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15 September 2017 last updated
Latest Gilt Yields Chart
15-year gilt yields - last 10 years
Based on figures for September 2017
Annuity Rates Chart
 
15-year gilt yields chart is at 1.34% on 7 September 2017

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 September 2017 yields were 349 basis points lower since July 2008 when they were 4.83% and on this basis annuity rates should have reduced by 34.9%. Our benchmark example has decreased by 30.7% suggesting annuity rates could decrease by -4.2% in the long term. For the latest updates see Annuity Rates Review.
 
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Single
  55 £4,164  
  60 £4,625  
  65 £5,370  
  70 £5,980  
Joint
  55 £3,918  
  60 £4,367  
  65 £4,895  
  70 £5,348  
£100,000 purchase, level and standard rates
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