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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 and apply to males and females.

Please note that the GAD tables are changing from 1 July 2017: for more informaiton please view the Gov.UK website.

Government Actuary’s Department (GAD) table
July 2017 - 1.50%August 2017 - 1.75%
Age£  Age£
23, 24 or 2524 23, 24 or 2526
2624 2626
2725 2726
2825 2827
2925 2927
3025 3027
3126 3127
3226 3228
3326 3328
3427 3428
3527 3529
3627 3629
3728 3729
3828 3830
3929 3930
4029 4030
4129 4131
4230 4231
4330 4332
4431 4432
4531 4533
4632 4633
4732 4734
4833 4835
4934 4935
5034 5036
5135 5137
5236 5237
5336 5338
5437 5439
5538 5540
5639 5641
5740 5741
5841 5842
5942 5944
6043 6045
6144 6146
6246 6247
6347 6348
6448 6450
6550 6551
6652 6653
6753 6755
6855 6857
6957 6959
7059 7061
7162 7163
7264 7266
7367 7369
7470 7472
7574 7575
7677 7679
7782 7783
7887 7888
7992 7994
8098 8099
81104 81106
82111 82113
83119 83121
84127 84129
85 or over136 85 or over138

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