Sentences with phrase «assumed rate of return»

Part of what determines the appropriate premium amount to charge a customer is based on the insurer's assumed rate of return on its long - term investments.

Assuming a rate of return of 3 % — if you want a bigger return than that would you'd incur risk you don't want at that age.

The above assumed rates of return are 4 % and 8 %.

Assuming a rate of return of 8 % over the next 30 years, if you want to save a million dollars, you need to invest $ 700 per month.

Please note that the above assumed rates of return, 4 % and 8 % are only scenarios at these rates after recovering all applicable charges.

This example is illustrative only and uses a hypothetical assumed rate of return for illustrative purposes.

Besides, Urban has run similar calculations with lower assumed rates of return and still placed the break - even point at about 15 years (see Figure 1 here).

The annuity amount is illustrated as per mandate by IRDAI at assumed rate of return of 8 % and 4 %.

This example is illustrative only and uses a hypothetical assumed rate of return for illustrative purposes.

The current ledger (best case scenario) is calculated using a higher assumed rate of return as well as the policy fees and expenses the insurer is currently charging.

It would have been far better to not let defined benefit plans assume any rate of return greater than the rate on Treasuries that would mimic their liability profile, and require immediate relatively quick funding of deficits.

According to the math here, which assumes a rate of return after inflation of 5 % and that you live off 4 % of the nest egg in retirement, it will take 45 years to retire if you save 15 %.

* Concerning the city pension funds» adoption in 2012 of a 7 percent assumed rate of return, Bloomberg added: «If I can give you one piece of financial advice: If somebody offers you a guaranteed 7 percent on your money for the rest of your life, you take it and just make sure the guy's name is not Madoff.»

Illustration assumes a rate of return of 4 % annually with all interest and dividends reinvested.

You can input future assumed rates of return, changes to the mix, contributions, and withdrawals to project portfolio values into the future.

Non-guaranteed policies are typically illustrated with a premium that is calculated based on a favorable assumed rate of return and policy fees that could change.

Projecting the maximum illustrated assumed interest rates (generally, 12 %), using current (or assumed) administrative expenses and current costs of insurance, without showing the prospective client several other assumed rates of return, creating a Blue Sky problem.

(Note: The non - guaranteed assumed rates of returns chosen in the above example are 4 % and 8 % and the mode of premium payment is Annual.The Cash Value, Death Benefit, Maturity Benefit will change (reduce) if the customer withdraws money from the policy (by surrender of Cash Value of PUA) in between the policy term).

(Note: The above assumed rates of return, 4 % and 8 %, are only scenarios at these rates after recovering all applicable charges.

Assuming a rate of return of 3 % — if you want a bigger return than that would you'd incur risk you don't want at that age.

Resnick noted that Oregon's public employee pension fund lowered its assumed rate of return this summer from 7.75 percent to 7.5 percent.

The assumed rate of return used in this example is not guaranteed.

Any future changes in the tax treatment of investment earnings or a rate of return that is lower than the assumed rate of return may further impact the comparison.

That 42 % underfunding for PERA, by the way, makes very generous actuarial assumptions about the assumed rate of return on assets vs. the assumed payouts.

The assumed rate of return in this example is not guaranteed.

The assumed rate of return isn't guaranteed, and the results would be different given a different rate of return.

Members are required to contribute 0.75 percent more of their salary in years when the actual investment returns on the pension plan are 1 percent or more below the assumed rate of return.

He said he'd «likely» recommend a reduction in the assumed rate of return on pension - fund investments below the current 8 percent a year.

Just because the assumed rate of return is 7.5 % doesn't mean only investments expected to make 7.5 % are considered.

The previous method separated assets into equities and non-equities, while the new method expects the entire fund to earn the assumed rate of return and smoothes any unexpected gains or losses.

«Lowering the assumed rate of return is fiscally prudent and will better position the state pension fund for the future.

The employer contribution rates for the state pension fund in the coming 2016 - 17 fiscal year will once again decrease, but so will the assumed rate of return for the fund overall, Comptroller Tom DiNapoli on Friday announced.

Yes, the pension debt is much higher than CalPERS has declared, and its assumed rate of return on its investments is much more optimistic than it should be.

This means that if the plan earns its assumed rate of return of 7.75 percent and makes its full actuarially determined contribution payments, it would take the state 23 years to pay off its unfunded liabilities.

Any future changes in the tax treatment of investment earnings or a rate of return that is lower than the assumed rate of return may further impact the comparison.

Determining the break - even point depends on the future of tax rates, the future tax bracket of the IRA owner, assumed rates of return, and so on.

In that case, you would still need to invest Rs. 2.89 Lakh every month at an assumed rate of return of 11 % to be financially independent in the next 5 years.

Well, since the mortgage rates are 4 — 4.5 % lower than the assumed rate of return on the stock market, going with the 30 - year mortgage and investing early allows for 15 years of additional compounding.

It calculates the RMDs for any starting sum at an assumed rate of return out to a wildly optimistic age 115.

The assumed rate of return is not guaranteed.

The assumed rate of return in the hypothetical example has been provided solely for illustrative purposes and is not guaranteed.

Is it possible to retire extremely early if you have to assume this rate of return, or should I be more realistic and say the goal is «early semi-retirement»?

The most - common usage is to see if the fund of money will last until some assumed age (usually life expectancy), given an assumed rate of return on investment accounts.

• Assumed rates of return, inflation, and taxes.