{"text_format":"1","workbook":"xlsx","n_sheets":3,"sheets":["URF","Annuities 75%","Annuity"],"not_rendered":{"charts":0,"images":1,"macros":1,"external_links":2,"defined_names":7,"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":"URF","index":0,"n_rows":150,"n_cols":5,"rows_kept":150,"cut":false,"hidden":false,"merged":[[5,0,5,4],[7,0,7,4],[12,3,12,4],[54,0,54,4],[55,0,55,4],[13,3,13,4],[15,3,15,4],[32,3,32,4],[33,3,33,4],[52,0,52,4],[14,3,14,4],[62,0,62,4],[56,0,56,4],[57,0,57,4],[58,0,58,4],[59,0,59,4],[60,0,60,4],[61,0,61,4]]}
[]
[]
[]
[]
[]
["UNIVERSITIES RETIREMENT FUND"]
[]
["RETIREMENT BENEFIT PROJECTION"]
[]
["Input data"]
[]
["Member name",null,"X Ample"]
["Date of birth (dd/mm/yyyy)",null,"1974-09-29","Enter date of birth (Maximum age = 65 years)"]
["Retirement age",null,null,"Select retirement age in years"]
["Gender",null,"Female","Select gender"]
["Marital status",null,"Married","Select marital status"]
["Infomation date (dd/mm/yyyy)",null,"2020-04-30","Date at which Member Share and salary are known"]
["Current age at information date",null,{"$f":"TRUNC((YEAR(C17)-1900)-(YEAR(C13)-1900)+(MONTH(C17)-MONTH(C13))/12)+IF(MONTH(C17)>=MONTH(C13),MONTH(C17)-MONTH(C13),12+MONTH(C17)-MONTH(C13))/12","v":45.583333333333336}]
["Member Share at information date",null,450675,"Includes the housing loan balance"]
["Current monthly pensionable salary",null,25675]
[]
["Employer contribution % towards your Share",null,0.1]
["Residual of expense contribution % towards your Share",null,4.2270000000000002E-2]
["Member contribution % towards your Share",null,0.09,"Select your current member contribution %"]
[]
["Additional voluntary contributions (AVC):"]
["- Percentage of pensionable salary ",null,0]
["        OR"]
["- N$ per month",null,0]
[]
["Total contribution % towards your Share",null,{"$f":"C70","v":0.23227},"Includes additional voluntary contributions %"]
[]
["Investment return assumption (recommended rate is 10%)",null,0.1,"Select expected future annual investment return"]
["Salary increase assumption (recommended rate is 7%)",null,7.0000000000000007E-2,"Select expected future annual salary increase"]
[]
["Retirement benefit projection results"]
[]
["Age at retirement",null,null,{"$f":"C71","v":"please input retirement age"}]
["Current monthly contribution towards your Share, including additional voluntary contributions",null,null,{"$f":"C72","v":"please input retirement age"}]
[]
["Your expected Share at retirement (future value)",null,null,{"$f":"C79","v":"please input retirement age"}]
["Your expected Share at retirement in current value terms",null,null,{"$f":"C80","v":"please input retirement age"}]
[]
["Expected monthly pension at retirement in current value terms",null,null,{"$f":"IF(ISBLANK(C14),\"please input retirement age\",C92/12)","v":"please input retirement age"}]
["Current monthly pensionable salary",null,null,{"$f":"C20","v":25675}]
["Expected pension as % of expected pensionable salary at retirement",null,null,{"$f":"IF(ISBLANK(C14),\"please input retirement age\",C96)","v":"please input retirement age"}]
[]
["To attain a pension target of 75% of pensionable salary at retirement:"]
["- Additional voluntary contribution as % of pensionable salary required",null,null,{"$f":"IF(ISBLANK(C14),\"please input retirement age\",C102)","v":"please input retirement age"}]
["  OR"]
["- Additional lump sum required now",null,null,{"$f":"IF(ISBLANK(C14),\"please input retirement age\",C103)","v":"please input retirement age"}]
[]
["Important notes"]
[]
["1. The retirement benefit projection is provided by the Universities Retirement Fund as a tool to assist members with their retirement planning."]
["2. The results shown above are for planning purposes only. The results do not constitute an offer, guarantee or promise by the Fund."]
["3. The total administrative expenses and risk premiums are based on the latest approved costs as per 31 December 2019 valuation. In the retirement benefit projection \n     calculation,  allowance is made for the administrative expenses and risk premiums. The risk premiums and administrative expenses fluctuate over time."]
["4. The projected values shown above are based on assumptions regarding investment returns and salary increases. Actual investment returns and salary increases \n     up  to retirement will determine the final benefits."]
