Quick VieW User gUide
Contents
1. OLD MUTUAL WEALTH S RETIREMENT INCOME EXPLORER QUICK VIEW USER GUIDE E OLDMUTUAL CONTENTS CON OU hb WON 9 Contents Introduction Platform homepage landing page Age Gender Retirement Age Salary Current pension savings 10 Employee contributions 11 Employer contributions RETIREMENT INCOME EXPLORER QUICK VIEW USER GUIDE 12 How is the money invested in a risk rated fund 13 How is the money invested in specific funds 14 How is the money invested don t know 15 Income target 16 Summary page 17 Quick View outputs 18 Income target builder 19 Report 20 Assumptions OLDMUTUAL WEALTH A INTRODUCTION RETIREMENT INCOME EXPLORER QUICK VIEW USER GUIDE Old Mutual Wealth s Retirement Income Explorer tool RIET enables you to detail your clients current and future expenditure assets their attitude to risk and their income needs The tool illustrates the potential sustainability of the client s required income throughout their later lite using a calculated lite expectancy It can compare different options for taking income in retirement and can bring to life a range of potential future outcomes for their retirement based on risk appetites economic scenarios and changes to income profile It s a great tool for stimulating discussion encouraging action and demonstrating the value of your advice It should be noted that while the tool complements ongoing advice2. VIEW USER GUIDE How old are you 55 We use your age to help calculate the money you could have in retirement OLDMUTUAL WEALTH A GENDER 1 Select your client s gender 2 Click Next to move on to the next screen Notes Gender is used to determine the state pension age where this remains different for men and women up until 2020 The client s age and gender is also used to calculate their average life expectancy RETIREMENT INCOME EXPLORER QUICK VIEW USER GUIDE ppt Needback iq settings gout What is your gender Tondo heps c culasa the age you could igbo siaie pension OLDMUTUAL WEALTH RETIREMENT AGE 1 Use the slider to select the age that your client would like to start using their retirement savings 2 Click Next to move on to the next screen Notes This screen will initially show to the state pension age based on the previous input of age and gender If your client is 55 or over you will be able to select Retire now by moving the slider to the left until you reach their current age This will remove some of the screens that are no longer relevant RETIREMENT INCOME EXPLORER QUICK VIEW USER GUIDE apport feedback xj talinga gout At what age would you like to start using your retirement savings 58 state pension age ih gt We ure your netinement age ie he p calculate tha manay you could
3. aba TITA cimi epee P For car mpi za maing cien poor g ie Timi pauci a chery hpa pH Braga on tee cir page Me Bi LERE taiii qo kaa ped Fan iieri acie bar IY Oda DORON MCA ee TO CPP Henr b DOTYEA NAUHAT PTM eT Cio nw an OLDMUTUAL WEALTH Q LANDING PAGE You will come to the landing page of the Retirement Income Explorer tool 1 Select Quick View RETIREMENT INCOME EXPLORER QUICK VIEW USER GUIDE OLDMUTUAL be WEALTH EXISTING CLIENTS QUICK TOOLS yt Risk profer Suck zar i Aden how pout cients aruda fo np stag Ip mot appmprnale ase allocations d Quick View Ekm eater your information Ten malu pian for your retinemees SUPFORT TOOLS H Chini chata Enter pavsseyr and fy at your enh dia Wi dns place Powered by amp varues stochasbe modeling engine Aupp or desdback ag saing bagat ADVANCED TOOLS 3 rien Ayaa pour clients curent ieireant tih gyan and Ey alipring Toit itirsin optons or qxp orimg scenarios damonstrate nuns changing any sameri of tha ciae ratvamaat pigs ceci kaprena mair eure Wasil OLDMUTUAL WEALTH AGE Enter the client s name at the top of the screen 2 Use the slider to select the client s current age 3 Click Next to move on to the next screen Notes The slider has a range from 18 to 100 years You can also click in the box to manually enter the age RETIREMENT INCOME EXPLORER QUICK
4. and caa Tn rangs of asa types rema racune mne curat Pike 88 oH incrnaanino ye chance of panel returns Tepp oua you think E approprane ye can aestus it later OLDMUTUAL WEALTH RETIREMENT INCOME EXPLORER QUICK VIEW USER GUIDE INCOME TARGET A Client Mappor feedoach faq sefngs logo SET 1 Use the slider to select the level of gross ee income that your client will require in retirement What annual income will you need in retirement 2 Click Next to move on to the next screen 12 500 E The amount above is defaulted to 50 of your current salary Enter the amount of annual income before tax that you think you will need when you retire Don t worry about trying to adjust the amount for inflation just enter an amount in today s prices Notes The slider has a range from O to 100 000 and moves in increments of 500 You can also click in the box to manually enter the client s salary The income target intially shows to 50 of their current salary to a minimum of 12 000 if the income target is less than 24 000 This is increased by inflation from now until the projected retirement age eeoooc0 000 S EH The target income is used to show whether or not the client will be on target if they buy an annuity is shown as the gross annual amount withdrawn from the income drawdown example and is carried forward into the F
