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{"sheet":"Investment_Projections","index":0,"n_rows":123,"n_cols":31,"rows_kept":123,"cut":false,"hidden":false,"merged":[[38,9,38,10],[1,1,3,15],[20,2,20,3],[18,2,18,3],[38,11,38,14],[30,2,30,3],[9,1,14,4],[38,6,38,8],[41,3,41,6],[41,7,41,9],[41,12,41,13],[41,1,41,2],[39,6,39,7]]}
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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 (was Royal Skandia), Generali, Royal London, Hansard, Friends) 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. You can also assess a plan already commenced (Beware - put the correct ORIGINAL term into the calculator as surrender values alter depending on this - then put the number of full years completed.)"]
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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,"Invest Monthly",1000,{"$f":"Calc_sheet!AM66","v":"GBP (£)"}]
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[null,"Growth Rate",7,"%"]
[null,"ORIGINAL Term",5,"Years"]
[null,"Company","Royal London"]
[null,"Years Completed",3,"Years"]
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[null,null,"Bid / Offer Fund Spread"]
[null,null,5,"%"]
[null,"             ** See Disclaimer section for information"]
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[null,null,null,null,null,null,"Lowest Provider Return",null,null,"Total Return with EME",null,"Extra Growth you receive from EME"]
[null,null,null,null,null,null,{"$f":"Calc_sheet!AN66","v":"GBP (£)"},null,{"$f":"Calc_sheet!AS61","v":54531.693555404963},{"$f":"Calc_sheet!AN66","v":"GBP (£)"},{"$f":"Calc_sheet!AS62","v":69063.148115238844},{"$f":"Calc_sheet!AS64","v":0.26647722842258181},{"$f":"\"  equal to  \"","v":"  equal to  "},{"$f":"Calc_sheet!AN66","v":"GBP (£)"},{"$f":"Calc_sheet!AS63","v":14531.454559833881}]
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[null,"EXAMPLE VALUATION",null,{"$f":"C31","v":"Royal London"},null,null,null,"Projected Value ",null,null,{"$f":"IF(C32=0,0,Calc_sheet!AL34)","v":32465.221637662362},{"$f":"C32&\" Year\"","v":"3 Year"},"Surrender Value ",null,{"$f":"IF(C32=0,0,Calc_sheet!AL57)","v":32465.221637662362}]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Hallmark"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Generali Vision"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Royal Skandia"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Royal Skandia EWA"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Hansard"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Ascentric"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Royal London"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Friends Provident"]
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[null,null,null,null,null,null,null,null,null,null,null,null,"© Aisa Direct Ltd 2014 (worldwide)"]
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[null,"Provider Fees"]
[null,{"$f":"Calc_sheet!G49","v":"Hallmark"},"No Establishment fee /Surrender charge. €48 annual fee, 0.3% annual charge taken quarterly Fund charges 0.9% (Inception fee £500)"]
[null,{"$f":"Calc_sheet!G50","v":"Generali Vision"},"As published in Generali Vision doc \"Plan for Life\""]
[null,{"$f":"Calc_sheet!G51","v":"OMI (Royal Skandia)"},"As published in Royal Skandia \"Managed Pension Account\" - Regular savings plan"]
[null,{"$f":"Calc_sheet!G53","v":"Hansard"},"As published in Hansard  \"Capital Builder\" - Regular savings plan"]
[null,{"$f":"Calc_sheet!G54","v":"Ascentric"},"No Establishment fee /Surrender charge. 0.25% annual charge taken monthly. Fund charges 0.6% (Inception fee £500) - only available in sterling"]
[null,{"$f":"Calc_sheet!G55","v":"Royal London"},"As published in Royal London \"Quantum\" - Regular savings plan"]
[null,{"$f":"Calc_sheet!G56","v":"Friends Provident"},"As published in Friends Provident International doc \"Premier Advance\" - Regular savings plan"]
[]
[null,"Disclaimer"]
[null,"If the option \"Ongoing Service Fee\" is ticked then it shows the projections taking into account an annual investment fee of 1%"]
[null,"If \"Fund Growth 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,"Some companies have bid/offer spreads on their funds (A charge between the buying and selling of funds). You can select between 0-5%."]
