{"text_format":"1","workbook":"xlsx","n_sheets":6,"sheets":["Front page","Inputs","Drawdown output","GAD Yield","Calculations","GAD table"],"not_rendered":{"charts":0,"images":2,"macros":1,"external_links":1,"defined_names":154,"comments":0,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"Front page","index":0,"n_rows":105,"n_cols":10,"rows_kept":105,"cut":false,"hidden":true,"merged":[[16,2,16,9],[22,2,22,6],[99,2,99,4],[1,2,5,10],[7,2,8,10],[10,2,11,10],[13,2,14,10]]}
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[null,null,"Income Drawdown calculator"]
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[null,null,"This tool has been designed to sit on Adviserzone.co.uk and be used by financial advisers and internal StandardLife teams to demonstrate the amount of income which can be taken as part of an income drawdown arrangement. It is designed, created and maintained by Ben Leadbetter."]
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[null,null,"Maintenance: The tool should be updated each month with the most up to date GAD yield. The GAD yield is the FTSE UK 15yr Gilt yields which are found on the following webpage:\n\nhttp://markets.ft.com/research/Markets/Bonds"]
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[null,null,"This Spread sheet uses Macros and has been developed in MS Excel 2010."]
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[null,null,"EUA Summary"]
[null,null,"Department","Created by","Date of Creation\n(dd/mm/yyyy)","Purpose/Business Process","Criticality\n(Critical/Non Critical)","Information Classification","Retention Requirements","Contains Personally Identifiable Information\n(Y/N)"]
[null,null,"BTS","POPs","2013-05-24","Downloadable tool used by advisers to help calculate the income that can be taken from a Capped Drawdown Pension arrangement","Critical","Public","No","No"]
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[null,null,"Change Control"]
[null,null,"Version Number","Date of Change (n.b. this can be the date of creation or modification)","Modified by","A description of the change","Approved by"]
[null,null,1,"2013-05-24","SLBC39","Final version created"]
[null,null,1.1000000000000001,"2014-03-26","SLBC39","Addition of 150% multiplier"]
[null,null,1.2,"2017-08-29","SLBJ64","Addition of GAD yields from 0% in dropdown. GAD multiplier now defailts to 150%. Updated Techzone link to current one."]
[null,null,"3.00","2021-07-21","Joss Smith","Removed GAD Yield and GAD multiplier input. Updated GAD yield calc to start of the month rather than 15th"]
[null,null,3.01,"2021-11-15","Ross Geddes","Updated GAD yield"]
[null,null,3.02,"2021-12-15","Ian Richards","Updated GAD yield"]
[null,null,3.03,"2022-01-16","Ross Geddes","Updated GAD yield"]
[null,null,3.04,"2022-02-16","Ross Geddes","Updated GAD yield"]
[null,null,3.05,"2022-03-16","Ross Geddes","Updated GAD yield"]
[null,null,3.06,"2022-04-19","Ian Richards","Updated GAD yield"]
[null,null,3.07,"2022-05-24","Ian Richards","Updated GAD yield"]
[null,null,3.08,"2022-04-16","Ross Geddes","Updated GAD yield"]
[null,null,3.09,"2022-05-16","Ross Geddes","Updated GAD yield"]
[null,null,3.1,"2022-06-16","Ross Geddes","Updated GAD yield"]
[null,null,3.11,"2022-07-16","Ross Geddes","Updated GAD yield"]
[null,null,3.12,"2022-08-16","Ross Geddes","Updated GAD yield"]
[null,null,3.13,"2022-09-16","Ross Geddes","Updated GAD yield"]
[null,null,3.14,"2022-10-16","Ross Geddes","Updated GAD yield"]
[null,null,3.15,"2022-11-16","Ross Geddes","Updated GAD yield"]
[null,null,3.16,"2023-02-16","Ross Geddes","Updated GAD yield"]
[null,null,3.17,"2023-03-16","Ross Geddes","Updated GAD yield"]
[null,null,3.18,"2023-04-16","Ross Geddes","Updated GAD yield"]
[null,null,3.19,"2023-05-16","Ian Richards","Updated GAD yield"]
[null,null,3.2,"2023-06-16","Ross Geddes","Updated GAD yield"]
[null,null,3.21,"2023-07-16","Ross Geddes","Updated GAD yield"]
[null,null,3.22,"2023-08-21","Ross Geddes","Updated GAD yield"]
[null,null,3.23,"2023-10-25","Ross Geddes","Updated GAD yield"]
[null,null,3.24,"2023-11-17","Ross Geddes","Updated GAD yield"]
[null,null,3.25,"2023-12-01","Ross Geddes","Updated GAD yield"]
[null,null,3.26,"2024-01-01","Ross Geddes","Updated GAD yield"]
[null,null,3.27,"2024-02-01","Ross Geddes","Updated GAD yield"]
[null,null,3.28,"2024-03-01","Ross Geddes","Updated GAD yield"]
[null,null,3.29,"2024-04-01","Ross Geddes","Updated GAD yield"]
[null,null,"3.30","2024-05-01","Ross Geddes","Updated GAD yield"]
[null,null,"3.30","2024-06-01","Ross Geddes","Updated GAD yield"]
[null,null,"3.30","2024-07-01","Ross Geddes","Updated GAD yield"]
[null,null,"3.30","2024-08-01","Ross Geddes","Updated GAD yield"]
[null,null,"3.30","2024-09-01","Ross Geddes","Updated GAD yield"]
[null,null,"3.30","2024-10-01","Ross Geddes","Updated GAD yield"]
[null,null,"3.30","2024-11-01","Ross Geddes","Updated GAD yield"]
[null,null,"3.30","2024-12-01","Ross Geddes","Updated GAD yield"]
[null,null,"3.30","2025-01-01","Ross Geddes","Updated GAD yield"]
[null,null,"3.30","2025-02-01","Ross Geddes","Updated GAD yield"]
[null,null,"3.30","2025-03-01","Ross Geddes","Updated GAD yield"]
[null,null,"3.30","2025-04-01","Ross Geddes","Updated GAD yield"]
[null,null,"3.30","2025-05-01","Ian Richards","Updated GAD yield"]
[null,null,"3.30","2025-06-01","Ian Richards","Updated GAD yield"]
[null,null,"3.30","2025-07-01","Ian Richards","Updated GAD yield"]