["5. The pension benefit is based on marital status, a 5 year guarantee period and 75% spouse pension (if applicable). It is also assumed that 100% of the Share is converted \n     into an in-Fund pension and no cash lump sum is taken at retirement. The figures are shown gross of tax."]
["6. The pension targets pension increases in line with inflation. Targeted pension increases are not guaranteed. "]
["7. It is assumed that the housing loan balance is repaid before date of retirement. "]
[]
[]
[]
[]
[]
["Calculations"]
["Current annual pensionable salary",null,{"$f":"C20*12","v":308100}]
["Dollar amount AVC into % of salary",null,{"$f":"C29*12/C68","v":0}]
["Cont rate to Share",null,{"$f":"C24+C22+C23+C27+C69","v":0.23227}]
["Retirement Age",null,{"$f":"IF(ISBLANK(C14),\"please input retirement age\",C14)","v":"please input retirement age"}]
["Monthly contribution",null,{"$f":"IF(ISBLANK(C14),\"please input retirement age\",C70*C68/12)","v":"please input retirement age"}]
["Current age",null,{"$f":"C18","v":45.583333333333336}]
["Term to Retirement Date",null,{"$f":"C71-C73","v":{"$error":"#VALUE!"}}]
["Effective annual rate",null,{"$f":"IF(C33<>C34,((1+C33)/(1+C34)-1),0.000000001)","v":2.8037383177570208E-2}]
["Effective monthly rate",null,{"$f":"(1+C75)^(1/12)-1","v":2.3069512039894935E-3}]
["Formula FV at effective monthly rate",null,{"$f":"(1-(1+$C$76)^(-(C71-$C$73)*12))/$C$76*((1+$C$33)/(1+$C$34))^(C71-$C$73)","v":{"$error":"#VALUE!"}}]
[]
["Share at retirement - FV",null,{"$f":"IF(ISBLANK(C14),\"please input retirement age\",C81*(1+$C$33)^(C71-$C$73))","v":"please input retirement age"},{"$f":"+FV(+(1+$C$33)^(1/12)-1,C74*12,0,-D81,0)","v":{"$error":"#VALUE!"}}]
["Share at retirement - PV (salary)",null,{"$f":"IF(ISBLANK(C14),\"please input retirement age\",C79/((1+$C$34)^(C71-$C$73)))","v":"please input retirement age"},{"$f":"+FV(C76,C74*12,-C72,-C19,0)","v":{"$error":"#VALUE!"}}]
["Share at retirement - PV (i)",null,{"$f":"(1-(1+$C$76)^(-(C71-$C$73)*12))/$C$76*$C$72+$C$19","v":{"$error":"#VALUE!"}},{"$f":"PV(C76,C74*12,-C72,0,0)+C19","v":{"$error":"#VALUE!"}}]
["Gender",null,{"$f":"LEFT($C$15,1)","v":"F"},{"$f":"LEFT($C$15,1)","v":"F"}]
["Marital status",null,{"$f":"LEFT($C$16,1)","v":"M"},{"$f":"LEFT($C$16,1)","v":"M"}]
[]
["LIVING ANNUITY PENSION - not applicable",null,"N/A","N/A","N/A"]
["Drawdown Factor LAP",null,"Minimum","Optimum","Maximum"]
["LAP Minimum Share N$ 1 000 000",null,{"$f":"IF($D$79<1000000,0%,5%)","v":{"$error":"#VALUE!"}},{"$f":"IF($D$79<1000000,0%,1/VLOOKUP(ROUNDUP($C$14,0),Annuity!$B$11:$P$97,IF($C$15=\"Female\",12,3),FALSE))","v":{"$error":"#VALUE!"}},{"$f":"IF($D$79<1000000,0%,15%)","v":{"$error":"#VALUE!"}}]
["Expected pension LAP",null,{"$f":"$D$79*C87","v":{"$error":"#VALUE!"}},{"$f":"$D$79*D87","v":{"$error":"#VALUE!"}},{"$f":"$D$79*E87","v":{"$error":"#VALUE!"}}]
[]
[null,null,"POOLED PENSION","LIVING ANNUITY PENSION - not applicable"]
["Annuity Factor",null,{"$f":"ROUND(VLOOKUP(C71,'Annuities 75%'!$A$12:$F$89,IF(C82=\"M\",IF($C$83=\"M\",3,IF(C83=\"S\",2,99999)),IF(C82=\"F\",IF(C83=\"M\",5,IF(C83=\"S\",4,99999)),99999)),FALSE),4)","v":{"$error":"#N/A"}},{"$f":"D87","v":{"$error":"#VALUE!"}},"Use optimum factor for LAP"]
["Current pension",null,{"$f":"C80/C91","v":{"$error":"#VALUE!"}}]
["Expected pension",null,{"$f":"C79/C91","v":{"$error":"#VALUE!"}},{"$f":"IF(D91>0,D79*D91,0)","v":{"$error":"#VALUE!"}}]
