Zurich American 2 EP Pension Fund
By: Zurich (ex Eagle Star)
£10,000 invested in this fund on the 12/09/2008, would be worth £11,284 today.
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Retirement Calculator
Your Future Pension Illustration*
| Retirement Date: | 01/01/2035 (age: 65) |
| Overall Pension Pot at 65: | £20,181 |
| Maximum Lump Sum*: | £5,045 (tax-free) |
| Annual retirement income*: | £1,080 |
*This illustration is a guide to the possible value of your pension when you retire. It is shown in today's prices and is NOT a promise or guarantee that your pension will be paid at this rate. This is because it is based on a number of assumptions. Please click on the assumptions tab for more information.
Annual Retirement Income*
Retirement income based on 5%, 7% and 9% rates-of-return, in today's prices.
Based on 7% rate-of-return
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Top Performing Funds (3 years to 31/08/2010)
Boost Your Pension
Times are tough and pensioners are among the hardest hit. To retire with a reasonable income, you neeed to maximise your pension investment returns. The following scenarios use your information from the pension calculator tab and are based on assumptions. We also have a network of pension experts able to offer independent pension advice on how to get the most from your pensions.
The best performing pension in this sector over three years is the Zurich American Smaller Companies EP Pension Fund achieving performance of 7.26%.
| Scenarios | Lump Sum* | Annual Retirement Income* |
Increase |
|---|---|---|---|
| Taking retirement 5 years earlier | £4,366 | £689 |  -36.22% |
| Current retirement illustration (7% rate-of-return) | £5,045 | £1,080 |  0.00% |
| Changing to a pension with a 0.5% lower management charge | £5,661 | £1,212 |  12.20% |
| Delaying your retirement by 5 years | £5,828 | £1,941 | 79.62% |
| Moving to a better performing pension (e.g. 9% rate-of-return) could give you more. | £7,969 | £1,706 | 57.95% |
| Investing an extra £100 each month into your pension | £18,484 | £3,958 | 266.36% |
Discover how to boost your pension portfolio by speaking to one of our independent financial advisers for free . Simply complete the pension health check form on the next page, and we'll put you in touch with an independent pension adviser who can discuss your options in greater detail. You can find out if your existing provider is overcharging you, discover the best performing funds available and most importantly, get more of your money to spend in retirement.
Fund Information
Pension Fund Performance
| 12 Months | 36 Months | 60 Months | |
| Perfomance % | 10.72% | 3.07% | 4.96% |
| Ranking | 1st Q | 1st Q | 1st Q |
Note:Based on periods ending 31/08/2010. Past performance is no guarantee of future pension performance.
Guide: Our data-providers Morningstar UK Ltd use the ABI Sector classification system to group similar pension funds together. This fund belongs to the (ABI) North American Equity (Pen) sector. A 1st Q (Top Quartile) rank indicates the performance of the pension was among the top 25% in that sector. A 4th Q, indicates performance was among the bottom 25%.
Pension Funds Dashboard
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In the 12 months to 31/08/2010, this pension showed a 10.72% growth. |
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When compared with other funds in the same ABI sector, the pension fund ranked 1st Q. |
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The underlying fund now totals £12 million. |
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Latest unit price: £3.31 ( as of 03/09/2010) |
Fund Objective
Zurich American 2 EP: The fund's objective is to achieve above average capital growth. The ACD’s investment policy is to invest the assets of the Fund primarily in the stock of medium to large companies domiciled in North America or which have significant North American operations. If the ACD considers it desirable, it may further invest in other securities (including fixed interest securities, other equities and money market securities).
Asset Allocation
Data Source: Morningstar, rescaled long positions, dated 05/09/2010, based on total investment of £10,000.
Regional Allocation
Data Source: Morningstar, stock regional exposure, rescaled long positions, dated 05/09/2010, based on total investment of £10,000.
Equity Breakdown
Data Source: Morningstar, stock, rescaled long positions, dated 05/09/2010, based on total investment of £10,000.
**Fund prices are updated every weekday after the close of trading and before 11 p.m. wherever possible. Performance figures are presented in British Sterling (GBP). Fund returns are based upon Nav to Nav or Bid to Bid income reinvested basis. UK-domiciled funds report after-tax dividends. Non-UK-domiciled funds report gross dividends.
Copyright © 2009 Morningstar, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar; (2) may not be copied or distributed; and (3) is not warranted by either Morningstar or Net-Innovate to be accurate, complete or timely. Neither Morningstar nor its content providers nor Net-Innovate are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results.
Zurich American 2 EP: Source MorningStar Ltd (Code: VAUSA05UYF), ISIN: GB0002965316, MEX Code: ESFNAM, ABIC Code: LC00000515
Assumptions
Notes:
These values are for illustrative purposes only and are NOT a promise or guarantee that a pension will be paid at the rate shown. It shows the amount of pension that might be payable when you retire, in today's prices. It has been worked out in accordance with The Occupational and Personal Pension Schemes (Disclosure of Information) Amendment Regulations 2002 (SI 2002/1383) and Technical Memorandum 1 using various assumptions.
Among other things, your final pension will depend on:
- when you actually retire and start to take your pension;
- the actual contributions made;
- the way your own fund is invested, and the investment growth it achieves;
- how much it costs to buy a pension when you retire;
- whether you choose to buy a fixed pension or one that increases each year and what allowance (if any) you make for a pension for your [husband][wife].
This illustration has been calculated using general assumptions about various factors, including:
- that you will buy a pension that will increase each year in line with inflation (the Retail Price Index) and
- that when you die you will be married to some-one three years [older][younger] than yourself, who will inherit half of your pension.
- that your earnings will rise in line with inflation in future. In practice, earnings have in general grown faster on average than prices, though this varies significantly between people.
- we have assumed you will take 25% as a tax-free lump sum.
- we have assumed you will retire at the age of 65.
- we used 7% as the rate-of-return for this calculation.
- we used 1.5% as the annual charge for this calculation.
- The illustration excludes state pension entitlement.
What actually happens and your own individual circumstances may vary considerably from these general assumptions. The actual amount of pension will depend on the actual performance of the investments and the cost of buying a pension when you retire and so may be significantly different from the amount shown here. Because of this, you should consider getting further information or advice before you review your pension arrangements.
Neither PensionTracker or its operators Net Innovate Ltd are authorised to provide any form of financial advice. We encourage you to seek the advice of an Independent Financial Adviser. If you want to know more about the way this illustration has been worked out or the assumptions made, please see the Faculty and Institute of Actuaries website (www.actuaries.org.uk/pensions/smpi.html)
Zurich American 2 EP: Source MorningStar Ltd (Code: VAUSA05UYF), ISIN: GB0002965316, MEX Code: ESFNAM, ABIC Code: LC00000515
