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[null,"Welcome to our interactive investment planning tool. It provides you with \"insider knowledge\" on the impact of charges. Go to \"Input area\", enter your investment value, your target growth rate (before charges) and how long (term) you wish to invest for. Then you can compare the output in your chosen currency. It provides 7 projections; 5 of which are the most popularly recommended offshore bond products (OMI - previously Royal Skandia, Generali, Royal London) and 2 of which are UK based. These projections are at  identical gross growth rates and so the differences are down to the impact of charges."]
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[null,"If you need any assistance with this, or further advice regarding your investment, please call us on +44 (0) 1225 436200, or email us at help@tailormadeadvice.com       © Aisa Direct Ltd 2014 (worldwide)"]
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[null,"Input area"]
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[null,"Name","Your Name"]
[null,"Email","You@Youremail.com"]
[null,"Telephone","01234567890"]
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[null,"    Input Currency",null,"Currency Output"]
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[null,"Investment",70000,{"$f":"Calc_sheet!W50","v":"GBP (£)"}]
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[null,"Growth Rate",7,"%"]
[null,"Term",15,"Years"]
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[null,"             ** See Disclaimer section for information"]
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[null,null,null,null,null,null,null,null,"Lowest Provider Return",null,null,"Extra Growth you receive from P4E"]
[null,null,null,null,null,null,null,null,{"$f":"Calc_sheet!AC45","v":117312.3151147749},null,{"$f":"Calc_sheet!X50","v":"GBP (£)"},{"$f":"Calc_sheet!AC48","v":0.40648006259267555},{"$f":"\"  equal to  \"","v":"  equal to  "},{"$f":"Calc_sheet!X50","v":"GBP (£)"},{"$f":"Calc_sheet!AC47","v":47685.117190745383}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"© Aisa Direct Ltd 2014 (worldwide)"]
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[null,"Assumptions"]
[null,{"$f":"Calc_sheet!A23","v":4},{"$f":"Calc_sheet!B23","v":"trades conducted annually (buy and sell will double)"},null,null,null,null,null,null,null,{"$f":"Calc_sheet!H23","v":"Generali Service Charge is annually reviewed in line with Irish earnings index"}]
[null,{"$f":"Calc_sheet!A24","v":15000},{"$f":"Calc_sheet!B24","v":"value of trades conducted (buy and sell will double)"},null,null,null,null,null,null,null,{"$f":"Calc_sheet!H24","v":"Rl PIMS first 10 dealings are free"}]
[null,{"$f":"Calc_sheet!A25","v":50000},{"$f":"Calc_sheet!B25","v":"Minimum Investment amount"},null,null,null,null,null,null,null,{"$f":"Calc_sheet!H25","v":"RL PIMS is flexible product"}]
[null,{"$f":"Calc_sheet!A26","v":1000000},{"$f":"Calc_sheet!B26","v":"Maximum Investment amount"},null,null,null,null,null,null,null,{"$f":"Calc_sheet!H26","v":"RL PIMS 10 year set up with 10 year surrender term"}]
[null,{"$f":"Calc_sheet!A27","v":2.5},{"$f":"Calc_sheet!B27","v":"Lowest growth rate"},null,null,null,null,null,null,null,{"$f":"Calc_sheet!H27","v":"RL PIMS 5 year set up with 5 year surrender term"}]
[null,{"$f":"Calc_sheet!A28","v":20},{"$f":"Calc_sheet!B28","v":"Highest growth rate"},null,null,null,null,null,null,null,{"$f":"Calc_sheet!H28","v":"If selected, then advice fees are 2%"}]
[null,{"$f":"Calc_sheet!A29","v":1.6},{"$f":"Calc_sheet!B29","v":"Fund AMC for active investments"},null,null,null,null,null,null,null,{"$f":"Calc_sheet!H29","v":"If selected, as a QROPS then the annual cost is £800"}]
[]
[null,"Provider Fees"]
[null,{"$f":"Calc_sheet!H14","v":"Platform "},"No Establishment fee /Surrender charge. €36 annual fee, 0.45% annual charge taken quarterly Fund charges 0.9% (Advice fee 2%)"]
[null,{"$f":"Calc_sheet!H15","v":"Generali"},"Establishment fee 2% and Commission/Surrender charge 7.5%, reducing at 1.5% over 5 years. €200 quarterly fee, Fund charges 1.6% "]
[null,{"$f":"Calc_sheet!H16","v":"OMI AV279"},"Establishment fee 1% added forever, Surrender charge 8%, reducing at 1%pa over 8 years. £96 quarterly fee, Fund charges 1.6% "]
[null,{"$f":"Calc_sheet!H17","v":"OMI AV797"},"Establishment fee /Surrender charge 8.8%, applied over 8 years. £96 quarterly fee, Fund charges 1.6% (Charges reduced for fee advice)"]
[null,{"$f":"Calc_sheet!H18","v":"Sterling Custodian"},"No Establishment fee /Surrender charge. £50 annual fee, 0.25% annual charge taken monthly. Fund charges 0.6% (Advice fee 2%)"]
[null,{"$f":"Calc_sheet!H19","v":"RL PIMS 5yr"},"Establishment fee /Surrender charge 8.5%, factored at 1.2 over 5 years. £90 quarterly fee, Fund charges 1.6% (Charges reduced for fee advice)"]
[null,{"$f":"Calc_sheet!H20","v":"RL PIMS 10yr"},"Establishment fee /Surrender charge 8.5%, factored at 1.3 over 10 years. £90 quarterly fee, Fund charges 1.6% "]
[]
[null,"Disclaimer"]
[null,"If \"Advice Fee Option\" is ticked then it shows the projections taking into account a fee of 2% and no commission."]