["Expected salary (yearly)",null,{"$f":"IF(ISBLANK(C14),\"please input retirement age\",$C$68*(1+$C$34)^(C71-$C$73))","v":"please input retirement age"},{"$f":"$C$68*(1+$C$34)^(C71-$C$73)","v":{"$error":"#VALUE!"}}]
["Expected salary (monthly)",null,{"$f":"C94/12","v":{"$error":"#VALUE!"}}]
["Expected pension as % of salary",null,{"$f":"C93/C94","v":{"$error":"#VALUE!"}},{"$f":"D93/D94","v":{"$error":"#VALUE!"}}]
["75% replacement ratio",null,0.75,0.75]
[]
["Ann pens required",null,{"$f":"IF(C96>C97,0,C93*(C97/C96-1))","v":{"$error":"#VALUE!"}},{"$f":"IF(D93>0,IF(D96>D97,0,D93*(D97/D96-1)),0)","v":{"$error":"#VALUE!"}}]
["Cost at NRA",null,{"$f":"C99*C91","v":{"$error":"#VALUE!"}},{"$f":"IF(D93>0,D99/D91,0)","v":{"$error":"#VALUE!"}}]
["Annual cost",null,{"$f":"C100/C77*12","v":{"$error":"#VALUE!"}},{"$f":"D100/C77*12","v":{"$error":"#VALUE!"}}]
["cons %",null,{"$f":"C101/C94","v":{"$error":"#VALUE!"}},{"$f":"D101/D94","v":{"$error":"#VALUE!"}}]
["Lump sum required",null,{"$f":"C100/(1+$C$33)^(C71-$C$73)","v":{"$error":"#VALUE!"}},{"$f":"D100/(1+$C$33)^($C$71-$C$73)","v":{"$error":"#VALUE!"}}]
[]
["Check",null,{"$f":"(C99+C93)/C94","v":{"$error":"#VALUE!"}},{"$f":"(D99+D93)/D94","v":{"$error":"#VALUE!"}}]
["Check extra cont",null,{"$f":"((C102+$C$70)*$C$68*C77/12*(1+$C$34)^(C71-$C$73)+($C$19)*(1+$C$33)^(C71-$C$73))/C91/C94","v":{"$error":"#VALUE!"}},{"$f":"((D102+$C$70)*$C$68*C77/12*(1+$C$34)^(C71-$C$73)+($C$19)*(1+$C$33)^(C71-$C$73))*D91/D94","v":{"$error":"#VALUE!"}}]
["Check extra ls",null,{"$f":"(($C$70)*$C$68*C77/12*(1+$C$34)^(C71-$C$73)+($C$19+C103)*(1+$C$33)^(C71-$C$73))/C91/C94","v":{"$error":"#VALUE!"}},{"$f":"(($C$70)*$C$68*C77/12*(1+$C$34)^(C71-$C$73)+($C$19+D103)*(1+$C$33)^(C71-$C$73))*D91/D94","v":{"$error":"#VALUE!"}}]
[]
[]
["Fund info"]
[null,null,"Retirement Age for drop down","Retirement Ages"]
[]
[null,null,{"$f":"IF(C18<D113,D113,ROUNDDOWN(C18,0)+1)","v":55},55]
[null,null,{"$f":"IF(OR(C113=65,C113=\"\"),\"\",C113+1)","v":56},56]
[null,null,{"$f":"IF(OR(C114=65,C114=\"\"),\"\",C114+1)","v":57},57]
[null,null,{"$f":"IF(OR(C115=65,C115=\"\"),\"\",C115+1)","v":58},58]
[null,null,59,59]
[null,null,60,60]
[null,null,61,61]
[null,null,62,62]
[null,null,63,63]
[null,null,64,64]
[null,null,65,65]
[]
[null,null,"Gender"]
[null,null,"Male"]
[null,null,"Female"]
[]
[null,null,"Marital"]
[null,null,"Single"]
[null,null,"Married"]
[]
[null,null,"Member "]
[null,null,7.0000000000000007E-2]
[null,null,0.08]
[null,null,0.09]
[null,null,0.1]
[]
[]
[null,null,"Interest Rate"]
[null,null,0.09]
[null,null,0.1]
[null,null,0.11]
[]
[]
[]
[null,null,"Salary Increase"]
[null,null,0.06]
[null,null,7.0000000000000007E-2]
[null,null,0.08]

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["Annuity basis","New Basis - effective 01/01/2012"]
[]
["Interest",0.06]
["Mortality","PA90 with improvements"]
["Age adj",0]
["Spouse age",4]
["Guarantee",7]
["Calc year",2020]
[]
[null,"Male Annuity factors (75% spouse reversion)",null,"Female Annuity factors (75% spouse reversion)"]
["Age","Single life","Married life","Single life","Married life"]
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[24,16.064900000000002,16.544499999999999,16.376300000000001,16.5411]
[25,16.012799999999999,16.512899999999998,16.335599999999999,16.507400000000001]