5. and suitability it does not replace the need for them It is not a cash flow modelling tool and it does not offer certainty about the future but it does provide a good indication of possible outcomes in the future using stochastic modelling You will still need to produce a KFD and KFI for any product which is recommended and or reviewed Below is an explanation of the different options you can use in the Retirement Income Tool QUICK VIEW The Quick View option provides an initial overview of the new pension options available since April 2015 once a client has reached age 55 Eight simple questions are asked about the client their current earnings existing pension tund intended retirement age and required income to provide a projected fund value at retirement age You can choose to show a range of possible outcomes based on good or poor market conditions based on our stochastic model which can be changed easily using a slider The client s life expectancy and the potential sustainability of the income throughout their later lite is shown The data entered in Quick View can be carried over into the Full View option where additional questions will need to be answered and further options are available to show a more detailed forecast The Quick View option is explained in this user guide RISK PROFILER The Risk Profiler is available to help you establish your clients attitude to risk if you do not already use a risk profili
6. to take a Pension Commencement lump Sum at outset or to use a blend of annuity and drawdown for example What if scenarios can be entered to show how changing any element of the retirement plan could impact the client s future lifestyle There are two versions of a user guide that explain the Full View option Retirement Income Exporer Full View Getting Started guide Retirement Income Explorer Full View user guide detailed version Please also read the Due Diligence document and the Questions and Answers section on our adviser website for more information about the Retirement Income Explorer tool OLDMUTUAL WEALTH RETIREMENT INCOME EXPLORER QUICK VIEW USER GUIDE HOMEPAGE Marier User Demo OLDMUTUAL from Hp Deor Error nerg DO WaT USE FAR LE KNDAUIRIES GS TAH Kak a Eee 1 After logging into the Old Mutual Wealth select the Tools tab 2 Select the Retirement Income Explorer tool aqu ns Chee See oes Beet Arp HAN pi Far and Es 3 Select Launch this tool abun ee dod Hanser Weer Demo OLOMUTUAL hom 313 Dewo Emigreren BO NOT UNE RON LVE SAME OA THAM AC TCH T LI DEME ari mapia fed pee maye ed hih paneka n a riggers m STL pr POF brun Fani ina mo ape kasi Fano F Emm Lr me Tae PR ne parakan ih ae eee and ee P uu no we as ont Sed rd eni Ww ok A Potio Repo Ta ciant ard gears n3
7. LOYER CONTRIBUTIONS 1 Use the slider to enter your client s current gross employer contribution level 2 Click Next to move on to the next screen Notes The slider has a range trom 0 to 100 and moves in increments of 1 You can also click in the box fo manually enter the client s employer contributions Since the gross amount is assumed to be credited 1o the customer s account the re striction of tax relief if the annual allowance is exceeded will not be taken into account Contributions are assumed to increase in line with RPI from now until retirement ice RETIREMENT INCOME EXPLORER QUICK VIEW USER GUIDE amp bppoi Peedi Ex3 mii ingout What percentage of your salary does your employer contribute inte your pension 7 E146 It OWT not ture Doe mozn your aayo contribunes Te yeur pensian you may 26 ati io find aut rem your pay dip or contract OLDMUTUAL WEALTH HOW IS THE MONEY INVESTED IN A RISK RATED FUND 1 Choose one of the three options to specily how your client s pension is currently invested 2 If you select In a risk rated fund you will be asked to specity the risk score of that fund from a range of 1 10 The screen will provide a description of the risk score and asset allocation assumptions 3 Click Next to move on to the next screen Notes These risk scores are comparable with Old Mutual Wealth s risk profi