[null,null,"3.30","2025-08-01","Ian Richards","Updated GAD yield"]
[null,null,"3.30","2025-09-01","Ian Richards","Updated GAD yield"]
[null,null,"3.30","2025-10-01","Ian Richards","Updated GAD yield"]
[null,null,"3.30","2025-11-01","Ian Richards","Updated GAD yield"]
[null,null,"3.30","2025-12-01","Ian Richards","Updated GAD yield"]
[null,null,"3.30","2026-01-01","Ian Richards","Updated GAD yield"]
[null,null,"3.30","2026-02-01","Ian Richards","Updated GAD yield"]
[null,null,"3.30","2026-03-01","Ian Richards","Updated GAD yield"]
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[null,null,"Colour coding"]
[null,null,"Data type","Initial","Colour"]
[null,null,"Input","I"]
[null,null,"Calculation","C"]
[null,null,"Static data","S"]
[null,null,"Output","O"]

{"sheet":"Inputs","index":1,"n_rows":137,"n_cols":10,"rows_kept":137,"cut":false,"hidden":false,"merged":[[66,2,66,12],[90,2,93,12],[55,2,55,12],[57,2,57,12],[70,2,70,10],[68,2,68,12],[7,3,8,5],[123,6,123,12],[115,2,116,12],[94,2,94,12],[107,2,107,12],[60,2,61,12],[63,2,64,12],[121,2,121,12],[101,2,103,12],[99,2,99,12],[109,2,110,12],[112,2,113,12],[105,2,105,7],[118,2,119,12],[95,2,98,12],[53,2,53,12]]}
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[null," "]
["Male"]
["Drip Feed Drawdown is most appropriate for individuals who would like to have a flexible tax efficient income"]
[2011]
["Capped"]
[]
[null,null,null,"Client's name",null,"Date of Birth",null,"Drawdown arrangement value",null,"Date of Review"]
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[null,null,"Limitations"]
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[null,null,"Abrdn accept no liability whatsoever for any losses caused by any action, or lack of action, taken based on these figures."]
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[null,null,"These figures are for representative use only and do not constitute in any way financial advice."]
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[null,null,"This calculator relates to  capped drawdown only and does not reflect flexible drawdown options"]
[null,null,"This calculator is currently using 2011 male drawdown tables for all members; this is in accordance with the EU Gender Directive and guidance from DWP"]
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[null,null,"Any financial advice you give as a result of using the Capped Drawdown calculator will remain your sole responsibility and Abrdn will in no way be liable for any consequences arising from the output of this calculator."]
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[null,null,"Assumptions"]
[]
[null,null,"This calculator makes no assumptions. It simply performs calculations, in line with HMRC rules, based on the client data input. "]
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[null,null,"Details of the assumptions underlying the GAD Tables the calculations are based on may be found on "]
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[null,null,"This multiplier is applied to the GAD basis amount to work out the drawdown income limit. You should use the 150% GAD multiplier if the drawdown arrangement has not reached the annual review date and is not a new drawdown arrangement."]
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[null,null,"GAD yield"]
[null,null,"This is the yield used to work out the basis amount of drawdown income allowed from the GAD tables. It changes each month. The applicable yield for a month is currently the gross redemption yield on UK 15 year gilts from the FTSE UK Gilt Indices, published by the Financial Times for the 15th of the previous month. If the 15th is not a working day then the yield for the next working day is used."]
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[null,null,"GAD tables"]
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[null,null,"The GAD tables set out the basis amount of drawdown income allowed for each £1,000 of drawdown fund based on the client’s age, drawdown arrangement value and the prevailing GAD yield on the calculation date. The same table is used for men and women."]
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[null,null,"Factors affecting drawdown"]
[]
[null,null,"Age - The older a client is the more they can drawdown from their pension, this is because they are expected to live for less time than a younger person, so their pension will be paid out for a reduced number of years."]
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[null,null,"Value of arrangement - the amount of pension which can be taken via drawdown is linearly related to the value of the income drawdown arrangement which is set aside for drawdown purposes i.e. the larger the value of the arrangement, the larger the income which can be drawn."]
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[null,null,"GAD yield - the prevailing yield at the date of calculation affects the amount of income which can be taken. The higher the yield, the more the value of the arrangement is expected to increase by so a higher amount can be drawn."]
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[null,null,"GAD tables- all the above factors filter into the GAD tables which determine the amount of income, per £1000, which can be drawn for someone of a specific age and at a specific GAD yield. This value is then multiplied the by GAD multiplier and used to determine how much income can be taken."]
