Insurance bond calculation
 Share
The version of the browser you are using is no longer supported. Please upgrade to a supported browser.Dismiss

 
View only
 
 
ABCDEFGHIJKLMNOPQRSTUVWXYZAAABACADAEAFAGAHAIAJAKALAMANAOAPAQARASATAUAVAWAXAYAZBABBBCBDBEBFBGBHBIBJBKBLBMBNBOBPBQBRBSBTBUBVBWBXBYBZCACBCCCDCECFCGCHCICJCKCLCMCNCOCPCQCRCSCTCUCV
1
2
Capital Gains
6.5%
3
Dividends
2.5%
If you start to favor blue chips then Insurance bonds dominate
4
Personal Tax Rate
47%
Even at lower tax rates, insurance bonds do better after 10yrs
5
Ins bond fee
0.60%
If this goes to zero, then insurance bonds dominate
6
7
Insurance Bond
Traditional Investment with the same profile
8
YearPrincipleCapital GainDividendsCompany TaxFeeNet EarningsCGT if withdrawnValue if withdrawnPrincipleCapital GainDividendsDividend TaxNet EarningsCGT if withdrawnValue if withdrawnInsbond better
9
1$10,000$650$250-$75-$60$10,765-$306$10,460$10,000$650$250-$118$10,783-$306$10,4770
10
2$10,765$700$269-$81-$65$11,589-$317$11,271$10,783$701$270-$127$11,626-$317$11,3090
11
3$11,589$753$290-$87-$70$12,475-$494$11,981$11,626$756$291-$137$12,536-$495$12,0410
12
4$12,475$811$312-$94-$75$13,429-$685$12,745$12,536$815$313-$147$13,517-$687$12,8300
13
5$13,429$873$336-$101-$81$14,457-$890$13,567$13,517$879$338-$159$14,575-$893$13,6820
14
6$14,457$940$361-$108-$87$15,563-$1,111$14,452$14,575$947$364-$171$15,715-$1,116$14,5990
15
7$15,563$1,012$389-$117-$93$16,753-$1,348$15,405$15,715$1,021$393-$185$16,945-$1,356$15,5890
16
8$16,753$1,089$419-$126-$101$18,035-$1,604$16,430$16,945$1,101$424-$199$18,271-$1,615$16,6560
17
9$18,035$1,172$451-$135-$108$19,415-$1,880$17,535$18,271$1,188$457-$215$19,700-$1,894$17,8070
18
10$19,415$1,262$485-$146-$116$20,900-$2,176$18,723$19,700$1,281$493-$231$21,242-$2,195$19,0470
19
11$20,900$1,358$522-$157-$125$22,499$0$22,499$21,242$1,381$531-$250$22,904-$2,519$20,3851
20
12$22,499$1,462$562-$169-$135$24,220$0$24,220$22,904$1,489$573-$269$24,696-$2,869$21,8281
21
13$24,220$1,574$605-$182-$145$26,072$0$26,072$24,696$1,605$617-$290$26,629-$3,246$23,3831
22
14$26,072$1,695$652-$196-$156$28,067$0$28,067$26,629$1,731$666-$313$28,713-$3,653$25,0601
23
15$28,067$1,824$702-$211-$168$30,214$0$30,214$28,713$1,866$718-$337$30,959-$4,091$26,8681
24
25
26
Cases in which Insurance bonds are better in yr 8 for capital gains of 6.5% with a stdev of 1% and Dividends of 4.5% with a Stdev of 1%
27
Bond Calculation'!T15
28
Mean83.4%
probability that insurance bonds will be better in Yr 8
29
StdDev0.37226682
30
Variance0.1385825826
31
Skewness-1.792617474
32
Kurtosis1.214695102
33
Mode1
34
Minimum0
35
Maximum1
36
Range1
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
Loading...
Main menu