Useing raw figures
2007- 3%
2008- 1.5% plus a level.(level worth approx 4%)= 5.5%
2009- 3%
2010- 3%
Makes a total of 3% + 5.5% + 3% + 3% = 14.5%
14.5% / 4 years = 3.625 % per annum
This is reality and the devil in the detail.
The data you feed in needs to be correct to calculate your outcomes. A level is 4.3% for lvl 13 to 7.5% for a level 3. The $77 between each grade is going to be adjusted so the figure combined over the four years is never less than 16% or 4%pa. Super savings go on top then the additional level for those currently waitlisted, ready for lvl 15 or entering L10 during life of agreement.