[26,15.9565,16.479099999999999,16.292300000000001,16.471699999999998]
[27,15.895799999999999,16.443100000000001,16.246500000000001,16.433800000000002]
[28,15.8307,16.404699999999998,16.197800000000001,16.393599999999999]
[29,15.761200000000001,16.363800000000001,16.1463,16.350999999999999]
[30,15.687200000000001,16.320399999999999,16.0916,16.305900000000001]
[31,15.608700000000001,16.2743,16.033799999999999,16.258099999999999]
[32,15.5253,16.2255,15.9725,16.2074]
[33,15.4369,16.1737,15.9077,16.153700000000001]
[34,15.3438,16.1189,15.839399999999999,16.096900000000002]
[35,15.245799999999999,16.0611,15.7675,16.036899999999999]
[36,15.1427,15.9999,15.6919,15.9735]
[37,15.0342,15.9353,15.612399999999999,15.906499999999999]
[38,14.9201,15.867100000000001,15.5289,15.835699999999999]
[39,14.8004,15.7951,15.4411,15.760999999999999]
[40,14.6746,15.719099999999999,15.3491,15.6821]
[41,14.5428,15.639099999999999,15.2524,15.599]
[42,14.4048,15.5547,15.151,15.5113]
[43,14.2605,15.4658,15.0448,15.418799999999999]
[44,14.1099,15.372299999999999,14.9336,15.3215]
[45,13.9529,15.274100000000001,14.8172,15.218999999999999]
[46,13.7898,15.1709,14.695399999999999,15.1112]
[47,13.6205,15.062799999999999,14.568099999999999,14.9979]
[48,13.445499999999999,14.9495,14.4352,14.8789]
[49,13.265000000000001,14.831,14.2965,14.754]
[50,13.079499999999999,14.7072,14.151999999999999,14.622999999999999]
[51,12.8895,14.578200000000001,14.0014,14.485900000000001]
[52,12.695499999999999,14.443899999999999,13.8447,14.342499999999999]
[53,12.4984,14.304399999999999,13.681900000000001,14.192600000000001]
[54,12.298400000000001,14.159700000000001,13.5129,14.036199999999999]
[55,12.0961,14.009600000000001,13.3377,13.873100000000001]
[56,11.8919,13.8543,13.1563,13.703200000000001]
[57,11.686400000000001,13.6937,12.9687,13.5261]
[58,11.48,13.528,12.775,13.342000000000001]
[59,11.273199999999999,13.356999999999999,12.575200000000001,13.1508]
[60,11.0639,13.180099999999999,12.3696,12.952400000000001]
[61,10.8522,12.997,12.158300000000001,12.747]
[62,10.638500000000001,12.8079,11.9415,12.534700000000001]
[63,10.4232,12.6128,11.7196,12.3156]
[64,10.206899999999999,12.411799999999999,11.492800000000001,12.0899]
[65,9.99,12.205,11.2616,11.857799999999999]
[66,9.7730999999999995,11.992599999999999,11.026400000000001,11.619899999999999]
[67,9.5568000000000008,11.774900000000001,10.787800000000001,11.3764]
[68,9.3415999999999997,11.552099999999999,10.546200000000001,11.128]
[69,9.1281999999999996,11.3245,10.3024,10.875]
[70,8.9171999999999993,11.092599999999999,10.0571,10.6183]
[71,8.7094000000000005,10.8568,9.8109000000000002,10.358599999999999]
[72,8.5052000000000003,10.617699999999999,9.5648999999999997,10.0968]
[73,8.3054000000000006,10.3758,9.3196999999999992,9.8337000000000003]
[74,8.1105999999999998,10.1317,9.0763999999999996,9.5702999999999996]
[75,7.9215,9.8863000000000003,8.8359000000000005,9.3079000000000001]
[76,7.7386999999999997,9.6402000000000001,8.5991999999999997,9.0475999999999992]
[77,7.5628000000000002,9.3943999999999992,8.3673999999999999,8.7904999999999998]
[78,7.3943000000000003,9.1498000000000008,8.1415000000000006,8.5380000000000003]
[79,7.2336999999999998,8.9074000000000009,7.9225000000000003,8.2913999999999994]
[80,7.0814000000000004,8.6681000000000008,7.7114000000000003,8.0519999999999996]
[81,6.9378000000000002,8.4330999999999996,7.5091999999999999,7.8211000000000004]