[null,"If \"Taxed\" is ticked then it allows for CGT/Income &Corporation Tax on annual growth within the funds only. It does NOT allow "]
[null,"for your own personal tax on realised funds, or at the point of access. You must contact a local accountant for personal taxes."]
[null,"If \"SIPP\" is ticked then it allows for a SIPP charge to be added to costs for each individual annual projection."]
[null,"If \"QROPS\" is ticked then it allows for a QROPS charge to be added to costs for each individual annual projection."]
[null,"These projections are not authorised as official by the companies and they take into account the additional charges for"]
[null,"trading infrequently on the relevant platforms (buying and selling a share or collective), as well as fund charges incurred."]
[null,"Exchange rates (July 2014) are £/$ 1.66, £/€ 1.22, €/$ 1.37"]
[null,"The value of investments can go up as well as down and past performance should not be used as a guide to future returns."]
[null,"The actual growth received on an investment will depend on the performance of the underlying assets."]
[null,"The same growth rate is used for all providers, and that growth rate is selected by the user above."]
[null,"For full cash-flow proections and and an accurate guide to requirements then please contact us for projections that will"]
[null,"be personalised to the user (you) with more accurate figures. These projections should not be used in isolation."]

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[null,"Percentage charges (%)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Fee's (Including QROPS Trustees)",null,null,null,null,"Dealing charges"]
[null,"Initial Allocation","Establishment Charge","How often","How many years?","Annual Charge",null,"Fund Charges","1 Cost","2 Cost","3 Cost","4 Cost","5 Cost","6 Cost","7 Cost","8 Cost","9 Cost","10 Cost","11 Cost","Currency","Admin / Portfolio (annual)","Service Charge (annual)","How often","Actual Cost","Currency or percentage","Dealing charge","Deals","Cost"]
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["Platform ",100,2,null,1,0.45,"quarterly",{"$f":"$A$29-0.6","v":1},{"$f":"(F4*POWER(1+(1/100),4))+H4+C4","v":3.4682718045000001},{"$f":"(($F$4)*POWER(1+(1/100),4))+$H$4","v":1.4682718045000001},1.4682718045000001,1.4682718045000001,1.4682718045000001,1.4682718045000001,1.4682718045000001,1.4682718045000001,1.4682718045000001,1.4682718045000001,1.4682718045000001,"Euro",{"$f":"36/Z45+C18/1.5","v":29.508196721311474},0,"annually",{"$f":"(((U4+V4)*POWER(1+(1/100),4)))","v":30.706347836065575},"%",0.2,{"$f":"$A$23*2","v":8},{"$f":"IF(Y4=\"%\",$A$24*Z4%*AA4,AA4*Z4)","v":240},null,null,null,{"$f":"IF(P7>10,P7,0)","v":0}]
["Generali",100,2,"quarterly",1,{"$f":"IF(E16,0.135*4,0.375*4)","v":1.5},"quarterly",{"$f":"$A$29/1","v":1.6},{"$f":"((C5+F5)*POWER(1+(1/100),4))+$H$5","v":5.2421140350000002},{"$f":"(($F$5)*POWER(1+(1/100),4))+$H$5","v":3.1609060150000001},{"$f":"(($F$5)*POWER(1+(1/100),4))+$H$5","v":3.1609060150000001},3.1609060150000001,3.1609060150000001,{"$f":"$H$5","v":1.6},{"$f":"$H$5","v":1.6},1.6,1.6,1.6,1.6,"Euro",{"$f":"C18","v":0},{"$f":"800/Z45","v":655.73770491803282},"quarterly",{"$f":"(((U5+V5)*POWER(1+(1/100),4)))","v":682.36328524590169},"Euro",{"$f":"50/Z45","v":40.983606557377051},{"$f":"$A$23*2","v":8},327.86885245901641,null,null,null,{"$f":"IF($S$13=0,0,AE4*POWER(1+(($C$16-#REF!)/100),$S$21)-((#REF!+#REF!)*(100+$C$16/2)%)*$S$21)","v":{"$error":"#REF!"}}]
