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GAD rates.

The Government Actuary’s Department (GAD) tables are a key part of calculating annual income in Capped Drawdown.

Accurate calculations.

When in Capped Drawdown, the uppermost level of annual income permissible is determined by reference to the value of the member's fund, their age at initial calculation and the Government Actuary's Department (GAD) tables.

The factors on the table determine the level of "basic pension" that can be drawn for each £1000 of member fund.

The factors are reviewed monthly in line with changes in UK medium/long dated gilt yields. The factors are set out below. The 2011 tables are used.

Government Actuary’s Department (GAD) table
May 2012 - 2.50%June 2012 - 2.25%
Age	Males £	Females £	Age	Males £	Females £
25	31	30	25	29	28
26	31	30	26	29	29
27	31	31	27	30	29
28	32	31	28	30	29
29	32	31	29	30	29
30	32	31	30	30	30
31	32	32	31	31	30
32	33	32	32	31	30
33	33	32	33	31	30
34	33	32	34	32	31
35	34	33	35	32	31
36	34	33	36	32	31
37	34	33	37	33	32
38	35	34	38	33	32
39	35	34	39	33	32
40	35	34	40	34	33
41	36	35	41	34	33
42	36	35	42	35	33
43	37	35	43	35	34
44	37	36	44	36	34
45	38	36	45	36	35
46	38	37	46	37	35
47	39	37	47	37	36
48	39	38	48	38	36
49	40	38	49	38	37
50	41	39	50	39	37
51	41	40	51	40	38
52	42	40	52	40	39
53	43	41	53	41	39
54	44	41	54	42	40
55	44	42	55	43	41
56	45	43	56	44	41
57	46	44	57	45	42
58	47	45	58	46	43
59	48	46	59	47	44
60	49	47	60	48	45
61	51	48	61	49	46
62	52	49	62	50	47
63	53	50	63	52	48
64	55	51	64	53	50
65	56	53	65	55	51
66	58	54	66	56	52
67	60	56	67	58	54
68	61	57	68	60	56
69	63	59	69	62	57
70	66	61	70	64	59
71	68	63	71	66	61
72	71	65	72	69	63
73	73	68	73	72	66
74	77	70	74	75	69
75	80	73	75	78	72
76	84	77	76	82	75
77	88	80	77	87	79
78	93	85	78	92	83
79	99	89	79	97	88
80	105	95	80	103	93
81	111	100	81	109	99
82	118	107	82	116	105
83	126	113	83	124	112
84	134	121	84	132	119
85+	143	129	85+	141	127

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Age	Males £	Females £	Age	Males £	Females £
25	31	30	25	29	28
26	31	30	26	29	29
27	31	31	27	30	29
28	32	31	28	30	29
29	32	31	29	30	29
30	32	31	30	30	30
31	32	32	31	31	30
32	33	32	32	31	30
33	33	32	33	31	30
34	33	32	34	32	31
35	34	33	35	32	31
36	34	33	36	32	31
37	34	33	37	33	32
38	35	34	38	33	32
39	35	34	39	33	32
40	35	34	40	34	33
41	36	35	41	34	33
42	36	35	42	35	33
43	37	35	43	35	34
44	37	36	44	36	34
45	38	36	45	36	35
46	38	37	46	37	35
47	39	37	47	37	36
48	39	38	48	38	36
49	40	38	49	38	37
50	41	39	50	39	37
51	41	40	51	40	38
52	42	40	52	40	39
53	43	41	53	41	39
54	44	41	54	42	40
55	44	42	55	43	41
56	45	43	56	44	41
57	46	44	57	45	42
58	47	45	58	46	43
59	48	46	59	47	44
60	49	47	60	48	45
61	51	48	61	49	46
62	52	49	62	50	47
63	53	50	63	52	48
64	55	51	64	53	50
65	56	53	65	55	51
66	58	54	66	56	52
67	60	56	67	58	54
68	61	57	68	60	56
69	63	59	69	62	57
70	66	61	70	64	59
71	68	63	71	66	61
72	71	65	72	69	63
73	73	68	73	72	66
74	77	70	74	75	69
75	80	73	75	78	72
76	84	77	76	82	75
77	88	80	77	87	79
78	93	85	78	92	83
79	99	89	79	97	88
80	105	95	80	103	93
81	111	100	81	109	99
82	118	107	82	116	105
83	126	113	83	124	112
84	134	121	84	132	119
85+	143	129	85+	141	127

