC, AUD), Super Balanced (APRA). Past returns do not guarantee future results. No fees, tax, or inflation included in nominal view. This is educational only, not financial advice.