["OMI AV279",100,0,null,null,1,"quarterly",{"$f":"$A$29/1","v":1.6},{"$f":"(($F$6)*POWER(1+(1/100),4))+$H$6","v":2.6406040100000001},{"$f":"(($F$6)*POWER(1+(1/100),4))+$H$6","v":2.6406040100000001},2.6406040100000001,2.6406040100000001,2.6406040100000001,2.6406040100000001,2.6406040100000001,2.6406040100000001,2.6406040100000001,2.6406040100000001,2.6406040100000001,"£",{"$f":"C18+96*4","v":384},0,"quarterly",{"$f":"((U6+V6)*POWER(1+(1/100),4))","v":399.59193984000001},"£",15,{"$f":"$A$23*2","v":8},120,null,null,null,{"$f":"IF($S$13=0,0,AE5*POWER(1+(($C$16-#REF!)/100),$S$21)-((#REF!+#REF!)*(100+$C$16/2)%)*$S$21)","v":{"$error":"#REF!"}}]
["OMI AV797",100,{"$f":"IF(E16,0.8,1.1)","v":1.1000000000000001},"quarterly",{"$f":"IF(E16,5,8)","v":8},0,null,{"$f":"$A$29/1","v":1.6},{"$f":"(($C$7)*POWER(1+(1/100),4))+$H$7","v":2.7446644110000005},{"$f":"(($C$7)*POWER(1+(1/100),4))+$H$7","v":2.7446644110000005},2.7446644110000005,2.7446644110000005,2.7446644110000005,{"$f":"IF($E$16,$H$7,(($C$7)*POWER(1+(1/100),4))+$H$7)","v":2.7446644110000005},{"$f":"IF($E$16,$H$7,(($C$7)*POWER(1+(1/100),4))+$H$7)","v":2.7446644110000005},2.7446644110000005,{"$f":"$H$7","v":1.6},{"$f":"$H$7","v":1.6},{"$f":"$H$7","v":1.6},"£",{"$f":"C18+96*4","v":384},0,"quarterly",{"$f":"((U7+V7)*POWER(1+(1/100),4))","v":399.59193984000001},"£",15,{"$f":"$A$23*2","v":8},120,null,null,null,{"$f":"IF($S$13=0,0,AE6*POWER(1+(($C$16-#REF!)/100),$S$21)-((#REF!+#REF!)*(100+$C$16/2)%)*$S$21)","v":{"$error":"#REF!"}}]
["Sterling Custodian",100,2,null,1,0.25,"monthly",{"$f":"$A$29-1","v":0.60000000000000009},{"$f":"(F8*POWER(1+(1/100),4))+H8+C8","v":2.8601510025000003},{"$f":"(($F$8)*POWER(1+(1/100),12))+$H$8","v":0.88170625753299259},0.88170625753299259,0.88170625753299259,0.88170625753299259,0.88170625753299259,0.88170625753299259,0.88170625753299259,0.88170625753299259,0.88170625753299259,0.88170625753299259,"£",{"$f":"IF(C18/4>190,500,IF(C18=0,0,150))","v":0},0,null,{"$f":"((U8+V8)*POWER(1+(1/100),4))","v":0},"£",12.5,{"$f":"$A$23*2","v":8},100,null,null,null,{"$f":"IF($S$13=0,0,AE7*POWER(1+(($C$16-#REF!)/100),$S$21)-((#REF!+#REF!)*(100+$C$16/2)%)*$S$21)","v":{"$error":"#REF!"}}]
["RL PIMS 5yr",100,{"$f":"IF(E16,IF(C15>499000,(3.5*1.2)/5,(4.08*1.2)/5),(8.5*1.2)/5)","v":2.04},"quarterly",5,0,null,{"$f":"$A$29/1","v":1.6},{"$f":"(($C$9)*POWER(1+(1/100),4))+$H$9","v":3.7228321804000002},{"$f":"(($C$9)*POWER(1+(1/100),4))+$H$9","v":3.7228321804000002},{"$f":"(($C$9)*POWER(1+(1/100),4))+$H$9","v":3.7228321804000002},{"$f":"(($C$9)*POWER(1+(1/100),4))+$H$9","v":3.7228321804000002},{"$f":"(($C$9)*POWER(1+(1/100),4))+$H$9","v":3.7228321804000002},{"$f":"$H$9","v":1.6},1.6,1.6,1.6,1.6,1.6,"£",{"$f":"C18+90*4","v":360},0,"quarterly",{"$f":"((U9+V9)*POWER(1+(1/100),4))","v":374.6174436},"£",20,{"$f":"IF($A$23>5,($A$23*2)-10,0)","v":0},0,null,null,null,{"$f":"IF($S$13=0,0,AE8*POWER(1+(($C$16-#REF!)/100),$S$21)-((#REF!+#REF!)*(100+$C$16/2)%)*$S$21)","v":{"$error":"#REF!"}}]