[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"]
[]
["Hallmark",100,0,null,1,0.3,"monthly",0.9,{"$f":"($F$4*POWER(1+(1/100),12))+$H$4","v":1.2380475090395908},{"$f":"($F$4*POWER(1+(1/100),12))+$H$4","v":1.2380475090395908},1.2380475090395908,1.2380475090395908,1.2380475090395908,1.2380475090395908,1.2380475090395908,1.2380475090395908,1.2380475090395908,1.2380475090395908,1.2380475090395908,"Euro",{"$f":"48/1.2","v":40},0,"monthly",{"$f":"(((U4+V4)*POWER(1+(1/100),12)))","v":45.073001205278793},"%",0,{"$f":"$A$38*2","v":0},{"$f":"IF(Y4=\"%\",$A$39*Z4%*AA4,AA4*Z4)","v":0},{"$f":"A4","v":"Hallmark"}]
["Generali<2",{"$f":"IF(C21>14999,105,IF(C21>9999,104,IF(C21>7199,103,IF(C21>5399,102,IF(C21>3599,101,100)))))","v":104},null,null,null,1.5,"monthly",0.9,{"$f":"(($F$5)*POWER(1+(1/100),12))+$H$5","v":2.5902375451979545},{"$f":"(($F$5)*POWER(1+(1/100),12))+$H$5","v":2.5902375451979545},2.5902375451979545,2.5902375451979545,2.5902375451979545,2.5902375451979545,2.5902375451979545,2.5902375451979545,2.5902375451979545,2.5902375451979545,2.5902375451979545,null,null,null,null,null,null,null,null,null,{"$f":"A5","v":"Generali<2"}]
["Generali Vision",{"$f":"IF(C21>14999,105,IF(C21>9999,104,IF(C21>7199,103,IF(C21>5399,102,IF(C21>3599,101,100)))))","v":104},null,null,null,1.5,"monthly",0.9,null,null,{"$f":"(($F$6)*POWER(1+(1/100),12))+$H$6","v":2.5902375451979545},{"$f":"(($F$6)*POWER(1+(1/100),12))+$H$6","v":2.5902375451979545},2.5902375451979545,2.5902375451979545,2.5902375451979545,2.5902375451979545,2.5902375451979545,2.5902375451979545,2.5902375451979545,"£",{"$f":"3*12","v":36},null,"monthly",{"$f":"(((U6+V6)*POWER(1+(1/100),12)))","v":40.565701084750913},"Euro",50,{"$f":"$A$38*2","v":0},{"$f":"IF(Y6=\"%\",$A$39*Z6%*AA6,AA6*Z6)","v":0},"Generali Vision"]
["OMI (Royal Skandia)",93,0,null,null,1,"monthly",1.75,{"$f":"(((100-$B$7)+$F$7)*POWER(1+(1/100),12))+$H$7","v":10.764600241055758},{"$f":"(((100-$B$7)+$F$7)*POWER(1+(1/100),12))+$H$7","v":10.764600241055758},10.764600241055758,10.764600241055758,10.764600241055758,10.764600241055758,10.764600241055758,10.764600241055758,10.764600241055758,10.764600241055758,10.764600241055758,"£",{"$f":"8.6*12","v":103.19999999999999},0,"monthly",{"$f":"(((U7+V7)*POWER(1+(1/100),12)))","v":116.28834310961926},null,null,null,null,"OMI (Royal Skandia)"]
["Hansard 2 years",100,8,"monthly",2,8,"monthly",1.75,{"$f":"(($C$8+$F$8)*POWER(1+(1/100),12))+$H$8","v":19.779200482111516},{"$f":"(($C$8+$F$8)*POWER(1+(1/100),12))+$H$8","v":19.779200482111516},{"$f":"(($F$8)*POWER(1+(1/100),12))+$H$8","v":10.764600241055758},{"$f":"(($F$8)*POWER(1+(1/100),12))+$H$8","v":10.764600241055758},10.764600241055758,10.764600241055758,10.764600241055758,10.764600241055758,10.764600241055758,10.764600241055758,10.764600241055758,"£",{"$f":"(12*12)+100","v":244},0,"monthly",274.94530735220064,"£",15,{"$f":"$A$38*2","v":0},{"$f":"IF(Y8=\"%\",$A$39*Z8%*AA8,AA8*Z8)","v":0},"Hansard 2 years"]
