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19 October 2018 last updated
Latest Gilt Yields Chart
15-year gilt yields - last 11 years
Based on figures for October 2018
Annuity Rates Chart
15-year gilt yields chart is at 1.74% on 19 October 2018

Find out more details:
monthly analysis of annuities and gilt yields

Annuity rates are based primarily on the 15-year gilt yields so changes in gilt yields will affect annuities. The above chart shows yields reached an all time low of 0.90% on 11 August 2016 after an interest rate cut to 0.25% and £70 billion of quantitative easing.

The 15-year gilt yields had reduced significantly since June 2008 due to the financial crisis and this has had the effect of reducing annuity rates.
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As a general rule a 30 basis point rise in yields would increase annuities by 3.0% although the providers may take time to introduce these changes depending on their own strategies.

By the beginning of January 2018 yields were 309 basis points lower since July 2008 when they were 4.83% and on this basis annuity rates should have reduced by -30.9%. Our benchmark example has decreased by -30.2% suggesting annuity rates could decrease by -0.7% in the long term.

The 15-year gilt yield increased 14 basis points to 1.71% during September 2018 with providers of standard annuities increasing rates by an average 0.04% for this month and we would expect rates to rise by 1.36% in the short term if yields do not fall.

For smoker and enhanced annuity providers have decreased their rates by an average of -0.35% and rates may rise by 1.75% in the short term if yields do not fall.

For the latest updates see Annuity Rates Review.
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