["RL PIMS 10yr",100,{"$f":"(8.5*1.3)/10","v":1.105},"quarterly",10,0,null,{"$f":"$A$29/1","v":1.6},{"$f":"(($C$10)*POWER(1+(1/100),4))+$H$10","v":2.7498674310500002},{"$f":"(($C$10)*POWER(1+(1/100),4))+$H$10","v":2.7498674310500002},2.7498674310500002,2.7498674310500002,2.7498674310500002,2.7498674310500002,2.7498674310500002,2.7498674310500002,2.7498674310500002,2.7498674310500002,{"$f":"$H$10","v":1.6},"£",{"$f":"C18+90*4","v":360},0,"quarterly",{"$f":"((U10+V10)*POWER(1+(1/100),4))","v":374.6174436},"£",20,{"$f":"IF($A$23>5,($A$23*2)-10,0)","v":0},0,null,null,null,{"$f":"IF($S$13=0,0,AE9*POWER(1+(($C$16-#REF!)/100),$S$21)-((#REF!+#REF!)*(100+$C$16/2)%)*$S$21)","v":{"$error":"#REF!"}}]
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[null,null,null,"Output - no surrender",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AF4-10","v":-10}]
[null,null,null,null,null,null,null,null,1,2,3,4,5,6,7,8,9,10,{"$f":"IF(C17>9,C17,0)","v":15},"RETURN",0.02,0.14000000000000001,0.02,0.14000000000000001]
["INPUT SHEET",null,null,null,null,null,null,{"$f":"A4","v":"Platform "},{"$f":"$C$15*(100+$C$16-I4)%-(($X4+$AB4)*(100+$C$16/$H$30)%)","v":72192.028666839658},{"$f":"I14*(100+$C$16-J4)%-(($X4+$AB4)*(100+$C$16/$L$30)%)","v":75898.997920046822},{"$f":"J14*(100+$C$16-K4)%-(($X4+$AB4)*(100+$C$16/$L$30)%)","v":79811.026636632159},83939.458148748905,88296.26327085332,92894.075010320172,97746.225198155124,102866.78314601856,108270.59644165085,113973.33400098982,{"$f":"IF($S$13=0,0,R14*POWER(1+(($C$16-S4)/100),$S$21)-(($X4+$AB4)*(100+$C$16/$L$30)%)*$S$21)","v":147750.22626241529},{"$f":"HLOOKUP($C$17,$I$13:$S$20,2)*W51","v":147750.22626241529},2,2,2,2]
["Investment",null,{"$f":"Investment_Projections!C27","v":70000},null,"Aisa Fees","QROPS",null,{"$f":"A5","v":"Generali"},{"$f":"$C$15*(100+$C$16-I5)%-(($X5+$AB5)*(100+$C$16/$H$30)%)","v":70184.929912975407},{"$f":"I15*(100+$C$16-J5)%-(($X5+$AB5)*(100+$C$16/$L$30)%)","v":71810.232989903205},73497.932979495366,75250.425357872809,77070.197565736118,80162.825888548177,83422.456140792085,86858.106426657163,90479.281827958956,94296.00070093105,{"$f":"IF($S$13=0,0,R15*POWER(1+(($C$16-S5)/100),$S$21)-(($X5+$AB5)*(100+$C$16/$L$30)%)*$S$21)","v":117312.3151147749},{"$f":"HLOOKUP($C$17,$I$13:$S$20,3)*W51","v":117312.3151147749},7,7,7,7,"RANK 7"]
["Growth Rate",null,{"$f":"IF(E18,Investment_Projections!C29*0.96,Investment_Projections!C29)","v":7},null,false,false,null,"OMI AV279",72513.799535265585,75125.0617347386,77850.159193823813,80694.05444226398,83661.926346124455,86759.179538750162,89991.454262855332,93364.636641668927,96884.86939783991,100558.56303962208,121723.97588553675,{"$f":"HLOOKUP($C$17,$I$13:$S$20,4)*W51","v":121723.97588553675},6,6,6,6]
["Term",null,{"$f":"Investment_Projections!C30","v":15},null,"Taxed","SIPP",null,"OMI AV797",72440.957254565597,74973.661619967403,77614.141055594315,80366.981752365682,83236.965059015245,86229.075786711022,89348.510867064717,92600.688378568462,97051.224081347173,101742.08871207593,129594.32409522815,{"$f":"HLOOKUP($C$17,$I$13:$S$20,5)*W51","v":129594.32409522815},5,4,3,3]
