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["Starting salary",25000,{"$nulls":5},"year","age","RPI","salary (boy)","pen cont","pen pot (eoy)","cum pen cont","CARE","inv ret"]
["Pension contribution",{"v":0.08,"d":"8%"},{"$nulls":5},2023,{"$f":"start_age","v":21},1,{"$f":"B2","v":{"v":25000,"d":"25,000"}},{"$f":"K3*pencont","v":{"v":2000,"d":"2,000"}},{"$f":"L3*(1+P3)^(0.5)","v":{"v":2039.6078054371142,"d":"2,040"}},{"$f":"L3*(1+pen_cont_roll_up)^(0.5)","v":{"v":2019.9009876724156,"d":"2,020"}},{"$f":"K3","v":{"v":25000,"d":"25,000"}},{"$f":"investment+(INT(RAND()*2)*2-1)*inv_vol","v":{"v":0.04,"d":"4%"}}]
["inflation",{"v":0.02,"d":"2%"},{"$nulls":5},{"$f":"H3+1","v":2024},{"$f":"I3+1","v":22},{"$f":"J3*(1+RPI)","v":1.02},{"$f":"K3*(1+NAE+promadd)","v":{"v":26000,"d":"26,000"}},{"v":2080,"d":"2,080"},{"$f":"M3*(1+P4)+L4*(1+P4)^0.5","v":{"v":4242.384235309197,"d":"4,242"}},{"$f":"N3*(1+pen_cont_roll_up)+L4*(1+pen_cont_roll_up)^0.5","v":{"v":4160.996034605176,"d":"4,161"}},{"$f":"((O3)*(I4-start_age)*(1+RPI)+K4)/(I4-start_age+1)","v":{"v":25750,"d":"25,750"}},{"v":0.04,"d":"4%"}]
["average earnings",{"v":0.03,"d":"3%"},{"$nulls":5},{"$f":"H4+1","v":2025},{"$f":"I4+1","v":23},{"v":1.0404,"d":"1.04"},{"v":27040,"d":"27,040"},{"v":2163.2,"d":"2,163"},{"$f":"M4*(1+P5)+L5*(1+P5)^0.5","v":{"v":6618.119407082347,"d":"6,618"}},{"v":6428.940863563764,"d":"6,429"},{"v":26523.333333333332,"d":"26,523"},{"v":0.04,"d":"4%"}]
["promotional addition",{"v":0.01,"d":"1%"},{"$nulls":5},2026,24,{"v":1.061208,"d":"1.06"},{"v":28121.600000000002,"d":"28,122"},{"v":2249.728,"d":"2,250"},{"v":9177.125577820854,"d":"9,177"},{"v":8829.633585432184,"d":"8,830"},{"v":27320.75,"d":"27,321"},{"v":0.04,"d":"4%"}]
["investment return",{"v":0.04,"d":"4%"},{"$nulls":5},2027,25,{"v":1.08243216,"d":"1.08"},{"v":29246.464000000004,"d":"29,246"},{"v":2339.7171200000003,"d":"2,340"},{"v":11930.263251167113,"d":"11,930"},{"v":11369.224717921858,"d":"11,369"},{"v":28143.024800000003,"d":"28,143"},{"v":0.04,"d":"4%"}]
["volatility",{"v":0,"d":"0%"},{"$nulls":5},2028,26,{"v":1.1040808032,"d":"1.10"},{"v":30416.322560000004,"d":"30,416"},{"v":2433.3058048000003,"d":"2,433"},{"v":14888.968537456556,"d":"14,889"},{"v":14054.127611492566,"d":"14,054"},{"v":28990.958173333336,"d":"28,991"},{"v":0.04,"d":"4%"}]
["pen cont roll up",{"v":0.02,"d":"2%"},{"$nulls":5},2029,27,{"v":1.126162419264,"d":"1.13"},{"v":31632.975462400005,"d":"31,633"},{"v":2530.6380369920003,"d":"2,531"},{"v":18065.281825447288,"d":"18,065"},{"v":16891.02929890318,"d":"16,891"},{"v":29865.37706902858,"d":"29,865"},{"v":0.04,"d":"4%"}]
["start age",21,{"$nulls":5},{"$f":"H9+1","v":2030},{"$f":"I9+1","v":28},{"v":1.14868566764928,"d":"1.15"},{"v":32898.29448089601,"d":"32,898"},{"v":2631.863558471681,"d":"2,632"},{"v":21471.877826817352,"d":"21,472"},{"v":19886.90178546924,"d":"19,887"},{"v":30767.135844220007,"d":"30,767"},{"v":0.04,"d":"4%"}]
["ret age",65,{"$nulls":5},2031,29,{"v":1.1716593810022657,"d":"1.17"},{"v":34214.22626013185,"d":"34,214"},{"v":2737.138100810548,"d":"2,737"},{"v":25122.097057376304,"d":"25,122"},{"v":23049.01379779014,"d":"23,049"},{"v":31697.11719432968,"d":"31,697"},{"v":0.04,"d":"4%"}]
["Annuity",{"$f":"94-NRA","v":29},{"$nulls":5},2032,30,{"v":1.195092568622311,"d":"1.20"},{"v":35582.79531053713,"d":"35,583"},{"v":2846.62362484297,"d":"2,847"},{"v":29029.978821857065,"d":"29,030"},{"v":26384.943009421917,"d":"26,385"},{"v":32656.23311544836,"d":"32,656"},{"v":0.04,"d":"4%"}]
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[null,"actual (at NRA)","real terms (2022)","value","Cost","ratio",null,2038,36,{"v":1.3458683383241299,"d":"1.35"},{"v":45023.58763767292,"d":"45,024"},{"v":3601.8870110138337,"d":"3,602"},{"v":58771.494895730975,"d":"58,771"},{"v":50517.273328058334,"d":"50,517"},{"v":39077.77661223283,"d":"39,078"},{"v":0.04,"d":"4%"}]
["Final salary",{"$f":"VLOOKUP(NRA,table,3,FALSE)","v":{"v":140412.87695820688,"d":"140,413"}},{"$f":"B19/VLOOKUP(NRA,table,2,FALSE)","v":{"v":58748.85142266631,"d":"58,749"}},{"$nulls":4},2039,37,{"v":1.3727857050906125,"d":"1.37"},{"v":46824.53114317984,"d":"46,825"},{"v":3745.9624914543874,"d":"3,746"},{"v":64942.50185978273,"d":"64,943"},{"v":55310.85546275577,"d":"55,311"},{"v":40269.04973263646,"d":"40,269"},{"v":0.04,"d":"4%"}]
["Final salary pension",{"$f":"MIN(40,NRA-start_age)/accrual*B19","v":{"v":93608.58463880458,"d":"93,609"}},{"$f":"B20/VLOOKUP(NRA,table,2,FALSE)","v":{"v":39165.90094844421,"d":"39,166"}},{"$f":"B12*B20","v":{"v":2714648.954525333,"d":"2,714,649"}},{"$f":"VLOOKUP(NRA,table,6,FALSE)","v":{"v":343718.6205531221,"d":"343,719"}},{"$f":"D20/E20","v":{"v":7.897881558342228,"d":"7.898"}},null,2040,38,{"v":1.4002414191924248,"d":"1.40"},{"v":48697.51238890704,"d":"48,698"},{"v":3895.800991112563,"d":"3,896"},{"v":71513.15498912545,"d":"71,513"},{"v":60351.6387068726,"d":"60,352"},{"v":41497.93526404573,"d":"41,498"},{"v":0.04,"d":"4%"}]
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