Age	Males £	Females £	Age	Males £	Females £
25	31	30	25	29	28
26	31	30	26	29	29
27	31	31	27	30	29
28	32	31	28	30	29
29	32	31	29	30	29
30	32	31	30	30	30
31	32	32	31	31	30
32	33	32	32	31	30
33	33	32	33	31	30
34	33	32	34	32	31
35	34	33	35	32	31
36	34	33	36	32	31
37	34	33	37	33	32
38	35	34	38	33	32
39	35	34	39	33	32
40	35	34	40	34	33
41	36	35	41	34	33
42	36	35	42	35	33
43	37	35	43	35	34
44	37	36	44	36	34
45	38	36	45	36	35
46	38	37	46	37	35
47	39	37	47	37	36
48	39	38	48	38	36
49	40	38	49	38	37
50	41	39	50	39	37
51	41	40	51	40	38
52	42	40	52	40	39
53	43	41	53	41	39
54	44	41	54	42	40
55	44	42	55	43	41
56	45	43	56	44	41
57	46	44	57	45	42
58	47	45	58	46	43
59	48	46	59	47	44
60	49	47	60	48	45
61	51	48	61	49	46
62	52	49	62	50	47
63	53	50	63	52	48
64	55	51	64	53	50
65	56	53	65	55	51
66	58	54	66	56	52
67	60	56	67	58	54
68	61	57	68	60	56
69	63	59	69	62	57
70	66	61	70	64	59
71	68	63	71	66	61
72	71	65	72	69	63
73	73	68	73	72	66
74	77	70	74	75	69
75	80	73	75	78	72
76	84	77	76	82	75
77	88	80	77	87	79
78	93	85	78	92	83
79	99	89	79	97	88
80	105	95	80	103	93
81	111	100	81	109	99
82	118	107	82	116	105
83	126	113	83	124	112
84	134	121	84	132	119
85+	143	129	85+	141	127

Age	Males £	Females £	Age	Males £	Females £
25	31	30	25	29	28
26	31	30	26	29	29
27	31	31	27	30	29
28	32	31	28	30	29
29	32	31	29	30	29
30	32	31	30	30	30
31	32	32	31	31	30
32	33	32	32	31	30
33	33	32	33	31	30
34	33	32	34	32	31
35	34	33	35	32	31
36	34	33	36	32	31
37	34	33	37	33	32
38	35	34	38	33	32
39	35	34	39	33	32
40	35	34	40	34	33
41	36	35	41	34	33
42	36	35	42	35	33
43	37	35	43	35	34
44	37	36	44	36	34
45	38	36	45	36	35
46	38	37	46	37	35
47	39	37	47	37	36
48	39	38	48	38	36
49	40	38	49	38	37
50	41	39	50	39	37
51	41	40	51	40	38
52	42	40	52	40	39
53	43	41	53	41	39
54	44	41	54	42	40
55	44	42	55	43	41
56	45	43	56	44	41
57	46	44	57	45	42
58	47	45	58	46	43
59	48	46	59	47	44
60	49	47	60	48	45
61	51	48	61	49	46
62	52	49	62	50	47
63	53	50	63	52	48
64	55	51	64	53	50
65	56	53	65	55	51
66	58	54	66	56	52
67	60	56	67	58	54
68	61	57	68	60	56
69	63	59	69	62	57
70	66	61	70	64	59
71	68	63	71	66	61
72	71	65	72	69	63
73	73	68	73	72	66
74	77	70	74	75	69
75	80	73	75	78	72
76	84	77	76	82	75
77	88	80	77	87	79
78	93	85	78	92	83
79	99	89	79	97	88
80	105	95	80	103	93
81	111	100	81	109	99
82	118	107	82	116	105
83	126	113	83	124	112
84	134	121	84	132	119
85+	143	129	85+	141	127