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[null,null,"More information"]
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[null,null,"Aberdeen Platform Limited is registered in Scotland (SC180203) at 1 George Street, Edinburgh EH2 2LL and authorised and regulated by the Financial Conduct Authority. Aberdeen Platform Limited is part of the Aberdeen group, which comprises "]
[null,null,"Aberdeen group plc and its subsidiaries."]
[]
[null,null,"© 2022 abrdn plc. All rights reserved."]

{"sheet":"Drawdown output","index":2,"n_rows":20,"n_cols":4,"rows_kept":20,"cut":false,"hidden":false,"merged":[[6,2,7,4]]}
[]
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[]
[]
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[null,null,"Maximum income which can be taken"]
[]
[]
[null,null,"Client Name",{"$f":"Client","v":0}]
[]
[null,null,"Gad Review Date",{"$f":"Inputs!J14","v":"00:00:00"}]
[]
[null,null,"GAD yield used",{"$f":"Gad_Yield","v":{"$error":"#N/A"}}]
[]
[null,null,"Client age",{"$f":"INT((Output_Date-Inputs!F14)/365)","v":0}]
[]
[null,null,"Drawdown arrangement value",{"$f":"Arrangement","v":0}]
[]
[null,null,"Maximum income that can be taken",{"$f":"Max_Income","v":0}]

{"sheet":"GAD Yield","index":3,"n_rows":232,"n_cols":5,"rows_kept":232,"cut":false,"hidden":true,"merged":[]}
["Date from which yield applies","GAD yield"]
["2006-10-01",4.2500000000000003E-2]
["2006-11-01",4.4999999999999998E-2,null,null,"15yr GAD yield as supplied by the Tech Consulting team"]
["2006-12-01",4.2500000000000003E-2]
["2007-01-01",4.4999999999999998E-2]
["2007-05-01",4.7500000000000001E-2]
["2007-07-01",5.2499999999999998E-2]
["2007-09-01",4.7500000000000001E-2]
["2007-12-01",4.4999999999999998E-2]
["2008-01-01",4.7500000000000001E-2]
["2008-02-01",4.2500000000000003E-2]
["2008-03-01",4.4999999999999998E-2]
["2008-04-01",4.2500000000000003E-2]
["2008-05-01",4.4999999999999998E-2]
["2008-06-01",4.7500000000000001E-2]
["2008-07-01",0.05]
["2008-08-01",4.7500000000000001E-2]
["2008-09-01",4.4999999999999998E-2]
["2008-10-01",4.4999999999999998E-2]
["2008-11-01",4.7500000000000001E-2]
["2008-12-01",4.4999999999999998E-2]
["2009-01-01",0.04]
["2009-02-01",3.7499999999999999E-2]
["2009-03-01",0.04]
["2009-04-01",3.2500000000000001E-2]
["2009-05-01",3.7499999999999999E-2]
["2009-06-01",0.04]
["2009-07-01",0.04]
["2009-08-01",0.04]
["2009-09-01",0.04]
["2009-10-01",3.7499999999999999E-2]
["2009-11-01",3.7499999999999999E-2]
["2009-12-01",0.04]
["2010-01-01",4.2500000000000003E-2]
["2010-02-01",4.2500000000000003E-2]
["2010-03-01",4.4999999999999998E-2]
["2010-04-01",4.4999999999999998E-2]
["2010-05-01",4.2500000000000003E-2]
["2010-06-01",0.04]
["2010-07-01",0.04]
["2010-08-01",3.7499999999999999E-2]
["2010-09-01",3.5000000000000003E-2]
["2010-10-01",3.5000000000000003E-2]
["2010-11-01",3.5000000000000003E-2]
["2010-12-01",3.7499999999999999E-2]
["2011-01-01",0.04]
["2011-02-01",0.04]
["2011-03-01",4.2500000000000003E-2]
["2011-04-01",0.04]
["2011-05-01",0.04]
["2011-06-01",3.7499999999999999E-2]
["2011-07-01",3.7499999999999999E-2]
["2011-08-01",3.5000000000000003E-2]
["2011-09-01",3.2500000000000001E-2]
["2011-10-01",2.75E-2]
["2011-11-01",0.03]
["2011-12-01",2.5000000000000001E-2]
["2012-01-01",2.5000000000000001E-2]
["2012-02-01",2.2499999999999999E-2]
["2012-03-01",2.5000000000000001E-2]
["2012-04-01",2.75E-2]
["2012-05-01",2.5000000000000001E-2]
["2012-06-01",2.2499999999999999E-2]
["2012-07-01",2.2499999999999999E-2]
["2012-08-01",0.02]
["2012-09-01",0.02]
["2012-10-01",2.2499999999999999E-2]
["2012-11-01",0.02]
["2012-12-01",0.02]
["2013-01-01",2.2499999999999999E-2]
["2013-02-01",2.5000000000000001E-2]
["2013-03-01",2.75E-2]
["2013-04-01",2.5000000000000001E-2]
["2013-05-01",2.2499999999999999E-2]
