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5 November 2021 last updated
Latest Gilt Yields Chart
15-year gilt yields - last 15 years
Based on figures for November 2021
Annuity Rates Chart
15-year gilt yields chart is at 1.10% on 12 November 2021

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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 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 1 November 2021 yields were 368 basis points lower since July 2008 when they were 4.83% and on this basis annuity rates should have reduced by -36.8% compared to our benchmark example decreasing by -36.1%.

The 15-year gilt yield decreased by 9 basis points to 1.15% during October 2021 with providers of standard annuities increased rates by an average 2.67% for this month and we would expect rates to fall by -1.21% in the medium term if yields remain at current levels.

For smoker and enhanced annuity providers have increased their rates by an average of 2.52% and rates may fall by -0.51% in the medium term if yields remain at current levels.

For the latest updates see Annuity Rates Review.
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Annuity Rates
  55 £3,851  
  60 £4,268  
  65 £4,965  
  70 £5,831  
  55 £3,569  
  60 £3,973  
  65 £4,581  
  70 £5,274  
£100,000 purchase, level and standard rates
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