8. also click in the box to manually enter the value of the clients pension savings This it the total amount of defined contribution pensions that the client wants to consider their options for around retirement This does not include defined benefit pensions or other non pension savings such as ISAs These may be added later in the Full view version of the Retirement Income Explorer tool This does not take into account any limits to lifetime allowance or taxation consequences OLDMUTUAL WEALTH EMPLOYEE CONTRIBUTIONS 1 Use the slider to enter your client s current gross employee contribution level 2 Click Next to move on to the next screen Notes The slider has a range trom 0 to 100 and moves in increments of 1 You can also click in the box to manually enter the clients employee contributions Contributions are assumed to increase in line with RPI from now until retirement Since the gross amount is assumed to be credited to the customer s account the restriction of tax relief if the annual allowance is exceeded will not be taken into account A Client GT SUME i ni RETIREMENT INCOME EXPLORER QUICK VIEW USER GUIDE support fejik g talinga ingout What percentage of your salary do you save into your pension each month 9 Yo 104 hoo Tha mamini ameaunt you nat yaur emp eyer avg ir z our pension OLDMUTUAL WEALTH EMP
9. atremert Lump Sum 25 83 100 This report will not be saved on the Retirement dicm a a ag NG ahan 5 E li y d a Tet relearn moame The mentre yi ini Income Explorer tool or in the client s recor NE Cem Saran Me rag bee ten on the platform You will need to save it to your investment journey nf rit vmm own computer or files for audit trail purposes Aenuai Net Wenara 27 750 If you are copying and pasting the information is aa d AA into your own report please ensure you ee ee riu include the Important Information section and Assumptions and Limitations since your client Spor must read this information with the forecast Lise sum You should be aware that this is your document TG Ka Ro COR am and you are responsible for it meeting your KAG AN NK Ega compliance requirements You will still need to produce a KFD and KFI for any product which is recommended and or reviewed Com CREER 1 PRAY A be pat rti ebrii dy pode Ph nie cies nA PR cma cm aana a oos poo maan moo a mean ooo ama an a M a aab e eB ae ee 4 x28 2 1 TE TEE o TO VT d a a La ar a Lat wp ove a lt OLDMUTUAL WEALTH ASSUMPTIONS HOW IS THE ANNUITY FIGURE CALCULATED After any 25 taxtree lump sum is deducted the remainder of the pension fund is used to buy an annuity with the following assumptions e Guaranteed to be paid for the fir
10. g income ham en the money ibora 255 ini ep Pe KEMUL milked By am annu intern of your hcson unl the money runs eut E Create mapari Notes The assumptions used to calculate each of the three options are summarised on page 20 of this guide The projections are shown at today s prices they have been discounted by inflation to show the value as if they were being spent today The projections assume that the client will receive the new flat rate of State Pension due to be introduced in 2016 and that this will be increased in line with RPI OLDMUTUAL WEALTH INCOME TARGET BUILDER 1 Select the type of expenditure using the tabs at the top of the screen 2 Choose Low Average or High spend or alternatively select Custom and enter the values for each option 3 Click OK to use this income target for the retirement options Notes The low average and high spend figures are from data published by the Office for National Statistics ONS and reflect what households of two retired people from across the UK are currently spending When this is used for the target annual income the figures shown will be increased to take into account income tax rates to achieve the relevant target income you need RETIREMENT INCOME EXPLORER QUICK VIEW USER GUIDE Shoe coti values ira Mostly amounts E Yearty amounts E Essentia
11. have im OLDMUTUAL WEALTH RETIREMENT INCOME EXPLORER QUICK VIEW USER GUIDE SALARY support Hecdback tag settings ingout 1 Use the slider to enter your client s gross annual salary or net relevant earnings if they are seltemployed What is your pensionable salary 2 Click Next to move on to the next screen 25 000 po o o Enie your basic untaxed amount Some amployens may cal fis your pen ionacle salary and may be diffenent to your full salary Your pay sa shoud cianie thes for you Notes The slider has a range from 0 to 150 000 and moves in increments of 500 You can also click in the box to manually enter the client s gross salary This salary is assumed to increase in line with the retail price index RPI from now until retirement OLDMUTUAL WEALTH RETIREMENT INCOME EXPLORER QUICK VIEW USER GUIDE CURRENT PENSION SAVINGS Hep Meedback Exj mii QE 1 Use the slider to enter your client s current pension savings If they have more than one pension enter the total amount they have saved How much have you saved into pensions so far E 15 000 I you hase more has one pension enda Uie Dota emcunt you haw caved Vou will be ache to add mone detached information siti 2 Click Next to move on to the next screen Notes nd The slider has a range trom O to 3 000 000 and moves in increments of 1000 You can
