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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.

 

Government Actuary’s Department (GAD) table
April 2017 - 2%May 2017 - 2%
Age£  Age£
2527 2527
2628 2628
2728 2728
2828 2828
2928 2928
3029 3029
3129 3129
3229 3229
3330 3330
3430 3430
3530 3530
3631 3631
3731 3731
3831 3831
3932 3932
4032 4032
4133 4133
4233 4233
4333 4333
4434 4434
4534 4534
4635 4635
4736 4736
4836 4836
4937 4937
5037 5037
5138 5138
5239 5239
5340 5340
5440 5440
5541 5541
5642 5642
5743 5743
5844 5844
5945 5945
6046 6046
6147 6147
6249 6249
6350 6350
6451 6451
6553 6553
6655 6655
6756 6756
6858 6858
6960 6960
7062 7062
7165 7165
7267 7267
7370 7370
7473 7473
7577 7577
7681 7681
7785 7785
7890 7890
7995 7995
80101 80101
81108 81108
82115 82115
83122 83122
84131 84131
85+140 85+140

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