["Hansard after 2",100,0,null,null,1,"monthly",1.75,null,null,{"$f":"(($F$9)*POWER(1+(1/100),12))+$H$8","v":2.87682503013197},2.87682503013197,2.87682503013197,2.87682503013197,2.87682503013197,2.87682503013197,2.87682503013197,2.87682503013197,2.87682503013197,"£",null,0,"monthly",{"$f":"(((U9+V9)*POWER(1+(1/100),12)))","v":0},"£",null,{"$f":"$A$38*2","v":0},0,"Hansard after 2"]
["Ascentric",100,0,null,1,0.25,"monthly",{"$f":"$A$44-1","v":0.60000000000000009},{"$f":"(F10*POWER(1+(1/100),4))+H10+C10","v":0.86015100250000009},{"$f":"(($F$10)*POWER(1+(1/100),12))+$H$10","v":0.88170625753299259},0.88170625753299259,0.88170625753299259,0.88170625753299259,0.88170625753299259,0.88170625753299259,0.88170625753299259,0.88170625753299259,0.88170625753299259,0.88170625753299259,"£",{"$f":"IF(C27/4>190,500,IF(C27=0,0,150))","v":150},0,"monthly",169.02375451979546,"£",12.5,{"$f":"$A$38*2","v":0},0,"Ascentric"]
["Royal London<2",100,0,"monthly",2,{"$f":"6+(0.125*12)","v":7.5},null,{"$f":"$A$44/1","v":1.6},{"$f":"(($F$11)*POWER(1+(1/100),12))+$H$11","v":10.051187725989774},{"$f":"(($F$11*8/12)*POWER(1+(1/100),12))+$H$11","v":7.2341251506598496},{"$f":"(($F$11)*POWER(1+(1/100),12))+$H$11","v":10.051187725989774},{"$f":"(($F$11)*POWER(1+(1/100),12))+$H$11","v":10.051187725989774},10.051187725989774,10.051187725989774,10.051187725989774,10.051187725989774,10.051187725989774,10.051187725989774,10.051187725989774,"£",{"$f":"5*12","v":60},0,"monthly",67.609501807918193,"£",20,{"$f":"IF($A$38>5,($A$38*2)-10,0)","v":0},0,"Royal London<2"]
["Royal London>2",100,0,null,null,{"$f":"0.125*12","v":1.5},null,1.6,null,null,{"$f":"(($F$12)*POWER(1+(1/100),12))+$H$12","v":3.2902375451979546},{"$f":"(($F$12)*POWER(1+(1/100),12))+$H$12","v":3.2902375451979546},3.2902375451979546,3.2902375451979546,3.2902375451979546,3.2902375451979546,3.2902375451979546,3.2902375451979546,3.2902375451979546,"£",null,0,"monthly",{"$f":"(((U12+V12)*POWER(1+(1/100),12)))","v":0},"£",null,{"$f":"IF($A$38>5,($A$38*2)-10,0)","v":0},0,"Royal London>2"]
["F Prov<2",100,null,null,null,6,null,1.75,{"$f":"(($F$13)*POWER(1+(1/100),4))+$H$13","v":7.9936240600000001},{"$f":"(($F$13)*POWER(1+(1/100),4))+$H$13","v":7.9936240600000001},7.9936240600000001,7.9936240600000001,7.9936240600000001,7.9936240600000001,7.9936240600000001,7.9936240600000001,7.9936240600000001,7.9936240600000001,7.9936240600000001,"£",{"$f":"4*12","v":48},0,"monthly",{"$f":"(((U13+V13)*POWER(1+(1/100),12)))","v":54.087601446334546},"£",null,{"$f":"IF($A$38>5,($A$38*2)-10,0)","v":0},0,"F Prov<2"]
["Friends Provident",100,0,null,0,1.2,null,1.75,null,null,{"$f":"(($F$14)*POWER(1+(1/100),12))+$H$14","v":3.1021900361583636},{"$f":"(($F$14)*POWER(1+(1/100),12))+$H$14","v":3.1021900361583636},3.1021900361583636,3.1021900361583636,3.1021900361583636,3.1021900361583636,3.1021900361583636,3.1021900361583636,3.1021900361583636,"£",0,0,"monthly",0,"£",null,{"$f":"IF($A$38>5,($A$38*2)-10,0)","v":0},0,"Friends Provident"]