12. ic funds the OCF for the fund s you select will be included This is taken trom data received trom Financial Express The client s existing pension fund and pension contributions are assumed to be invested into an Old Mutual Wealth Collective Retirement Account and the tiered Old Mutual Wealth product charge applies to the value of the fund There is no consideration for adviser fees These figures cannot be amended in Quick View however charges can be configured using Full View Reports run in Quick View can be imported into Full View OTHER ASSUMPTIONS The Annual Allowance and Lifetime Allowance are not factored into the calculations therefore should these allowances be exceeded the restriction of tax relief and tax charges on excess are not considered in the forecast The life expectancy estimate is calculated using male and female mortality rates and it is quoted for when the client reaches 65 The rates assume general mortality levels and so health lifestyle or smoker status are not considered As these are average figures your clients will have a 50 chance of living longer e OLDMUTUAL WEALTH RETIREMENT INCOME EXPLORER QUICK VIEW USER GUIDE The Retirement Income Explorer tool is compatible with the following internet browsers Internet Explorer version 8 and above Chrome Firefox Safari and Opera For more information about the tool the tollowing support documents are available Quest
13. ions and Answers www oldmutualwealth co uk riet Retirement Income Explorer Due Diligence document Retirement Income Explorer Full View Getting Started user guide Retirement Income Explorer Full View user guide detailed version Retirement Income Explorer Risk Profiler Getting Started user guide If you require any further training or assistance with the tool please contact your E Business Specialist or Old Mutual Wealth consultant or call our Customer Contact Centre on 0808 171 2626 or ask omwealth com www oldmutualwealth co uk Calls may be monitored and recorded for training purposes and to avoid misunderstandings Old Mutual Wealth is the trading name of Old Mutual Wealth Limited which provides an Individual Savings Account ISA and Collective Investment Account CIA and Old Mutual Wealth Life amp Pensions Limited which provides a Collective Retirement Account CRA and Collective Investment Bond CIB Old Mutual Wealth Life Assurance Limited Old Mutual Wealth Limited and Old Mutual Wealth Life amp Pensions Limited are registered in England amp Wales under numbers 1363932 1680071 and 4163431 respectively Registered Office at Old Mutual House Portland Terrace Southampton SO14 7EJ United Kingdom Old Mutual Wealth Life Assurance Limited and Old Mutual Wealth Lite amp Pensions Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Reg
14. les The tool will assume an ongoing cost of fund OCF of 0 8 for all of the risk rated funds RETIREMENT INCOME EXPLORER QUICK VIEW USER GUIDE A Client re gt NMENEBEBENENBFIEEBENEB n Bada ndi id Ci Pimi I ITI TIT 7 Risk level 7 TEH Fi Soe t5 ii ore Cee OF Pi UT eR Fre can in resem Por owe p rapaci pi meu Gee fee Eom mi paar mnia hort lar cxi are nonc imperans 5 qux ami gru FE irg KETENG RIPUR a acr Pitter es W Tis coe nt aca oe rak nu A r pucad bin Sera vee ail ma Pere See eee Dad eC ee ganbaca SRS i PEs ES Senseo DUST oar b Ee atat di AP y Bodo brej onesie his Hae pei Persone pou Fi aa kng 0 a EL RG g EDU py gak KA eee e En egy ncm manie ed rie acil TE WEALTH OLDMUTUAL RETIREMENT INCOME EXPLORER QUICK VIEW USER GUIDE HOW IS THE MONEY INVESTED IN SPECIFIC FUNDS 1 IF you select In specific funds you will need to search for and select the funds that your client s pension is invested in 2 You can search by Fund name CitiCode Sedol or ISIN 3 Enter the percentage for the current investment and any future contributions 4 Repeat steps two and three until all of the funds have been selected and the percentages for Balance and Contributions equals 100 5 Click Next to move on to the next screen ba ae won Tues Fb pe bee giam melos elon Note You can search from the full universe
15. ls 0 Cif Es Fakes 7E Low gan prae Hune Spa dil roo anni E conn Po Phim hs Hoa aru Pastis pansion Omar OLDMUTUAL WEALTH RETIREMENT INCOME EXPLORER QUICK VIEW USER GUIDE REPORT Imi i 2007 EE CE CS CO OE EXE DEC i imr du tion Purpose The eager an ovi of your maa fetter optio fro your perio kagi I oortoanea Ihe three mass commen options avadable i ribearnt whch ate as Talca The client report will open as a Word document and you can copy and paste the contents into your own report or brand this report with your company logo a Taking 23 lamp sum and buying a biyang arap at retirement s Taking 25 bmp sum at nrniesent and than dawg dan on your remammg pedo 1 To print or save the report use singate ronde a income ng rema the buttons at the top of the Word Za GM a a Thee rapes shows the possible qutcomes for these ERIEN document or the File menu emend bc Cater apbons are avaiable and differant ou icin Mtn if eai Man M es d xxix Lega a ah on QE FU Option 1 Litetime Annuity based on single lite healthy individual see notes below Retremwet pining ait ba help you matt your your Garces Then ane many factors bs conten RetirementPlanning Arena hist berora Eit 300 IMPORTANT NOTES Your cerent financial situation where yell R
