Pensions bulletin Average pension sector performance
Discrete performance percentage 1 year to 1 March 2015
2014
Asia Pacific ex Japan Eq Asia Pacific inc Japan Eq Commodity/Energy Deposit & Treasury
Europe Ex UK Equities Europe Inc UK Equities Flexible Investment Global Em Markets Eq Global Equities
Global Fixed Interest Global High Yield Global Property Japan Equities
Mixed Invt 0%-35% Shares
North America Equities Protected/Guaranteed Fds Specialist
Sterling Corporate Bond Sterling Fixed Interest Sterling High Yield Sterling Long Bond
Sterling Strategic Bond UK All Companies UK Direct Property UK Equity Income UK Gilt
UK Index-Linked Gilts UK Property Securities UK Smaller Companies Unclassified
Average
16.20 16.61 -13.13 -0.05 4.41 3.75 9.54
12.60 12.18 4.39 1.97
18.74 16.00 8.44
Mixed Invt 20%-60% Shares 6.81 Mixed Invt 40%-85% Shares 8.69 Money Market
0.11
20.75 2.95 8.86 9.44
10.53 3.88
20.51 5.69 3.99
13.47 7.23
11.18 16.42 15.85 -3.59 9.87
9.08
-9.79 -5.22
-19.61 -0.07 16.06 14.30 9.02
-13.51 9.41 -6.44 -9.66 -4.19 7.60 4.46 6.11 7.90 0.03
14.26 2.16 4.84 3.64 0.44 8.54 1.14 6.32
19.08 9.57
18.36 -1.64 -1.92 27.31 33.99 7.04
7.69 2013
14.75 12.57 -21.16 0.03
18.38 13.32 11.43 4.95
13.36 6.07
11.57 17.33 8.63 6.09 9.76
10.43 0.23
13.69 3.66 8.62
10.18 5.42
12.58 4.72
12.10 14.64 0.87
14.65 1.59 4.89
21.98 20.79 9.74
10.73 2012
2.63 -1.24 -7.73 0.11 -6.63 -4.65 0.33 -3.03 0.24 8.22 7.63 2.69 -6.00 4.99 3.81 1.77 0.39 4.39 0.55 1.96 7.88
12.87 2.72
21.16 2.94 1.88 2.94 2.53
15.55 20.66 -3.91 2.64 3.47
2.36 Cumulative perf. 2011
16.82 13.71 33.80 0.15
15.69 16.46 14.24 11.71 14.64 0.42 5.25
16.00 11.10 7.30
10.18 12.50 0.24
13.82 4.01 8.92 7.43 5.92
14.64 7.77 9.75
18.78 7.90
14.90 4.96 8.55
13.99 35.39 12.45
13.00 5 yrs Rk
£1,436.22 19 £1,396.08 23 £653.67 33 £1,000.88 32 £1,544.66 11 £1,554.12 10 £1,540.37 12 £1,102.70 30 £1,603.01 8 £1,120.77 29 £1,205.25 27 £1,612.44 7 £1,423.65 21 £1,367.23 25 £1,432.01 20 £1,488.07 15 £1,011.31 31 £1,867.97 3 £1,150.12 28 £1,440.93 17 £1,449.66 16 £1,399.56 22 £1,491.80 14 £1,663.67 6 £1,440.38 18 £1,715.74 4 £1,391.33 24 £1,708.71 5 £1,347.88 26 £1,571.18 9 £1,959.66 2 £2,160.35 1 £1,517.16 13
£1,520.99
Source: Lipper Hindsight. Discrete performance: Figures to 1 March 2015, total return, UK net, no initial charges. Top 5 returns shown in bold. Cumulative performance: Figures based on £1K lump sum investment as at 1 March 2015, total return, UK net, apply initial charges. Top 5 returns shown in bold.
Gross annual annuity payable monthly in advance. Purchase price £10K SINGLE LIFE AGE 65
Annuities Selection BEST PENSION ANNUITIES ACROSS ALL RANGES
SINGLE LIFE AGE 70
Level without Level g’td Esc 5% p.a. Level without Level g’td Esc 5% p.a. guarantee
Hodge Lifetime 11 Legal & General Prudential 8 SAGA 10
Canada Life 8
AEGON Aviva 1
Standard Life
£443 £451 £495 £506 £515 £503 £517 £452
Gross annual annuity payable monthly in advance. Purchase price £10K SINGLE LIFE AGE 65
BEST ENHANCED PENSION ANNUITIES SINGLE LIFE AGE 70
Level without Level g’td Esc 5% p.a. Level without Level g’td Esc 5% p.a. guarantee
Friends Life 2 £603
Just Retirement (Enhanced) £662 Just Retirement (Sm Plus) £602 Legal & General (Plus)12 LV= (Smoker)4 LV= (Special)6
MGM Advantage 7
Partnership (Enhanced) Partnership (Smoker) SAGA (Plus)13
£591 £570 £561 £610 £561 £573 £594
5 years without g’tee guarantee £598
£653 £599 £586 £565 £560 £606 £556 £569 £588
£338 £409 £356 £312 £355 £355 £365 £342 £334 £313
£686 £758 £707 £705 £667 £639 £735 £656 £691 £709
£737 £697 £695 £658 £632 £724 £647 £681 £699
£419 £508 £459 £397 £450 £430 £477 £432 £442 £399
5 years without g’tee £679
5 years without g’tee guarantee £441
£449 £493 £504 £513 £501 £515 £451
£212 £229 £246 -
£262 £256 £263 £201
£518 £532 £566 £591 £594 £588 £598 £517
£528 £564 £586 £591 £583 £594 £514
£279 £304 £316 -
5 years without g’tee £514
£324 £335 £326 £259
Our annuities page and selection charts are based on a lump sum investment of £10,000.