[]
[null,null,null,"Output - no surrender"]
[null,null,null,null,null,null,null,null,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,null,"RETURN"]
["INPUT SHEET",null,null,null,null,null,null,{"$f":"A4","v":"Hallmark"},{"$f":"$D$21*(100+$C$22-I4)%-(($X4+$AB4)*(100+$C$22/$H$45)%)","v":12308.468231659348},{"$f":"$D$21*(100+$C$22-J4)%-(($X4+$AB4)*(100+$C$22/$L$45)%)+I18*(100+$D$22-J4)%","v":25326.144555191862},{"$f":"$D$21*(100+$C$22-K4)%-(($X4+$AB4)*(100+$C$22/$L$45)%)+J18*(100+$D$22-K4)%","v":39093.893203913321},53654.932988848952,69054.972968382426,85342.355935125524,102568.21017043314,120786.60994294127,140054.74525495456,160433.10136954003,{"$f":"$D$21*(100+$C$22-$S$4)%-(($X4+$AB4)*(100+$C$22/$L$45)%)+R18*(100+$D$22-$S$4)%","v":181985.64868188664},{"$f":"$D$21*(100+$C$22-$S$4)%-(($X4+$AB4)*(100+$C$22/$L$45)%)+S18*(100+$D$22-$S$4)%","v":204780.04353096243},{"$f":"$D$21*(100+$C$22-$S$4)%-(($X4+$AB4)*(100+$C$22/$L$45)%)+T18*(100+$D$22-$S$4)%","v":228887.84058184389},254384.71744541428,281350.71224054223,309870.47484448034,340033.53262019204,371934.5714547612,405673.73299110105,441356.92898601317,479096.17378140846,519009.93593236164,561223.51009580772,605869.41034728789,653087.78616041993,null,{"$f":"HLOOKUP($C$24,$I$17:$AH$33,2)","v":69054.972968382426},{"$f":"H18","v":"Hallmark"},{"$f":"HLOOKUP($C$25,$I$17:$AH$33,2)","v":39093.893203913321},{"$f":"IF(AJ18=$C$30,AK18,0)","v":0}]
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[null,null,null,null,null,null,null,"F Prov>2",null,null,{"$f":"$C$21*(100+$C$22-K14)%-(($X14+$AB14)*(100+$C$22/$L$45)%)","v":11525.150335877946},{"$f":"$C$21*(100+$C$22-L14)%-(($X14+$AB14)*(100+$C$22/$L$45)%)+(K32*(100+$D$22-L14)%)","v":23499.529129895469},35940.64645365435,48866.694888071928,62296.57612629723,76249.928613558179,90747.156264357531,105809.45829901054,{"$f":"$C$21*(100+$C$22-$S$14)%-(($X14+$AB14)*(100+$C$22/$L$45)%)+(R32*(100+$D$22-$S$14)%)","v":121458.86024315418},{"$f":"$C$21*(100+$C$22-$S$14)%-(($X14+$AB14)*(100+$C$22/$L$45)%)+(S32*(100+$D$22-$S$14)%)","v":137718.24613555829},154611.39199133599,172163.0005694865,190398.73749561064,209345.26879262118,229030.29987432898,249482.6160589249,270732.12466160039,292809.89872785838,315748.22247146541,339580.63848348899,364341.99678145343,390068.50577033847,416797.78518994089,null,0,"t",0,{"$f":"IF(AJ32=$C$30,AK32,0)","v":0}]
[null,null,null,null,null,null,null,{"$f":"A14","v":"Friends Provident"},{"$f":"SUM(I31:I32)","v":10911.167576452919},{"$f":"SUM(J31:J32)","v":21713.919166639284},33023.314777308551,44784.082636977648,57013.711516026589,69730.372905804979,82952.947619445156,96701.053429627209,110995.07378371347,125856.1876382452,141306.40045643112,157368.57641395796,174066.47186021999,191424.77008390106,209469.11743374824,228226.16084736004,247723.58684286932,267990.16203054099,289055.77520352695,310951.48106933001,333709.5456859275,357363.49366899778,381948.15723928408,407499.72718181787,434055.80579152395,null,{"$f":"HLOOKUP($C$24,$I$17:$AH$33,17)","v":57013.711516026589},"Friends Provident",{"$f":"HLOOKUP($C$25,$I$17:$AH$33,17)","v":33023.314777308551},0]
