Why is my projection showing the same or less than my contributions?


The projection takes into account:

  • any existing fund
  • assumed future contributions received through your employer will increase each year by inflation (2.5%), however any payments you send to us by personal Direct Debit will remain unchanged
  • assumed projected rate of return on the funds you’ll be invested in
  • the effect of the annual management charge (AMC) at 0.5% a year.

As the illustration takes into account the effects of inflation, the projected fund is in today’s prices and therefore the fund at retirement can be the same as or less than the monetary value of the contributions that will be paid in.

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