["QROPS Annual cost",null,{"$f":"IF(F16,800,IF(F18,600,0))","v":0},"Comms",false,false,null,"Sterling Custodian",72794.394298250001,77142.33583613325,81756.29720905493,86652.554291935929,91848.378765533926,97362.099042769638,103213.1649227046,109422.21620023924,116011.15547355387,123003.22540612264,164997.43230552028,{"$f":"HLOOKUP($C$17,$I$13:$S$20,6)*W51","v":164997.43230552028},1,1,1,1,"RANK 1"]
["Aisa initial fee",null,{"$f":"IF(E16,2,0)","v":0},7,null,null,null,"RL PIMS 5yr",71906.288419593999,73866.308036139686,75890.560784816655,77981.151693160646,80140.254773992361,84071.358403977953,88214.741629982775,92581.867550191848,97184.818270092219,102036.32832886721,130744.22111130315,{"$f":"HLOOKUP($C$17,$I$13:$S$20,7)*W51","v":130744.22111130315},3,3,4,4]
[null,null,null,null,null,null,null,"RL PIMS 10yr",72587.363744138987,75275.95280376084,78078.810462650916,81000.793287762775,84046.964256583844,87222.601529856678,90533.207597152592,93984.518811144284,97582.515327097659,101333.43146480525,129829.90860526774,{"$f":"HLOOKUP($C$17,$I$13:$S$20,8)*W51","v":129829.90860526774},4,5,5,5]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"S13-10","v":5},{"$f":"T18-T15","v":47685.117190745383},"DIFFERENCE",null,null,null,null,null,null,null,null,"year 1 - X line chart"]
["Assumptions",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"C15*W51","v":70000}]
[4,"trades conducted annually (buy and sell will double)",null,null,null,null,null,"Generali Service Charge is annually reviewed in line with Irish earnings index",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Platform Multi-Currency",{"$f":"T34","v":147750.22626241529},{"$f":"$AD$22","v":70000}]
[15000,"value of trades conducted (buy and sell will double)",null,null,null,null,null,"Rl PIMS first 10 dealings are free",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Generali",{"$f":"T35","v":117312.3151147749},{"$f":"$AD$22","v":70000}]
[50000,"Minimum Investment amount",null,null,null,null,null,"RL PIMS is flexible product",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"OMI (Royal Skandia) AV279",121723.97588553675,70000]
[1000000,"Maximum Investment amount",null,null,null,null,null,"RL PIMS 10 year set up with 10 year surrender term",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"OMI (Royal Skandia) (5%)",129594.32409522815,70000]
[2.5,"Lowest growth rate",null,null,null,null,null,"RL PIMS 5 year set up with 5 year surrender term",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Sterling only custodian",164997.43230552028,70000]
[20,"Highest growth rate",null,null,null,null,null,"If selected, then advice fees are 2%",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Royal London PIMS 5yr",130744.22111130315,70000]
[1.6,"Fund AMC for active investments",null,null,null,null,null,"If selected, as a QROPS then the annual cost is £800",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Royal London PIMS 10yr",129829.90860526774,70000]
[null,null,"Impact of ongoing charges factor",null,null,null,null,2,"Impact of ongoing charges year 2 onwards",null,null,1.2]
[]