[null,null,null,null,null,null,null,"Hansard Bonus",null,null,null,null,{"$f":"$C$21*5*5%","v":2850},null,null,null,null,{"$f":"$C$21*5*5%","v":2850},null,null,null,null,{"$f":"$C$21*5*5%","v":2850},null,null,null,null,{"$f":"$C$21*5*5%","v":2850},null,null,null,null,null,null,null,null,{"$f":"VLOOKUP($C$30,$AJ$18:$AK$33,2)","v":33674.131205768412},{"$f":"SUM(AL18:AL33)","v":32465.221637662362}]
[null,null,null,null,null,null,null,"Generali Bonus",null,null,null,null,null,null,null,null,null,{"$f":"$C$21*10*5%","v":5700},null,null,null,null,{"$f":"$C$21*5*5%","v":2850},null,null,null,null,{"$f":"$C$21*5*5%","v":2850}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(W34/2<4500,W34/1.2,W34/1.5)","v":2375},null,null,null,null,null,null,null,null,null,null,null,{"$f":"AI27-AI21","v":10582.00102428603},null,null,null,null,null,null,null,null,null,null,"year 1 - X line chart"]
["Assumptions",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"D21*AM67*C24","v":60000}]
[0,"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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"G49","v":"Hallmark"},{"$f":"AI49*$AM$67","v":69054.972968382426},{"$f":"$AT$37","v":60000}]
[15000,"value of trades conducted (buy and sell will double)",null,null,null,null,null,"Rl PIMS first 10 dealings are free",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"G50","v":"Generali Vision"},{"$f":"AI50*$AM$67","v":58481.147090952814},60000]
[50000,"Minimum Investment amount",null,null,null,null,null,"RL PIMS is flexible product",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"OMI (Royal Skandia)",{"$f":"AI51*$AM$67","v":59161.773473431305},60000]
[1000000,"Maximum Investment amount",null,null,null,null,null,"RL PIMS 10 year set up with 10 year surrender term",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"G53","v":"Hansard"},{"$f":"AI53*$AM$67","v":54531.693555404963},60000]
[2.5,"Lowest growth rate",null,null,null,null,null,"RL PIMS 5 year set up with 5 year surrender term",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"G54","v":"Ascentric"},{"$f":"AI54*$AM$67","v":69063.148115238844},60000]
[20,"Highest growth rate",null,null,null,null,null,"If selected, then advice fees are 2%",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"G55","v":"Royal London"},{"$f":"(AI55*$AM$67)+(AI55*$AM$67*0.25%*C24)","v":56202.989279868023},60000]
[1.6,"Fund AMC for active investments",null,null,null,null,null,"If selected, as a QROPS then the annual cost is £800",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"G56","v":"Friends Provident"},{"$f":"AI56*$AM$67","v":57013.711516026589},60000]
[null,null,"Impact of ongoing charges factor",null,null,null,null,1,"Impact of ongoing charges year 2 onwards",null,null,1]
