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12 July 2024 last updated
Latest Gilt Yields Chart
15-year gilt yields - last 17 years
Based on figures for July 2024
Annuity Rates Chart
15-year gilt yields chart is at 4.43% on 12 July 2024

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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 at an all time low of 0.162% on 9 March 2020 after concerns over a no-deal Brexit, the US-China trade tensions and fear of recession due to the Coronavirus.

The 15-year gilt yields had reduced significantly since June 2008 due to the financial crisis and reached a record high of 5.13% on 23 October 2023 as interest rates are expected to be higher for longer.
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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 1 July 2024 yields were -34 basis points lower than the figures in July 2008 when they were 4.83%.

The 15-year gilt yields decreased by -13 basis points to 4.49% during June 2024 with providers of standard annuities increasing rates by an average +0.98% for this month and rates may fall by -2.28% in the short term if yields remain at current levels.

For smoker and enhanced annuity providers have decreased their rates by an average of -2.28% and rates may rise by +0.20% in the short term if yields remain at current levels.

For the latest updates see Annuity Rates Review.
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  55 £6,132  
  60 £6,532  
  65 £7,247  
  70 £8,170  
  55 £5,784  
  60 £6,234  
  65 £6,808  
  70 £7,616  
£100,000 purchase, level and standard rates
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