[null,null,null,"Output - after surrender"]
[null,null,null,"Early Discontinuation",null,null,null,null,1,2,3,4,5,6,7,8,9,10,{"$f":"S13","v":15},"RETURN","Surrender","Earnings",null,null,null,null,null,null,null,"Year 4 discontinuation comparison"]
[null,null,null,null,null,null,{"$f":"H14","v":"Platform "},null,{"$f":"I14*(100-I45)%","v":72192.028666839658},75898.997920046822,79811.026636632159,83939.458148748905,88296.26327085332,92894.075010320172,97746.225198155124,102866.78314601856,108270.59644165085,113973.33400098982,147750.22626241529,{"$f":"HLOOKUP($C$17,$I$33:$S$40,2)*W51","v":147750.22626241529},{"$f":"T34-T14","v":0},{"$f":"$C$19%*$C$15","v":0},null,null,null,null,null,null,null,"Continuing with your plan","Stopping your plan early","Initial Investment Amount"]
[null,null,null,null,null,null,"Generali",null,{"$f":"I15*(100-I46)%","v":65131.614959241175},67788.859942468625,70558.015660315548,73444.415149283857,76453.635985210232,80162.825888548177,83422.456140792085,86858.106426657163,90479.281827958956,94296.00070093105,117312.3151147749,{"$f":"HLOOKUP($C$17,$I$33:$S$40,3)*W51","v":117312.3151147749},0,{"$f":"IF(E16,2%*$C$15,$D$19%*$C$15)","v":4900.0000000000009},null,null,null,null,null,null,{"$f":"AC23","v":"Platform Multi-Currency"},{"$f":"L14*$W$51","v":83939.458148748905},{"$f":"L34*$W$51","v":83939.458148748905},{"$f":"AE23","v":70000}]
[null,null,null,null,null,null,"OMI AV279",null,{"$f":"I16*(100-I47)%","v":67075.264570120664},70241.9327219806,73568.400438163502,77062.821992362093,80733.758924010093,84590.200050281404,88641.582448912493,92897.813458460587,96884.86939783991,100558.56303962208,121723.97588553675,{"$f":"HLOOKUP($C$17,$I$33:$S$40,4)*W51","v":121723.97588553675},0,{"$f":"$D$19%*$C$15","v":4900.0000000000009},null,null,null,null,null,null,{"$f":"AC24","v":"Generali"},75250.425357872809,{"$f":"L35*$W$51","v":73444.415149283857},70000]
[null,null,null,null,null,null,"OMI AV797",null,{"$f":"I17*(100-I48)%","v":66790.562588709479},69950.426291429583,73267.749156481033,76750.467573509217,80406.908247008731,84245.80704361666,88276.32873665994,92508.087690189903,97051.224081347173,101742.08871207593,129594.32409522815,{"$f":"HLOOKUP($C$17,$I$33:$S$40,5)*W51","v":129594.32409522815},0,{"$f":"IF(E16,2%*$C$15,$D$19%*$C$15)","v":4900.0000000000009},null,null,null,null,null,null,"OMI (Royal Skandia) AV279",80694.05444226398,77062.821992362093,70000]
[null,null,null,null,null,null,"Sterling Custodian",null,{"$f":"I18*(100-I49)%","v":72794.394298250001},77142.33583613325,81756.29720905493,86652.554291935929,91848.378765533926,97362.099042769638,103213.1649227046,109422.21620023924,116011.15547355387,123003.22540612264,164997.43230552028,{"$f":"HLOOKUP($C$17,$I$33:$S$40,6)*W51","v":164997.43230552028},0,{"$f":"$C$19%*$C$15","v":0},null,null,null,null,null,null,"OMI (Royal Skandia) (5%)",80366.981752365682,76750.467573509217,70000]
[null,null,null,null,null,null,"RL PIMS 5yr",null,{"$f":"I19*(100-I50)%","v":65290.909884991343},68577.48038075208,72004.964072634044,75579.332221011296,79306.796124342844,84071.358403977953,88214.741629982775,92581.867550191848,97184.818270092219,102036.32832886721,130744.22111130315,{"$f":"HLOOKUP($C$17,$I$33:$S$40,7)*W51","v":130744.22111130315},0,{"$f":"IF(E16,2%*$C$15,$D$19%*$C$15)","v":4900.0000000000009},null,null,null,null,null,null,"Sterling only custodian",86652.554291935929,86652.554291935929,70000]