["2013-06-01",2.2499999999999999E-2]
["2013-07-01",2.5000000000000001E-2]
["2013-08-01",2.75E-2]
["2013-09-01",0.03]
["2013-10-01",3.2500000000000001E-2]
["2013-11-01",0.03]
["2013-12-01",0.03]
["2014-01-01",3.2500000000000001E-2]
["2014-02-01",3.2500000000000001E-2]
["2014-03-01",0.03]
["2014-04-01",0.03]
["2014-05-01",0.03]
["2014-06-01",0.03]
["2014-07-01",0.03]
["2014-08-01",0.03]
["2014-09-01",2.75E-2]
["2014-10-01",2.75E-2]
["2014-11-01",2.2499999999999999E-2]
["2014-12-01",2.5000000000000001E-2]
["2015-01-01",0.02]
["2015-02-01",0.02]
["2015-03-01",0.02]
["2015-04-01",0.02]
["2015-05-01",0.02]
["2015-06-01",2.2499999999999999E-2]
["2015-07-01",2.2499999999999999E-2]
["2015-08-01",2.5000000000000001E-2]
["2015-09-01",2.2499999999999999E-2]
["2015-10-01",2.2499999999999999E-2]
["2015-11-01",0.02]
["2015-12-01",2.2499999999999999E-2]
["2016-01-01",2.2499999999999999E-2]
["2016-02-01",0.02]
["2016-03-01",0.02]
["2016-04-01",0.02]
["2016-05-01",0.02]
["2016-06-01",1.7500000000000002E-2]
["2016-07-01",1.4999999999999999E-2]
["2016-08-01",1.4999999999999999E-2]
["2016-09-01",1.4999999999999999E-2]
["2016-10-01",1.2500000000000001E-2]
["2016-11-01",1.4999999999999999E-2]
["2016-12-01",1.7500000000000002E-2]
["2017-01-01",1.7500000000000002E-2]
["2017-02-01",1.7500000000000002E-2]
["2017-03-01",1.7500000000000002E-2]
["2017-04-01",1.4999999999999999E-2]
["2017-05-01",1.4999999999999999E-2]
["2017-06-01",1.4999999999999999E-2]
["2017-07-01",1.4999999999999999E-2]
["2017-08-01",1.7500000000000002E-2]
["2017-09-01",1.4999999999999999E-2]
["2017-10-01",1.7500000000000002E-2]
["2017-11-01",1.7500000000000002E-2]
["2017-12-01",1.4999999999999999E-2]
["2018-01-01",1.4999999999999999E-2]
["2018-02-01",1.4999999999999999E-2]
["2018-03-01",1.7500000000000002E-2]
["2018-04-01",1.7500000000000002E-2]
["2018-05-01",1.7500000000000002E-2]
["2018-06-01",1.7500000000000002E-2]
["2018-07-01",1.4999999999999999E-2]
["2018-08-01",1.4999999999999999E-2]
["2018-09-01",1.4999999999999999E-2]
["2018-10-01",1.7500000000000002E-2]
["2018-11-01",1.7500000000000002E-2]
["2018-12-01",1.7500000000000002E-2]
["2019-01-01",1.4999999999999999E-2]
["2019-02-01",1.4999999999999999E-2]
["2019-03-01",1.4999999999999999E-2]
["2019-04-01",1.4999999999999999E-2]
["2019-05-01",1.4999999999999999E-2]
["2019-06-01",1.2500000000000001E-2]
["2019-07-01",0.01]
["2019-08-01",0.01]
["2019-09-01",7.4999999999999997E-3]
["2019-10-01",0.01]
["2019-11-01",0.01]
["2019-12-01",0.01]
["2020-01-01",0.01]
["2020-02-01",0.01]
["2020-03-01",7.4999999999999997E-3]
["2020-04-01",5.0000000000000001E-3]
["2020-05-01",5.0000000000000001E-3]
["2020-06-01",5.0000000000000001E-3]
["2020-07-01",5.0000000000000001E-3]
["2020-08-01",5.0000000000000001E-3]
["2020-09-01",5.0000000000000001E-3]
["2020-10-01",5.0000000000000001E-3]
["2020-11-01",5.0000000000000001E-3]
["2020-12-01",5.0000000000000001E-3]
["2021-01-01",5.0000000000000001E-3]
["2021-02-01",5.0000000000000001E-3]
["2021-03-01",7.4999999999999997E-3]
["2021-04-01",0.01]
["2021-05-01",0.01]
["2021-06-01",1.2500000000000001E-2]
["2021-07-01",0.01]
["2021-08-01",0.01]
["2021-09-01",7.4999999999999997E-3]
["2021-10-01",7.4999999999999997E-3]
["2021-11-01",1.2500000000000001E-2]
["2021-12-01",0.01]
["2022-01-01",7.4999999999999997E-3]
["2022-02-01",1.2500000000000001E-2]
["2022-03-01",1.4999999999999999E-2]
["2022-04-01",1.7500000000000002E-2]
["2022-05-01",0.02]
["2022-06-01",0.02]
["2022-07-01",2.5000000000000001E-2]
["2022-08-01",2.5000000000000001E-2]
["2022-09-01",2.2499999999999999E-2]
["2022-10-01",3.2500000000000001E-2]
["2022-11-01",4.4999999999999998E-2]
["2022-12-01",3.5000000000000003E-2]
["2023-01-01",3.5000000000000003E-2]
["2023-02-01",3.5000000000000003E-2]
["2023-03-01",3.7499999999999999E-2]
["2023-04-01",3.5000000000000003E-2]