[82,6.8033000000000001,8.2034000000000002,7.3167999999999997,7.6]
[83,6.6779000000000002,7.9802999999999997,7.1349,7.3898000000000001]
[84,6.5618999999999996,7.7647000000000004,6.9644000000000004,7.1914999999999996]
[85,6.4553000000000003,7.5576999999999996,6.8057999999999996,7.0061999999999998]
[86,6.3581000000000003,7.3602999999999996,6.6596000000000002,6.8343999999999996]
[87,6.2698999999999998,7.1734999999999998,6.5259,6.6768999999999998]
[88,6.1908000000000003,6.9981,6.4048999999999996,6.5338000000000003]
[89,6.1201999999999996,6.8348000000000004,6.2965999999999998,6.4051999999999998]
[90,6.0579000000000001,6.6840000000000002,6.2007000000000003,6.2910000000000004]
[91,6.0031999999999996,6.5461999999999998,6.1166999999999998,6.1906999999999996]
[92,5.9558,6.4215,6.0439999999999996,6.1036999999999999]
[93,5.915,6.3098000000000001,5.9819000000000004,6.0289000000000001]
[94,5.8800999999999997,6.2108999999999996,5.9295,5.9653999999999998]
[95,5.8506,6.1242000000000001,5.8859000000000004,5.9118000000000004]
[96,5.8258000000000001,6.0491000000000001,5.8498999999999999,5.8665000000000003]
[97,5.8048999999999999,5.9847000000000001,5.8205999999999998,5.8277000000000001]
[98,5.7872000000000003,5.9298999999999999,5.7967000000000004,5.7976999999999999]
[99,5.7720000000000002,5.8833000000000002,5.7770999999999999,5.7771999999999997]
[100,5.7580999999999998,5.8436000000000003,5.7603999999999997,5.7603999999999997]
[]
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{"sheet":"Annuity","index":2,"n_rows":97,"n_cols":16,"rows_kept":97,"cut":false,"hidden":true,"merged":[]}
["PA(90) "]
[]
[null,null,"Interest rate:",0.05]
[null,null,"Val Year",2017]
[]
[]
[null,"PA(90) -1 year plus 0.5% improvement from 2007 Males,  single life",null,null,null,null,null,null,null,null,"PA(90) -1 year plus 0.5% improvement from 2007 Females,  single life"]
[null,null,"Old","New",null,null,null,null,null,null,null,"Old","New"]
[null,"  x","a","a",null,null,null,null,null,null,"  x","a","a"]
[null,null,"   x","   x",null,null,null,null,null,null,null,"   x","   x"]
[null,20,18.643063980109829,{"$f":"[2]!AnnPA90Improve(\"YES\",$D$3,$D$4,B11,\"M\",0,45,\"F\",0,12,\"arr\")","v":18.830121968567237},{"$f":"D11/C11","v":1.0100336505124361},null,"Formula in 1st line, rest are hard-copied",null,null,null,20,19.133526196251417,{"$f":"[2]!AnnPA90Improve(\"YES\",$D$3,$D$4,K11,\"F\",0,45,\"M\",0,12,\"arr\")","v":19.275719706263018},{"$f":"M11/L11","v":1.0074316416406015},null,"Formula in 1st line, rest are hard-copied"]
[null,21,18.571987576318932,18.766377896114236,1.0104668560107788,null,null,null,null,null,21,19.073170290484466,19.221720241044189,1.007788424698008]
[null,22,18.496899240033976,18.699358529446329,1.0109455799474842,null,null,null,null,null,22,19.009777571613505,19.164970581620882,1.0081638519663227]
[null,23,18.417217653159234,18.628531790972954,1.0114737275626142,null,null,null,null,null,23,18.943195242100145,19.105328920429102,1.0085589403612663]
[null,24,18.332337212680738,18.553340372008638,1.0120553727963846,null,null,null,null,null,24,18.873262816383399,19.042645968079327,1.0089747678153929]
[null,25,18.241627540840341,18.473200795544546,1.0126947693776636,null,null,null,null,null,25,18.799811734056114,18.9767645422973,1.0094124776750095]
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