RU in the dark about RAs?

Are you in the dark as to whether or not to invest in a retirement annuity?

When taking into account tax and investment planning opportunities, the tax profiles of retirement annuities and other forms of investment are substantially different.

View the video explanation at:

Then do the calculations for yourself by downloading the excel spreadsheet

Retirement Annuity Calculator


Showing 3 Comments »

  1. Presumably the 10% tax on dividends will be amended to 15% on the RA Calculator.

    Comment by rcweber55 — 23 February 2012 @ 4:49 pm

  2. Thanks very much for a very useful spreadsheet. I wonder if you could make it even more useful by putting in a field where the tax after retirement on income from a retirement annuity (now converted into a living annuity) is taxed at various rates ( to be inserted by the user) versus unit trust which is not taxed as income but only on dividends and capital gains. It would be even more useful to me if a futher option was added which is to remove the 40% deduction on initial investment ( this would be for additional funds I would consider investing over and above the 15% of non retirement funding allowance) so I could compare the returns on this with unit trusts where I currently invest as opposed to increasing my ra above the 15% allowable deduction. Thanks for these very useful tools.

    Comment by Hugh — 4 March 2012 @ 4:26 pm

  3. Matthew thank you for making the calculator available, I have downloaded the Zip file and I am having a problem getting the spreadsheet to work, what is the executable file. Thanks

    Comment by Michael Smythe — 20 June 2012 @ 11:52 am

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