["2023-05-01",3.7499999999999999E-2]
["2023-06-01",0.04]
["2023-07-01",4.4999999999999998E-2]
["2023-08-01",4.4999999999999998E-2]
["2023-09-01",4.7500000000000001E-2]
["2023-10-01",4.4999999999999998E-2]
["2023-11-01",4.4999999999999998E-2]
["2023-12-01",4.2500000000000003E-2]
["2024-01-01",0.04]
["2024-02-01",0.04]
["2024-03-01",4.2500000000000003E-2]
["2024-04-01",4.2500000000000003E-2]
["2024-05-01",4.4999999999999998E-2]
["2024-06-01",4.2500000000000003E-2]
["2024-07-01",4.2500000000000003E-2]
["2024-08-01",4.2500000000000003E-2]
["2024-09-01",0.04]
["2024-10-01",0.04]
["2024-11-01",4.2500000000000003E-2]
["2024-12-01",4.4999999999999998E-2]
["2025-01-01",4.4999999999999998E-2]
["2025-02-01",0.05]
["2025-03-01",4.7500000000000001E-2]
["2025-04-01",4.7500000000000001E-2]
["2025-05-01",0.05]
["2025-06-01",0.05]
["2025-07-01",4.7500000000000001E-2]
["2025-08-01",0.05]
["2025-09-01",0.05]
["2025-10-01",0.05]
["2025-11-01",4.7500000000000001E-2]
["2025-12-01",4.7500000000000001E-2]
["2026-01-01",4.7500000000000001E-2]
["2026-02-01",4.7500000000000001E-2]
["2026-03-01",4.7500000000000001E-2]
["2026-04-01",0.05]
["2026-05-01",0.05]
["2026-06-01",5.5E-2]
["2026-07-01",0.05]

{"sheet":"Calculations","index":4,"n_rows":7,"n_cols":3,"rows_kept":7,"cut":false,"hidden":true,"merged":[[2,1,2,2]]}
[]
[]
[null,"Calculations"]
[null,"Current GAD yield",{"$f":"VLOOKUP(Inputs!J14-DAY(Inputs!J14)+1,'GAD Yield'!A:B,2,0)","v":{"$error":"#N/A"}}]
[null,"GAD value per £1,000",{"$f":"IF(Review_Date< DATE(2025,9,1),VLOOKUP(Output_Age,Gad_Table,MATCH(Gad_Yield,Gad_Table_Match,0),FALSE),VLOOKUP(Output_Age,Gad_Table2,MATCH(Gad_Yield,Gad_Table_Match,0),FALSE))","v":{"$error":"#N/A"}}]
[null,"GAD multiplier",1.5]
[null,"Maximum income that can be taken",{"$f":"IFERROR(Arrangement*(GAD_Multiplier*GAD_Value/1000),0)","v":0}]

{"sheet":"GAD table","index":5,"n_rows":206,"n_cols":34,"rows_kept":206,"cut":false,"hidden":true,"merged":[[0,0,0,33]]}
["2011 Drawdown pension tables"]
["Appendix A"]
["TABLE 1 - MEN",null,null,null,null,null,null,null,null,"Basis amount per £1000 of fund for drawdown pensions"]
[]
["GILT INDEX YIELD",0,2.5000000000000001E-3,5.0000000000000001E-3,7.4999999999999997E-3,0.01,1.2500000000000001E-2,1.4999999999999999E-2,1.7500000000000002E-2,0.02,2.2499999999999999E-2,2.5000000000000001E-2,2.75E-2,0.03,3.2500000000000001E-2,3.5000000000000003E-2,3.7499999999999999E-2,0.04,4.2500000000000003E-2,4.4999999999999998E-2,4.7500000000000001E-2,0.05,5.2499999999999998E-2,5.5E-2,5.7500000000000002E-2,0.06,6.25E-2,6.5000000000000002E-2,6.7500000000000004E-2,7.0000000000000007E-2,7.2499999999999995E-2,7.4999999999999997E-2,7.7499999999999999E-2,0.08]
[23,16,17,18,20,21,23,24,26,27,29,31,33,35,36,38,40,42,44,46,48,50,52,55,57,59,61,63,65,68,70,72,74,76]
[24,16,17,18,20,21,23,24,26,27,29,31,33,35,36,38,40,42,44,46,48,50,52,55,57,59,61,63,65,68,70,72,74,76]
[25,16,17,18,20,21,23,24,26,27,29,31,33,35,36,38,40,42,44,46,48,50,52,55,57,59,61,63,65,68,70,72,74,76]
[26,16,17,18,20,21,23,24,26,28,29,31,33,35,37,39,40,42,44,46,48,51,53,55,57,59,61,63,65,68,70,72,74,76]
[27,16,17,19,20,22,23,25,26,28,30,31,33,35,37,39,41,43,45,47,49,51,53,55,57,59,61,63,66,68,70,72,74,76]
[28,16,18,19,20,22,23,25,27,28,30,32,33,35,37,39,41,43,45,47,49,51,53,55,57,59,61,64,66,68,70,72,74,77]
[29,17,18,19,21,22,24,25,27,28,30,32,34,35,37,39,41,43,45,47,49,51,53,55,57,59,62,64,66,68,70,72,75,77]
[30,17,18,20,21,22,24,25,27,29,30,32,34,36,38,39,41,43,45,47,49,51,53,55,57,60,62,64,66,68,70,72,75,77]
[31,17,19,20,21,23,24,26,27,29,31,32,34,36,38,40,42,43,45,47,49,51,53,56,58,60,62,64,66,68,70,73,75,77]
[32,18,19,20,22,23,25,26,28,29,31,33,34,36,38,40,42,44,46,48,50,52,54,56,58,60,62,64,66,68,71,73,75,77]
[33,18,19,21,22,23,25,26,28,30,31,33,35,36,38,40,42,44,46,48,50,52,54,56,58,60,62,64,66,69,71,73,75,77]