[]
[null,null,null,"Output - after surrender"]
[null,null,null,"Early Discontinuation",null,null,null,null,1,{"$f":"J58","v":2},{"$f":"K58","v":3},4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,0,"RETURN",null,null,null,null,null,null,null,null,null,null,"Year 4 discontinuation comparison"]
[null,null,null,null,null,null,{"$f":"H18","v":"Hallmark"},null,{"$f":"I18*(100-I61)%","v":12308.468231659348},25326.144555191862,39093.893203913321,53654.932988848952,69054.972968382426,85342.355935125524,102568.21017043314,120786.60994294127,140054.74525495456,160433.10136954003,{"$f":"S18*(100-S61)%","v":181985.64868188664},204780.04353096243,228887.84058184389,254384.71744541428,281350.71224054223,309870.47484448034,340033.53262019204,371934.5714547612,405673.73299110105,441356.92898601317,479096.17378140846,519009.93593236164,561223.51009580772,605869.41034728789,653087.78616041993,0,{"$f":"HLOOKUP($C$24,$I$48:$AH$56,2)","v":69054.972968382426},{"$f":"G49","v":"Hallmark"},{"$f":"HLOOKUP($C$25,$I$48:$AH$56,2)","v":39093.893203913321},{"$f":"IF(AJ49=$C$30,AK49,0)","v":0},null,null,null,null,null,null,null,"Continuing with your plan","Stopping your plan early","Initial Investment Amount"]
[null,null,null,null,null,null,{"$f":"H21","v":"Generali Vision"},null,{"$f":"IF((I21-I62)<200,I21*5%,I21-I62)","v":6346.8534366413296},{"$f":"IF((J21-J62)<200,J21*10%,J21-J62)","v":18874.673201131955},{"$f":"IF((K21-L62)<500,K21*15%,K21-L62)","v":33002.399305487299},{"$f":"IF((L21-L62)<500,L21*15%,L21-L62)","v":44909.241470546403},58481.147090952814,71461.270217824334,85013.785940931702,99163.935414077816,113938.07286598909,135063.71468427559,151420.94712380087,{"$f":"T21-T62","v":168499.49465808904},186331.16556936977,204949.17080956002,227238.18585466524,247660.09351677471,268982.5587955222,291245.29414257011,314489.76323436404,341609.25819698605,367074.65846640163,393663.02239586302,421423.87001523189,450408.90507005452,480672.11131823587,0,{"$f":"HLOOKUP($C$24,$I$48:$AH$56,3)","v":58481.147090952814},{"$f":"G50","v":"Generali Vision"},{"$f":"HLOOKUP($C$25,$I$48:$AH$56,3)","v":33002.399305487299},{"$f":"IF(AJ50=$C$30,AK50,0)","v":0},null,null,null,null,null,null,{"$f":"AS38","v":"Hallmark"},{"$f":"L18*$AM$67","v":53654.932988848952},{"$f":"L49*$AM$67","v":53654.932988848952},{"$f":"D21*AM67*4","v":48000}]
[null,null,null,null,null,null,{"$f":"H22","v":"OMI (Royal Skandia)"},null,{"$f":"I22*(100-I63)%","v":10647.432496850961},22405.745715671415,34361.358373233074,46564.161196763715,59161.773473431305,72166.968867330928,85592.934321655004,99453.283429924209,113762.0702398312,128533.80350369377,143222.84899141354,158387.14382143423,174042.06420983101,190203.48385473687,209262.79003187601,231313.74095512673,256453.12829139322,284780.87530493736,316400.13817707205,351417.41060395172,373317.63177851954,395926.41265617759,419266.67797585158,443362.09418341529,468237.09342887509,0,{"$f":"HLOOKUP($C$24,$I$48:$AH$56,4)","v":59161.773473431305},"OMI (Royal Skandia)",{"$f":"HLOOKUP($C$25,$I$48:$AH$56,4)","v":34361.358373233074},0,null,null,null,null,null,null,{"$f":"AS39","v":"Generali Vision"},{"$f":"L21*$AM$67","v":46049.241470546403},44909.241470546403,{"$f":"AV50","v":48000}]