[null,null,null,null,null,null,"RL PIMS 10yr",null,{"$f":"I20*(100-I51)%","v":64929.396869132332},68166.139061445632,71567.037670065823,75140.385893393133,78894.885347655261,82839.665802981384,86984.305859344211,91338.854606610577,95913.854315004297,100720.36420444318,129829.90860526774,{"$f":"HLOOKUP($C$17,$I$33:$S$40,8)*W51","v":129829.90860526774},0,{"$f":"$D$19%*$C$15","v":4900.0000000000009},null,null,null,null,null,null,"Royal London PIMS 5yr",77981.151693160646,75579.332221011296,70000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"T38-T35","v":47685.117190745383},"DIFFERENCE",null,null,null,null,null,null,null,"Royal London PIMS 10yr",81000.793287762775,75140.385893393133,70000]
[]
[null,null,"Surrender Charge","How often reduces",null,"Amount reduces by","How many years?",null,"1 Cost","2 Cost","3 Cost","4 Cost","5 Cost","6 Cost","7 Cost","8 Cost","9 Cost","10 Cost"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Currency In","Currency Out",null,null,null,"Input sheet data table",null,"Fee change 2%"]
["Platform 1 ",null,{"$f":"C65","v":0},null,null,0,0,null,0,0,0,0,0,0,0,0,0,0,null,null,null,null,"EURO (€)","EURO (€)","£/€",1.22,null,"Min",{"$f":"MIN(T34:T40)","v":117312.3151147749},{"$f":"SUM(AC45*2%)","v":2346.246302295498}]
["Generali",null,{"$f":"IF(E16,2,8)","v":8},"quarterly",null,{"$f":"IF(E16,0.1,0.4)","v":0.4},5,null,{"$f":"IF(E16,C46-0.2,C46-0.8)","v":7.2},{"$f":"I46-$C46/$G46","v":5.6},{"$f":"J46-$C46/$G46","v":3.9999999999999996},2.3999999999999995,0.79999999999999938,0,0,0,0,0,null,null,null,null,"GBP (£)","GBP (£)","£/$",1.66,null,"Max",{"$f":"MAX(T34:T40)","v":164997.43230552028},{"$f":"SUM(AC46*2%)","v":3299.9486461104057}]
["RS AV279",null,8,"annually",null,1,8,null,{"$f":"C47-0.5","v":7.5},{"$f":"I47-$C47/$G47","v":6.5},5.5,4.5,3.5,2.5,1.5,0.5,0,0,null,null,null,null,"USD ($)","USD ($)","€/$",1.37,null,"Difference",{"$f":"SUM(AC46-AC45)","v":47685.117190745383},{"$f":"SUM(AD46-AD45)","v":953.70234381490764}]
["RS AV797",null,{"$f":"IF(E16,4,8.8)","v":8.8000000000000007},"annually",null,{"$f":"IF(E16,0.8,1.1)","v":1.1000000000000001},{"$f":"IF(E16,5,8)","v":8},null,{"$f":"C48-1","v":7.8000000000000007},{"$f":"IF((I48-$C48/$G48)<0,0,I48-$C48/$G48)","v":6.7000000000000011},5.6000000000000014,4.5000000000000018,{"$f":"IF((L48-$C48/$G48)<0,0,L48-$C48/$G48)","v":3.4000000000000017},{"$f":"IF((M48-$C48/$G48)<0,0,M48-$C48/$G48)","v":2.3000000000000016},1.2000000000000015,0.10000000000000142,0,0,null,null,null,null,"User input:","User input:",null,null,null,"%",{"$f":"(AC46-AC45)/AC45","v":0.40648006259267555}]
["Ascentric",null,0,null,null,0,0,null,0,0,0,0,0,0,0,0,0,0,null,null,null,null,2,2]