16. ng tool such as the Old Mutual Wealth platform risk profiler There are 18 attitude to risk questions and 6 additional questions about capacity for loss which are customisable and can also be asked separately to the attitude to risk questions A report is generated which your client can sign to confirm their agreement to following your discussion with them Please read the Retirement Income Explorer Risk Profiler RIE user guide for more information FULL VIEW The Full View option is an advanced planning tool that builds on the calculation approach of the Quick View option It has three key additional areas of functionality advanced tax planning to target a net income or expense requirement throughout retirement additional data entry options additional at and in retirement options Where the Quick View option shows the gross income or fund at the target retirement date Full View shows how the available assets and incomes can target a netoHax income or goal throughout the client s whole of later life The client s expenses in retirement for utilities and other living costs can be entered optionally and used as the postretirement target income One off objectives or goals can be entered to provide additional income over a period of time for a special purchase or holiday for example A specific plan for the client s options for taking income from pensions and other investments can also be configured such as whether or not
17. o show results based on good or poor outcomes The estimated age that annual drawdown income is likely to run out is shown It will be shown in red or amber if this age is before their calculated lite expectancy ends Select What s my lifespan to view a statistical projection ot the client s expected lifespan based on their age and gender Select How much income do need to input specific expenses to recalculate the level of gross income required using the Income target builder This option is shown on the following page Click Tell me more on one of the options to start a Full View forecast using the information that has been entered This is covered in the Full View user guide Select Create report to generate a Word document that can be printed or saved into your files for use with your client Please see page 19 RETIREMENT INCOME EXPLORER QUICK VIEW USER GUIDE A Client mock mo gf mopar feedback fag semexs ppu What will you do with your 3213 110 0 i at 687 Heg d s in Beca SS Hia The ince m ci Lira Annuity 17 Lore necs fake J5 gs A iae fre hime sam e Bg B melki Ey am annual ancora parisi for Ee resi of your Efez 1 1000 E NE Mia Em B E gt Whita my Meumar bbe mochinheme dol aco 44 Drawdown beam mone umo sum TE Lam men laka 25 AS A Dax free lursp Sam lake s as a lump som ani gel a5 71900 165380000 n payin
18. of available funds not solely funds offered through Old Mutual Wealth The OCF for the tund s you select will be taken using data from Financial Express OLDMUTUAL WEALTH HOW IS THE MONEY INVESTED DON T KNOW 1 If you are unsure which funds your client s pension is currently invested in select don t know This will default to a risk rated tund of tive and will provide a description of the risk level and asset allocation on screen 2 Click Next to move on to the next screen Note An OCF of 0 8 will be assumed RETIREMENT INCOME EXPLORER QUICK VIEW USER GUIDE A Client axi gf Bpo fess Hk Berhngs Oi Do you know how your money is invested in a msk rated fund Aa UU ee ee ee ee ee egy E ncm Intermascnal Equity Lis Equity Propamy Lt Fined Insprest Cash in specific funds 1 E I don t kricw 5 Risk level 5 You Bre prepaned to tate a modande amount of investment nse imn onder to increase tha chance of achieving a positiva return Capial protecton is leas immpertand 15 you tan achigying batir ntum evel ihe panad of invesimaeri A typical mocengos kna a will usually a in a variety of autats ip chia divesification Then would be a zu5stanhalry higher proosrbon of aqutieg herbed eroieitementa and propiemy Eae fined interes and Gah Because you ane amp Low end of Fires im easior There wif ha sighi mong PAMAN kad in fixed interes