[34,18,20,21,22,24,25,27,28,30,32,33,35,37,39,40,42,44,46,48,50,52,54,56,58,60,62,64,67,69,71,73,75,77]
[35,19,20,21,23,24,26,27,29,30,32,34,35,37,39,41,43,44,46,48,50,52,54,56,58,61,63,65,67,69,71,73,75,77]
[36,19,20,22,23,24,26,27,29,31,32,34,36,37,39,41,43,45,47,49,51,53,55,57,59,61,63,65,67,69,71,73,76,78]
[37,19,21,22,23,25,26,28,29,31,33,34,36,38,40,41,43,45,47,49,51,53,55,57,59,61,63,65,67,69,71,74,76,78]
[38,20,21,22,24,25,27,28,30,31,33,35,36,38,40,42,44,45,47,49,51,53,55,57,59,61,63,65,67,70,72,74,76,78]
[39,20,21,23,24,26,27,29,30,32,33,35,37,38,40,42,44,46,48,50,51,53,55,57,59,61,64,66,68,70,72,74,76,78]
[40,21,22,23,25,26,27,29,30,32,34,35,37,39,41,42,44,46,48,50,52,54,56,58,60,62,64,66,68,70,72,74,76,78]
[41,21,22,24,25,26,28,29,31,33,34,36,38,39,41,43,45,46,48,50,52,54,56,58,60,62,64,66,68,70,72,74,77,79]
[42,21,23,24,25,27,28,30,31,33,35,36,38,40,41,43,45,47,49,51,53,54,56,58,60,62,64,66,69,71,73,75,77,79]
[43,22,23,25,26,27,29,30,32,33,35,37,38,40,42,44,45,47,49,51,53,55,57,59,61,63,65,67,69,71,73,75,77,79]
[44,22,24,25,26,28,29,31,32,34,36,37,39,41,42,44,46,48,50,51,53,55,57,59,61,63,65,67,69,71,73,75,77,80]
[45,23,24,26,27,28,30,31,33,34,36,38,39,41,43,45,46,48,50,52,54,56,58,60,62,64,66,68,70,72,74,76,78,80]
[46,23,25,26,27,29,30,32,33,35,37,38,40,42,43,45,47,49,50,52,54,56,58,60,62,64,66,68,70,72,74,76,78,80]
[47,24,25,27,28,29,31,32,34,36,37,39,40,42,44,46,47,49,51,53,55,57,59,60,62,64,66,68,70,72,74,76,79,81]
[48,25,26,27,29,30,32,33,35,36,38,39,41,43,44,46,48,50,52,53,55,57,59,61,63,65,67,69,71,73,75,77,79,81]
[49,25,27,28,29,31,32,34,35,37,38,40,42,43,45,47,49,50,52,54,56,58,60,61,63,65,67,69,71,73,75,77,79,81]
[50,26,27,29,30,31,33,34,36,37,39,41,42,44,46,47,49,51,53,55,56,58,60,62,64,66,68,70,72,74,76,78,80,82]
[51,27,28,29,31,32,33,35,37,38,40,41,43,45,46,48,50,52,53,55,57,59,61,63,65,67,68,70,72,74,76,78,80,82]
[52,27,29,30,31,33,34,36,37,39,40,42,44,45,47,49,50,52,54,56,58,60,61,63,65,67,69,71,73,75,77,79,81,83]
[53,28,29,31,32,34,35,36,38,40,41,43,44,46,48,49,51,53,55,57,58,60,62,64,66,68,70,72,74,76,78,80,82,84]
[54,29,30,31,33,34,36,37,39,40,42,44,45,47,49,50,52,54,55,57,59,61,63,65,67,68,70,72,74,76,78,80,82,84]
[55,30,31,32,34,35,37,38,40,41,43,44,46,48,49,51,53,55,56,58,60,62,64,65,67,69,71,73,75,77,79,81,83,85]
[56,31,32,33,35,36,38,39,41,42,44,45,47,49,50,52,54,55,57,59,61,63,64,66,68,70,72,74,76,78,80,82,84,86]
[57,31,33,34,36,37,38,40,41,43,45,46,48,49,51,53,55,56,58,60,62,63,65,67,69,71,73,75,77,79,80,82,84,86]
[58,32,34,35,37,38,39,41,42,44,46,47,49,50,52,54,56,57,59,61,63,64,66,68,70,72,74,76,77,79,81,83,85,87]
[59,33,35,36,38,39,40,42,44,45,47,48,50,51,53,55,57,58,60,62,64,65,67,69,71,73,75,76,78,80,82,84,86,88]
[60,35,36,37,39,40,42,43,45,46,48,49,51,53,54,56,58,59,61,63,65,66,68,70,72,74,76,77,79,81,83,85,87,89]
[61,36,37,38,40,41,43,44,46,47,49,51,52,54,55,57,59,61,62,64,66,68,69,71,73,75,77,79,80,82,84,86,88,90]
[62,37,38,40,41,43,44,46,47,49,50,52,53,55,57,58,60,62,63,65,67,69,71,72,74,76,78,80,82,84,85,87,89,91]
[63,38,40,41,42,44,45,47,48,50,52,53,55,56,58,60,61,63,65,67,68,70,72,74,76,77,79,81,83,85,87,89,91,92]
[64,40,41,42,44,45,47,48,50,51,53,55,56,58,59,61,63,65,66,68,70,72,73,75,77,79,81,82,84,86,88,90,92,94]
[65,41,43,44,45,47,48,50,51,53,55,56,58,59,61,63,64,66,68,70,71,73,75,77,78,80,82,84,86,88,89,91,93,95]
[66,43,44,46,47,49,50,52,53,55,56,58,59,61,63,64,66,68,69,71,73,75,76,78,80,82,84,85,87,89,91,93,95,97]
[67,44,46,47,49,50,52,53,55,56,58,60,61,63,64,66,68,69,71,73,75,76,78,80,82,83,85,87,89,91,93,95,96,98]
[68,46,48,49,51,52,54,55,57,58,60,61,63,65,66,68,70,71,73,75,76,78,80,82,84,85,87,89,91,93,94,96,98,100]
[69,48,50,51,53,54,56,57,59,60,62,63,65,67,68,70,72,73,75,77,78,80,82,84,86,87,89,91,93,95,96,98,100,102]