Please note that larger purchase prices may give a slightly different rate from pro rata. Some insurers will reduce their rates, whereas others may enhance them.
Minimum Purchase Price £1,000 Legal and General (Annuity Plus £5,000) SAGA (Annuity Plus £5,000)
Minimum Purchase Price £2,000 Just Retirement
1= Rates shown are based on a typical postcode and assume that the client is married. One year guarantee offered as standard. Minimum purchase price £10K. 2= Rates shown are based on a typical postcode and actual rates will vary depending on certain lifestyle factors that could include smoking status, alcohol consumption, height and weight. Minimum purchase price £10K. 4 = Minimum purchase price £10K. 5= Rates offered are available for a range of lifestyle and medical conditions including severe conditions. The rates provided are based on those suffering from moderate health conditions. 6= Rates offered by LV= (Special) only apply to regular smokers, diabetics or people with high blood pressure, weight problems or suffering from a range of critical illnesses. Rates shown assume a recent heart attack but other conditions would also qualify. Minimum purchase price £10K. 7= Rates offered by MGM Advantage are available for a range of lifestyle and medical conditions, including severe conditions. The rates provided are based on those suffering from moderate health conditions. Where monthly premium is less than £50 per month, payments are made on a quarterly basis. 8= Rates shown are based on a typical postcode and actual rates will vary depending on individual circumstances. Minimum purchase price £10K. 10=Rates shown are based on a typical postcode and actual rates will vary, depending on individual circumstances. Minimum purchase price £1K. Provided by Legal & General. 11 = Minimum purchase price £10K. Up to three funds accepted for annuity purchase. 12 = Legal & General offer Annuity Plus and Enhanced conventional pension annuity rates for people who suffer from a range of lifestyle or medical conditions, including more severe illnesses like cancers, stroke, diabetes and heart conditions. Legal & General Annuity Plus rates shown are based on a person who currently smokes an average of at least ten cigarettes per day and who has been a regular smoker for at least the last ten years, and lives in a typical postcode area. 13 = SAGA offer Annuity Plus and Enhanced conventional pension annuity rates for people who suffer from a range of lifestyle or medical conditions, including more severe illnesses like cancers, stroke, diabetes and heart conditions. SAGA Annuity Plus rates shown are based on a person who smokes an average of at least ten cigarettes per day and who has been a regular smoker for at least the last ten years, and lives in a typical postcode area.
March 2015
Minimum Purchase Price £5,000 AEGON MGM Advantage Partnership Standard Life
Minimum Purchase Price £10,000 Aviva
Canada Life Friends Life Hodge Lifetime LV= Prudential
51
Minimum Pension Annuity Purchase Price
Top performer in each sector
FL FS AsiaPac Lders AP(inet) Windsor Far East Growth 05 Aviva Invtec Gbl Energy (inet) FL Cash AP
Zurich European Sm Cos ZP (i) Scot Eq Lazard European Sm Cos Aviva Variable Annuity Acc(CU) FL Fidelity India Focus S3EP OMW F&C Gl Smaller Cos IT SCEQ AMR Managed
Cap Intl GloHIOpps(inet)-Pen Sanlam IP Premier PE PS S8 P L&G Legg Mason Japan Equity FL Lifestyle Ret 2015 AP
SIP Kames Ethical Cau Mgd P S8 Zurich Managed Income EP(inet) Royal London SH Ann Prot S2-Pn OMW OM North American Eq ReAss AL UK PPF 2024
FL AXA Fram Biotech AP(inet) RLP Corporate Bond-Pen
AXA Wealth TEAMS Fxd Int Trckr CIS Inv-Perp Europn High Yield M&GPP Super Long Fixed-Pen OMW Artemis High Income-Pen OMW JPM Mid Cap IT
Pru S3 Threadneedle Pen Prop Zurich UK Eq Alph IncZP (inet) AXA Wealth TEAMSActvUKLngGilts M&GPP UK Index Linked-Pen Std Life Aber Property Share 4 Aviva R&M UK Eq Sm Cos (inet) Sanlam IP OldMut UK SelMC S8
£1,823.20 £1,568.02 £916.63
£1,030.12 £1,956.81 £2,010.78 £2,314.46 £1,541.35 £2,344.66 £1,580.20 £1,384.77 £2,114.64 £2,654.61 £1,571.19 £1,789.58 £1,800.58 £1,289.82 £2,266.83 £1,538.94 £3,902.13 £1,647.46 £1,746.97 £1,627.42 £1,819.50 £1,668.91 £2,615.35 £1,588.64 £2,099.48 £1,751.60 £1,728.94 £2,067.21 £2,600.23 £2,416.49
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