[null,null,null,null,null,null,{"$f":"H23","v":"OMI EWA"},null,{"$f":"I23","v":11091.075517553085},{"$f":"J23","v":22090.171832352098},33674.131205768412,45632.877972828435,57978.538003962683,70723.629489984305,83881.075635221903,97464.217761325723,111486.82883503457,127248.46546865682,141790.62050149939,156803.27238321991,172301.64356773268,190203.48385473687,206887.79003187601,224111.9002108518,241893.27920903848,260249.95690046946,279200.5464976792,298764.26342503558,318960.94480270019,339811.06956097251,361335.77920541354,383556.89925380424,406496.96136667527,0,{"$f":"HLOOKUP($C$24,$I$48:$AH$56,5)","v":57978.538003962683},{"$f":"G52","v":"OMI EWA"},{"$f":"HLOOKUP($C$25,$I$48:$AH$56,5)","v":33674.131205768412},{"$f":"IF(AJ52=$C$30,AK52,0)","v":0},null,null,null,null,null,null,"OMI (Royal Skandia)",{"$f":"L22*$AM$67","v":46564.161196763715},46564.161196763715,{"$f":"AV51","v":48000}]
[null,null,null,null,null,null,{"$f":"H26","v":"Hansard"},null,{"$f":"I26*(100-I64)%","v":8590.4798839960313},{"$f":"J26*(100-J64)%","v":17481.701218739941},28374.426999083567,39768.189646156963,{"$f":"M26*(100-M64)%","v":54531.693555404963},{"$f":"N26*(100-N64)%","v":67101.998392858601},80236.864860525253,93957.829093506603,108287.38076856006,126098.99995187433,141834.70604571028,158257.41162664993,175394.00523022879,193272.53817532648,214772.27047028247,234341.22917514527,254748.57202813937,276027.68040707608,298213.3567356703,324191.88139397831,348418.58252530679,373670.21156633476,399988.04859058757,427415.11259541521,455996.23181269906,0,{"$f":"HLOOKUP($C$24,$I$48:$AH$56,6)","v":54531.693555404963},"Hansard",{"$f":"HLOOKUP($C$25,$I$48:$AH$56,6)","v":28374.426999083567},0,null,null,null,null,null,null,{"$f":"G52","v":"OMI EWA"},{"$f":"L23*$AM$67","v":45632.877972828435},45632.877972828435,{"$f":"AV51","v":48000}]
[null,null,null,null,null,null,{"$f":"H27","v":"Ascentric"},null,{"$f":"I27*(100-I65)%","v":12224.659127490373},{"$f":"J27*(100-J65)%","v":25194.672178811954},38958.228727049696,53563.880094319175,69063.148115238844,85510.706881610618,102964.5756067739,121486.32328996726,141141.28590265696,161998.79686296309,{"$f":"S27*(100-S65)%","v":184132.43161118802},207620.26714919409,232545.1574591629,258995.02577328333,287063.17472535733,316848.6154783924,348456.4169891866,381998.07664194715,417591.91355836211,455363.485971538,495446.03413610061,537980.95033683698,583118.27765384654,631017.23924360948,681846.80000302556,0,{"$f":"HLOOKUP($C$24,$I$48:$AH$56,7)","v":69063.148115238844},"Ascentric",{"$f":"HLOOKUP($C$25,$I$48:$AH$56,7)","v":38958.228727049696},0,null,null,null,null,null,null,{"$f":"AS41","v":"Hansard"},{"$f":"L26*$AM$67","v":39768.189646156963},39768.189646156963,{"$f":"AV53","v":48000}]