["RL PIMS 5yr",null,{"$f":"IF(E16,IF($C$15>499000,3.35,3.9),10.2)","v":10.199999999999999},null,null,{"$f":"C50/5","v":2.04},5,null,{"$f":"IF(E16,IF($C$15>499000,C50-0.3,C50-0.4),C50-1)","v":9.1999999999999993},{"$f":"IF((I50-$C50/$G50)<0,0,I50-$C50/$G50)","v":7.1599999999999993},5.1199999999999992,3.0799999999999992,{"$f":"IF((L50-$C50/$G50)<0,0,L50-$C50/$G50)","v":1.0399999999999991},0,0,0,0,0,null,null,null,null,{"$f":"IF(W49=3,W47,IF(W49=2,W46,W45))","v":"GBP (£)"},{"$f":"IF(X49=3,X47,IF(X49=2,X46,X45))","v":"GBP (£)"}]
["RL PIMS 10yr",null,11.05,null,null,1.105,10,null,{"$f":"C51-0.5","v":10.55},{"$f":"I51-$C51/$G51","v":9.4450000000000003},{"$f":"J51-$C51/$G51","v":8.34},7.2349999999999994,6.129999999999999,5.0249999999999986,3.9199999999999986,2.8149999999999986,1.7099999999999986,0.60499999999999865,null,null,null,null,{"$f":"IF(W49=1,IF(X49=2,1/Z45,Z47),IF(W49=X49,1,IF(W49=2,IF(X49=1,Z45,Z46),IF(W49=3,IF(X49=1,1/Z47,1/Z46)))))","v":1}]
["RL PIMS 5yr",null,9.7750000000000004,null,null,1.2218800000000001,8,null,{"$f":"C9","v":2.04},{"$f":"$I52+I52","v":4.08},{"$f":"$I52+J52","v":6.12},{"$f":"$I52+K52","v":8.16},{"$f":"$I52+L52","v":10.199999999999999},0,0,0,0,0]
["RL PIMS 10yr",null,9.35,null,null,0.93500000000000005,10,null,{"$f":"C10","v":1.105},{"$f":"$I53+I53","v":2.21},{"$f":"$I53+J53","v":3.3149999999999999},4.42,5.5250000000000004,6.6300000000000008,7.7350000000000012,8.8400000000000016,9.9450000000000021,11.050000000000002]
["RL PIMS 5yr",null,9.7750000000000004,null,null,1.2218800000000001,8,null,{"$f":"C54","v":9.7750000000000004},{"$f":"I54-$C54/$G54","v":8.5531249999999996},7.3312499999999998,6.109375,4.8875000000000002,3.6656250000000004,2.4437500000000005,1.2218750000000005,0,0]
["RL PIMS 10yr",null,9.35,null,null,0.93500000000000005,10,null,{"$f":"C55","v":9.35},{"$f":"I55-$C55/$G55","v":8.4149999999999991},7.4799999999999995,6.5449999999999999,5.61,4.6750000000000007,3.7400000000000007,2.8050000000000006,1.8700000000000006,0.93500000000000061]
[]
[]
[null,null,null,null,null,8.5,2,3,4,5,6,7,8,9,10]
[null,null,null,null,null,0.11,{"$f":"$F$59+F59","v":0.22},0.33,0.44,0.55000000000000004,0.66,0.77,{"$f":"$F$59+L59","v":0.88},{"$f":"$F$59+M59","v":0.99},{"$f":"$F$59+N59","v":1.1000000000000001}]
[null,null,null,null,null,{"$f":"$F$58*F59","v":0.93500000000000005},1.87,2.8050000000000002,3.74,4.6750000000000007,5.61,6.5449999999999999,7.48,{"$f":"$F$58*N59","v":8.4149999999999991},{"$f":"$F$58*O59","v":9.3500000000000014}]
[null,null,null,null,null,8.5,2,3,4,5,6,7,8]
[null,null,null,null,null,0.14374999999999999,{"$f":"$F$62+F62","v":0.28749999999999998},0.43124999999999997,0.57499999999999996,0.71875,0.86250000000000004,1.0062500000000001,1.1500000000000001]
[null,null,null,null,null,{"$f":"$F$58*F62","v":1.2218749999999998},2.4437499999999996,3.6656249999999999,4.8874999999999993,6.109375,7.3312500000000007,8.5531250000000014,9.7750000000000004]
[null,null,null,null,null,{"$f":"G63-F63","v":1.2218749999999998},1.2218750000000003,1.2218749999999994,1.2218750000000007,1.2218750000000007,1.2218750000000007,{"$f":"M63-L63","v":1.2218749999999989},{"$f":"N60-M60","v":0.93499999999999872},{"$f":"O60-N60","v":0.93500000000000227}]
[]
[]
[null,null,null,null,null,null,null,null,{"$f":"(100-I46)%","v":0.92799999999999994}]

{"sheet":"Sheet1","index":2,"n_rows":0,"n_cols":0,"rows_kept":0,"cut":false,"hidden":false,"merged":[]}