Old Mutual Wealth
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Why are the growth rates different for the uncrystallised sub account than for the crystallised sub account? They are both in the same assets.

  • August 06, 2020 14:49

The growth rates shown in the PDF are the weighted average shown over the period of the projection. The averages will be different if different proportions of the funds are held by the sub accounts at the start, or if something requested changes the mix over time, such as continuing regular contributions or withdrawals.

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Answers in this section

  • Is there a more appropriate means to compare charges than annuity purchase critical yield?
  • Is annuity purchase critical yield the most appropriate measure to use with clients?
  • Is there a means of producing a standalone annuity purchase critical yield calculation for crystallised sub accounts?
  • Why does Old Mutual Wealth take all the charges for both crystallised and uncrystallised money from the crystallised sub account?
  • Why does the annuity purchase critical yield on the last page of crystallised quotes look so high?
  • Why is the reduction in yield higher/lower than expected?
  • Why is the uncrystallised value at 5/10 years showing as zero?
  • Why is there no uncrystallised value projected after the selected retirement age/date?
  • Why is the ‘initial yearly income’ on my client’s yearly pension forecast much larger than in the previous forecast?
  • Why has my client received two ‘yearly pension forecast’ statements within a few months of each other?
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