[null,null,null,null,null,null,{"$f":"H30","v":"Royal London"},null,{"$f":"I30-(I30*I66)%","v":9809.514258485051},21621.212499819594,32465.221637662362,43756.11999913826,55509.125214684464,67740.060976237321,80465.378253712566,93702.177337223984,107468.23073449382,121782.00695403709,{"$f":"S30-(S30*S66)%","v":136662.69520587137},152130.23105271489,168205.32304589247,184909.48038146851,202265.0416134765,220295.20446251082,239024.05675939561,258476.60856514727,278678.82551000267,299657.66339589906,321441.10410846316,344058.19288630108,367539.0769971768,391915.04587253107,417218.57275372284,0,{"$f":"HLOOKUP($C$24,$I$48:$AH$56,8)","v":55509.125214684464},"Royal London",{"$f":"HLOOKUP($C$25,$I$48:$AH$56,8)","v":32465.221637662362},32465.221637662362,null,null,null,null,null,null,{"$f":"AS42","v":"Ascentric"},{"$f":"L27*$AM$67","v":53563.880094319175},53563.880094319175,48000]
[null,null,null,null,null,null,{"$f":"H33","v":"Friends Provident"},null,{"$f":"I33-(I33*I67)%","v":10256.497521865744},{"$f":"J33-(J33*J67)%","v":21713.919166639284},33023.314777308551,44784.082636977648,57013.711516026589,69730.372905804979,82952.947619445156,96701.053429627209,110995.07378371347,125856.1876382452,141306.40045643112,157368.57641395796,174066.47186021999,191424.77008390106,209469.11743374824,228226.16084736004,247723.58684286932,267990.16203054099,289055.77520352695,310951.48106933001,333709.5456859275,357363.49366899778,381948.15723928408,407499.72718181787,434055.80579152395,0,{"$f":"HLOOKUP($C$24,$I$48:$AH$56,9)","v":57013.711516026589},"Friends Provident",{"$f":"HLOOKUP($C$25,$I$48:$AH$56,9)","v":33023.314777308551},0,null,null,null,null,null,null,{"$f":"AS43","v":"Royal London"},{"$f":"L30*$AM$67","v":43756.11999913826},43756.11999913826,48000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AI54-AI50","v":10582.00102428603},null,null,{"$f":"SUM(AL49:AL56)","v":32465.221637662362},null,null,null,null,null,null,{"$f":"AS44","v":"Friends Provident"},{"$f":"L33*$AM$67","v":44784.082636977648},44784.082636977648,48000]
[null,null,null,null,null,null,null,null,1,{"$f":"I58+1","v":2},{"$f":"J58+1","v":3},4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25]
[null,null,"Surrender Charge","How often reduces",null,"Amount reduces by","How many years?",null,"1 Cost","2 Cost","3 Cost","4 Cost","5 Cost","6 Cost","7 Cost","8 Cost","9 Cost","10 Cost"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Currency In","Currency Out",null,null,null,"Input sheet data table",null,"Fee change 2%"]
[{"$f":"G49","v":"Hallmark"},null,null,null,null,0,0,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,null,null,null,"EURO (€)","EURO (€)","£/€",1.22,null,"Min",{"$f":"MIN(AI49:AI56)","v":54531.693555404963},{"$f":"SUM(AS61*2%)","v":1090.6338711080994}]
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[]
[]
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