[70,50,52,53,55,56,58,59,61,62,64,66,67,69,70,72,74,75,77,79,81,82,84,86,88,89,91,93,95,97,99,100,102,104]
[71,53,54,56,57,59,60,62,63,65,66,68,70,71,73,75,76,78,80,81,83,85,86,88,90,92,94,95,97,99,101,103,105,106]
[72,55,57,58,60,61,63,64,66,67,69,71,72,74,75,77,79,80,82,84,86,87,89,91,93,94,96,98,100,102,103,105,107,109]
[73,58,59,61,62,64,65,67,69,70,72,73,75,77,78,80,82,83,85,87,88,90,92,94,95,97,99,101,103,104,106,108,110,112]
[74,61,62,64,65,67,69,70,72,73,75,77,78,80,81,83,85,87,88,90,92,93,95,97,99,100,102,104,106,108,109,111,113,115]
[75,64,66,67,69,70,72,74,75,77,78,80,82,83,85,87,88,90,92,93,95,97,99,100,102,104,106,108,109,111,113,115,117,119]
[76,68,70,71,73,74,76,77,79,81,82,84,86,87,89,91,92,94,96,97,99,101,103,104,106,108,110,112,113,115,117,119,121,123]
[77,72,74,75,77,79,80,82,83,85,87,88,90,92,93,95,97,98,100,102,104,105,107,109,111,113,114,116,118,120,122,123,125,127]
[78,77,79,80,82,83,85,87,88,90,92,93,95,97,98,100,102,103,105,107,109,110,112,114,116,118,119,121,123,125,127,128,130,132]
[79,82,84,85,87,89,90,92,94,95,97,99,100,102,104,105,107,109,111,112,114,116,118,120,121,123,125,127,129,130,132,134,136,138]
[80,88,90,91,93,94,96,98,99,101,103,105,106,108,110,111,113,115,117,118,120,122,124,126,127,129,131,133,135,136,138,140,142,144]
[81,94,96,98,99,101,103,104,106,108,109,111,113,115,116,118,120,122,123,125,127,129,130,132,134,136,138,140,141,143,145,147,149,151]
[82,101,103,105,106,108,110,111,113,115,116,118,120,122,123,125,127,129,130,132,134,136,138,139,141,143,145,147,149,150,152,154,156,158]
[83,109,110,112,114,115,117,119,121,122,124,126,128,129,131,133,135,136,138,140,142,144,145,147,149,151,153,155,156,158,160,162,164,166]
[84,117,119,120,122,124,125,127,129,131,132,134,136,138,139,141,143,145,147,148,150,152,154,156,158,159,161,163,165,167,169,170,172,174]
[85,126,127,129,131,133,134,136,138,140,141,143,145,147,149,150,152,154,156,158,159,161,163,165,167,169,170,172,174,176,178,180,181,183]
[86,126,127,129,131,133,134,136,138,140,141,143,145,147,149,150,152,154,156,158,159,161,163,165,167,169,170,172,174,176,178,180,181,183]
[87,126,127,129,131,133,134,136,138,140,141,143,145,147,149,150,152,154,156,158,159,161,163,165,167,169,170,172,174,176,178,180,181,183]
[88,126,127,129,131,133,134,136,138,140,141,143,145,147,149,150,152,154,156,158,159,161,163,165,167,169,170,172,174,176,178,180,181,183]
[89,126,127,129,131,133,134,136,138,140,141,143,145,147,149,150,152,154,156,158,159,161,163,165,167,169,170,172,174,176,178,180,181,183]
[90,126,127,129,131,133,134,136,138,140,141,143,145,147,149,150,152,154,156,158,159,161,163,165,167,169,170,172,174,176,178,180,181,183]
[91,126,127,129,131,133,134,136,138,140,141,143,145,147,149,150,152,154,156,158,159,161,163,165,167,169,170,172,174,176,178,180,181,183]
[92,126,127,129,131,133,134,136,138,140,141,143,145,147,149,150,152,154,156,158,159,161,163,165,167,169,170,172,174,176,178,180,181,183]
[93,126,127,129,131,133,134,136,138,140,141,143,145,147,149,150,152,154,156,158,159,161,163,165,167,169,170,172,174,176,178,180,181,183]
[94,126,127,129,131,133,134,136,138,140,141,143,145,147,149,150,152,154,156,158,159,161,163,165,167,169,170,172,174,176,178,180,181,183]
[95,126,127,129,131,133,134,136,138,140,141,143,145,147,149,150,152,154,156,158,159,161,163,165,167,169,170,172,174,176,178,180,181,183]
[96,126,127,129,131,133,134,136,138,140,141,143,145,147,149,150,152,154,156,158,159,161,163,165,167,169,170,172,174,176,178,180,181,183]
[97,126,127,129,131,133,134,136,138,140,141,143,145,147,149,150,152,154,156,158,159,161,163,165,167,169,170,172,174,176,178,180,181,183]
[98,126,127,129,131,133,134,136,138,140,141,143,145,147,149,150,152,154,156,158,159,161,163,165,167,169,170,172,174,176,178,180,181,183]
