With Profits Personal Pensions 5 YEAR TERM COMPANY
Average Performance Lowest Performance Highest Performance AEGON AEGON Aviva Aviva
Friends Life (Ex AXA) a Legal & General LV=
MGM Advantage NFU Mutual
TWP/ Accumulated Death UWP
Fund
£6,183.44 £5,536.75 £7,410.00
UWP £5,892.58 ROF
STK UWP £5,892.58 ROF UWP £5,825.11 ROF
STK UWP £5,825.11 ROF UWP UWP UWP
£7,410.00 -
£6,760.92
ROF ROF ROF
UWP £5,536.75 ROF
Phoenix Life (Ex Brit Ass’nce) a -- Prudential
Royal London (Ex Co-Op Ins) b -- Royal London (Ex Co-Op Ins) b STK UWP Scottish Widows Standard Life Standard Life
Wesleyan Assurance c
STK UWP UWP
-
UWP £5,795.19 ROF -
£6,644.21 ROF
UWP £5,727.12 ROF UWP £6,159.54 ROF ROF ROF
£6,214.02 £6,701.67
Basis 10 YEAR TERM
TWP/ Accumulated Death UWP Fund
Basis
£13,893.86 £12,540.12 £16,338.00
UWP £13,741.78 ROF UWP £13,741.78 ROF UWP £12,819.00 ROF UWP £12,819.00 ROF UWP £16,338.00 ROF UWP £12,867.00 ROF UWP £15,395.02 ROF UWP £12,540.12 ROF
- - - -
UWP £13,282.00 ROF -
-
UWP £14,751.25 ROF UWP £12,615.27 ROF UWP £13,899.96 ROF UWP £14,244.61 ROF UWP £15,459.25 ROF
15 YEAR TERM
TWP/ Accumulated Death UWP Fund
Basis
£22,956.61 £19,496.90 £25,720.26
UWP £23,772.86 ROF -
- - -
UWP £19,728.39 ROF -
- UWP
UWP £25,251.00 ROF UWP £23,232.00 ROF UWP £24,091.69 ROF UWP £19,496.90 ROF Unwilling to supply £23,334.14
ROF
UWP £23,282.00 ROF TWP -
£22,959.39 -
ROF -
TWP £21,231.54 ROF UWP £23,379.23 ROF -
- - UWP £25,720.26 ROF Top 5 results are shown in bold. STK = Stakeholder. ROF = Return of fund. RWI = Return of premiums with interest.
PAST PERFORMANCE
The following tables show the accumulated cash fund after own charges have been deducted on 1 January 2015 for a male retiring at the age of 65 years having contributed a gross annual premium of £1,000 (n prems over n years). The death basis is return of fund unless otherwise stated. The 5, 10, 15 and 20 year term figures show the results payable under Personal Pension contracts which replaced Section 226 contracts on 1 July 1988.
20 YEAR TERM
TWP/ Accumulated Death UWP Fund
Basis
£35,497.16 £30,631.54 £44,172.44
UWP £35,539.45 ROF -
- - -
UWP £30,631.54 ROF -
-
UWP £42,362.00 ROF UWP £31,589.00 ROF TWP £44,172.44
RNI UWP £31,846.32 ROF UWP £32,092.22
£33,710.52 -
ROF
UWP £35,925.40 ROF TWP -
ROF -
TWP £32,958.39 ROF UWP £33,938.29 ROF -
- a = Product no longer available. b = Death basis for 25 year term is the greater of return of fund or premiums with interest of 5%. c = RWI 5%. Unit-Linked Personal Pensions
The following tables show the accumulated cash fund after own charges have been deducted on 1 January 2015 for a male retiring at the age of 65 years having contributed a gross annual premium of £1,000 into a balanced managed fund (n premiums over n years). The death basis is return of fund unless otherwise stated.
5 YEAR TERM COMPANY
Average Performance Lowest Performance Highest Performance Aviva Aviva
Friends Life (Ex AXA) a Friends Life (Ex AXA) Legal & General Legal & General MGM Advantage NFU Mutual d NFU Mutual
Accumulated Death Fund
Basis
£6,167.85 £5,889.70 £6,367.00
STK STK STK
£6,139.00 -
£6,152.82
£6,061.92 ROF £6,061.92 ROF £6,113.00 ROF ROF ROF ROF
£5,889.70 ROF STK
Phoenix Life (Ex Brit Ass’nce) a Prudential Prudential
Royal London (Ex Co-Op Ins) b Scottish Widows Scottish Widows Standard Life Standard Life
Wesleyan Assurance Wesleyan Assurance
-- £6,367.00 STK ROF STK STK STK
£6,367.00 ROF £6,058.99 ROF £6,088.62 ROF £6,090.89 ROF £6,321.59 ROF ROF
£6,323.51 £6,314.01 - -
£14,919.00 ROF £14,919.00 ROF -
-
-- - ROF
£13,853.87 ROF £13,867.44 ROF £14,503.76 ROF £14,510.69 ROF -
£14,699.49 ROF 10 YEAR TERM
Accumulated Death Fund
Basis
£14,097.26 £13,515.00 £14,919.00
£13,725.77 ROF £13,725.77 ROF £13,515.00 ROF £13,515.00 ROF £14,043.12 ROF £14,043.12 ROF £13,520.64 ROF
15 YEAR TERM Accumulated
Fund
£23,116.73 £19,665.00 £25,192.00
£21,659.90 ROF -
-
£19,965.00 ROF -
-
£24,720.07 ROF -
- £20,975.04 ROF
Unwilling to supply Unwilling to supply
£23,084.70 ROF £25,192.00 ROF - -
- -
£22,575.55 ROF -
-
£25,042.17 ROF -
-
£24,836.13 ROF -
- Top 5 results are shown in bold. STK = Stakeholder. ROF = Return of fund. a = Product no longer available. b = Figures are based on a previous product that is no longer available. d = Personal pension fund no longer available, only Stakeholder funds offered. PAST PERFORMANCE IS NOT NECESSARILY A GUIDE TO FUTURE PERFORMANCE. 52 March 2015
£36,506.75 - -
£31,622.90 ROF ROF - -
£33,431.34 -
£37,583.34 -
£38,808.67 -
ROF -
ROF -
ROF -
£60,645.10 - -
£51,217.67 ROF ROF - -
£52,988.70 ROF -
-
£58,647.72 -
£60,310.47 -
ROF -
ROF -
20 YEAR TERM
Death Basis
Accumulated Death Fund
Basis
£34,258.35 £30,700.00 £38,808.67
£32,888.27 ROF -
-
£30,700.00 ROF -
-
£33,150.93 ROF -
- £33,633.01 ROF
25 YEAR TERM Accumulated
Fund
£54,877.71 £49,708.00 £60,645.10 £53,225.23 -
Death Basis
- UWP £41,200.45 ROF 25 YEAR TERM
TWP/ Accumulated Death UWP Fund
Basis
£58,777.71 £49,021.58 £78,022.97
UWP £58,799.85 ROF -
- - -
UWP £49,503.04 ROF -
-
UWP £64,918.00 ROF UWP £50,089.00 ROF TWP £78,022.97 RNI -
- UWP £53,148.68
£55,211.52 -
- ROF
TWP £63,140.51 ROF TWP -
ROF -
TWP £49,021.58 ROF UWP £51,608.37 ROF -
- TWP = Traditional with profit. UWP = Unitised with profit. - TWP £73,091.31 ROF
ROF -
£49,708.00 ROF -
-
£52,278.86 ROF - -
- -
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