19. st tive years 50 is payable to a surviving partner on death e Increases in line with RPI The income received is added to the assumed state pension if the age that benefits are illustrated is at or after retirement he annuity amount is based on standard mortality rates published by the Institute and Faculty of Actuaries IFoA e The income shown is gross e The cost of annuities is estimated based on bond yields It is not currently possible to enter specific annuity costs The annuity quote does not take into account health or lifestyle factors You may wish to research the market for prevailing rates for your clients needs HOW IS THE DRAWDOWN FIGURE CALCULATED 25 of the pension fund is assumed to be taken as a taxtree lump sum by crystallising all of the pension fund into a flexi access drawdown arrangement This is then assumed fo remain invested and projected onwards from the retirement age and for income to be drawn down trom the pension fund to meet the target income amount if there is a shortfall after the annual State Pension has been paid This will continue until the fund runs out and the age that this is expecled to happen is shown The amount to be taken each year is that needed to satisty each year is the amount needed to satisfy the gross income target this will be taxed as income The investment strategy whilst the consumer is drawing money out is assumed to be the same as the investment strategy selec
20. ted previously for the accumulation phase This can be changed should you wish in the Full View option of the tool HOW IS THE LUMP SUM FIGURE CALCULATED The client is assumed to draw all of their pension fund in a single lump sum payment 25 of the amount withdrawn will be taxfree The remainder is taxed as income RETIREMENT INCOME EXPLORER QUICK VIEW USER GUIDE The tax calculated is the estimated eventual tax payable This is calculated assuming that the current income tax bands in force are increased in line with RPI each year and that the same marginal rates of tax as now are payable in the future It includes allowance for the removal of the personal allowance on a two for one basis on earnings over 100 000 It is assumed that this is the only income taken in the relevant tax year that this is taken i e they have ceased working when they take this fund In practice this is likely to be taken as a single Uncrystallised Fund Pension Lump Sum UFPLS This is likely to be taxed using a month 1 tax code so the actual tax deducted immediately could be significantly higher than that quoted The amount shown is the eventual net tax position once any adjustment via their PAYE tax or by a post tax year end refund is made WHAT CHARGES FEES ARE INCLUDED IN THE CALCULATIONS The charge is dependent on the investment selected in the How is the money invested step see pages 12 14 Risk rated fund don t know 0 8 OCF Specif
21. ulation Authority Their Financial Services register numbers are 110462 and 207977 respectively Old Mutual Wealth Limited is authorised and regulated by the Financial Conduct Authority with register number 165359 VAT number for all above companies is 386 1301 59 Old Mutual Global Investors is a trading name for Old Mutual Global Investors UK Limited and Old Mutual Investment Management Limited both of which are authorised and regulated by the Financial Conduct Authority Their Financial Services register numbers are 171847 and 208543 respectively Old Mutual Global Investors is registered in England amp Wales under number 02949554 and its registered office is 2 Lambeth Hill London ECAP 4WR Old Mutual Investment Management is registered in England amp Wales under number 4227837 and its registered office at Millennium Bridge House 2 Lambeth Hill London ECAV 4AJ VAT number for all above companies is 386 1301 59 Old Mutual International Guernsey Limited is regulated by the Guernsey Financial Services Commission and is licensed to write long term business under the Insurance Business Bailiwick of Guernsey Law 2002 Registered number 2424 Registered Office at Albert House South Esplanade St Peter Port Guernsey GY1 1AW Channel Islands PDF 11538 215 0787 August 2015 OLDMUTUAL WEALTH
22. ull View version of the Retirement Income Explorer tool should you choose to run a full forecast OLDMUTUAL WEALTH RETIREMENT INCOME EXPLORER QUICK VIEW USER GUIDE SUMMARY PAGE A Client support feedback faq settings logout l f ut y This is a review of all the information that gu V Dn has been entered into the Quick View tool NE You could have 3213 110100 at 68 Click Change current situation if you need to change any of the information that has been entered The money you could have is based on what we What will you do with your retirement savings know about your current situation Explore your options at retirement 2 Click Display my options to review Age 30 the pensions options available for your Salary 25 000 client Rebrement savings 15 000 Monthy contnbutions 1276 E290 The projections are shown at today s prices they have been discounted by inflation to show the value as if they were being spent today Investment strategy Risk bawel 7 Change current situation Display my options gt OLDMUTUAL WEALTH QUICK VIEW OUTPUTS This screen provides a side by side comparison which for simplicity shows the following three options e 25 taxfree lump sum with Annuity income e 25 taxfree lump sum with Drawdown income and e 100 lump sum less income tax at the client s marginal rate Move the slider t
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