[99,126,127,129,131,133,134,136,138,140,141,143,145,147,149,150,152,154,156,158,159,161,163,165,167,169,170,172,174,176,178,180,181,183]
[100,126,127,129,131,133,134,136,138,140,141,143,145,147,149,150,152,154,156,158,159,161,163,165,167,169,170,172,174,176,178,180,181,183]
[101,126,127,129,131,133,134,136,138,140,141,143,145,147,149,150,152,154,156,158,159,161,163,165,167,169,170,172,174,176,178,180,181,183]
[102,126,127,129,131,133,134,136,138,140,141,143,145,147,149,150,152,154,156,158,159,161,163,165,167,169,170,172,174,176,178,180,181,183]
[103,126,127,129,131,133,134,136,138,140,141,143,145,147,149,150,152,154,156,158,159,161,163,165,167,169,170,172,174,176,178,180,181,183]
[104,126,127,129,131,133,134,136,138,140,141,143,145,147,149,150,152,154,156,158,159,161,163,165,167,169,170,172,174,176,178,180,181,183]
[105,126,127,129,131,133,134,136,138,140,141,143,145,147,149,150,152,154,156,158,159,161,163,165,167,169,170,172,174,176,178,180,181,183]
[106,126,127,129,131,133,134,136,138,140,141,143,145,147,149,150,152,154,156,158,159,161,163,165,167,169,170,172,174,176,178,180,181,183]
[107,126,127,129,131,133,134,136,138,140,141,143,145,147,149,150,152,154,156,158,159,161,163,165,167,169,170,172,174,176,178,180,181,183]
[108,126,127,129,131,133,134,136,138,140,141,143,145,147,149,150,152,154,156,158,159,161,163,165,167,169,170,172,174,176,178,180,181,183]
[109,126,127,129,131,133,134,136,138,140,141,143,145,147,149,150,152,154,156,158,159,161,163,165,167,169,170,172,174,176,178,180,181,183]
[110,126,127,129,131,133,134,136,138,140,141,143,145,147,149,150,152,154,156,158,159,161,163,165,167,169,170,172,174,176,178,180,181,183]
[111,126,127,129,131,133,134,136,138,140,141,143,145,147,149,150,152,154,156,158,159,161,163,165,167,169,170,172,174,176,178,180,181,183]
[112,126,127,129,131,133,134,136,138,140,141,143,145,147,149,150,152,154,156,158,159,161,163,165,167,169,170,172,174,176,178,180,181,183]
[113,126,127,129,131,133,134,136,138,140,141,143,145,147,149,150,152,154,156,158,159,161,163,165,167,169,170,172,174,176,178,180,181,183]
[114,126,127,129,131,133,134,136,138,140,141,143,145,147,149,150,152,154,156,158,159,161,163,165,167,169,170,172,174,176,178,180,181,183]
[115,126,127,129,131,133,134,136,138,140,141,143,145,147,149,150,152,154,156,158,159,161,163,165,167,169,170,172,174,176,178,180,181,183]
[116,126,127,129,131,133,134,136,138,140,141,143,145,147,149,150,152,154,156,158,159,161,163,165,167,169,170,172,174,176,178,180,181,183]
[117,126,127,129,131,133,134,136,138,140,141,143,145,147,149,150,152,154,156,158,159,161,163,165,167,169,170,172,174,176,178,180,181,183]
[118,126,127,129,131,133,134,136,138,140,141,143,145,147,149,150,152,154,156,158,159,161,163,165,167,169,170,172,174,176,178,180,181,183]
[119,126,127,129,131,133,134,136,138,140,141,143,145,147,149,150,152,154,156,158,159,161,163,165,167,169,170,172,174,176,178,180,181,183]
[120,126,127,129,131,133,134,136,138,140,141,143,145,147,149,150,152,154,156,158,159,161,163,165,167,169,170,172,174,176,178,180,181,183]
[]
[]
["Rates from 1/9/2025"]
[]
["GILT INDEX YIELD",0,2.5000000000000001E-3,5.0000000000000001E-3,7.4999999999999997E-3,0.01,1.2500000000000001E-2,1.4999999999999999E-2,1.7500000000000002E-2,0.02,2.2499999999999999E-2,2.5000000000000001E-2,2.75E-2,0.03,3.2500000000000001E-2,3.5000000000000003E-2,3.7499999999999999E-2,0.04,4.2500000000000003E-2,4.4999999999999998E-2,4.7500000000000001E-2,0.05,5.2499999999999998E-2,5.5E-2,5.7500000000000002E-2,0.06,6.25E-2,6.5000000000000002E-2,6.7500000000000004E-2,7.0000000000000007E-2,7.2499999999999995E-2,7.4999999999999997E-2,7.7499999999999999E-2,0.08]
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[24,18,19,21,23,24,26,27,29,31,33,35,37,39,41,43,45,47,49,51,53,55,57,60,62,64,66,68,71,73,75,77,79,82]
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