惠悅-如何定制年金產(chǎn)品(編輯修改稿)
2025-01-19 22:14 本頁(yè)面
【文章內(nèi)容簡(jiǎn)介】 / annuity factor Annuity factor calculated at assumed investment return of 0% or 7% pa (excluding expenses) Investment return achieved equal to 7% pa (excluding expenses) Investment return assumed: (excl expenses) Investment return achieved: 7% pa (excl expenses) Mortality: PMA92 Year of use 2023 Initial fund 163。100,000 Male aged 60 at outset 169。 Watson Wyatt Partners 2023 Progression of ine: spreading fund over future life expectation Progression of ine annuitised fund versus nonannuitised fund Maci ntosh PIC Timag e for matis no t sup port edMortality: PMA92 Year of use 2023 Male aged 60 at outset 169。 Watson Wyatt Partners 2023 Supplier view of mortality guarantees ? Mortality improving ? How fast 1% pa? 2% pa? 3% pa? ? In future? ? Scope to review? ? Guarantees are (too) expensive? Mortality drift uncertain future improvements Maci ntosh PIC Timag e for matis no t sup port edBoth charts show expected distribution of deaths for male aged 60 in 1992, allowing for future improvements. PMA92 represents the more recent estimate Crosssubsidy operates across either distribution, and longevity protection is largely retained even if mortality is reviewed Drift in anticipated distribution allowing for newer evidence 169。 Watson Wyatt Partners 2023 Excess survivors PMA92 pared with PMA80 Maci ntosh PIC Timag e for matis no t sup port edCost to annuity provider of not reviewing mortality relates to payments made to those survivors who were not expected to live so long the red zone 169。 Watson Wyatt Partners 2023 New model Investment fund + Insurance against survival Lifetime ine model benefit statement Units Unit
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