/*========================================================================================================================= Title : PIA projection function for Threadneedle Version : Version 4.0 Date : 20th March 2006 =========================================================================================================================*/ function PIA_projection( CalcType, PIAType, CurrentAge, Sex, CurrentSalary, CurrentFund, SpouseFraction, TargetNRA, TargetPension, TargetEeContRate, ErContRate) { /*========================================================================================================================= Function to return either :- 1a. If CalcType = 1 then return expected pension at NRA as a percentage of salary at NRA; or 1b. If CalcType = 2 then return contributions needed to achieve target pension at NRA; or 1c. If CalcType = 3 then return required NRA given contributions to be paid and target pension at NRA; or 1d. If CalcType = 4 then return present value of expected pension at NRA. 2. If an error occurs then the function will return the following error codes :- Error1 : Contribution rate and/or current fund produces benefit above IR limits ** NO LONGER USED Error2a : Employee Contributions exceed salary Error2b : Employee plus Employer Exceed Max Conts of 215000 Error3 : Benefit chosen leads to an an NRA outside allowable range 3. The following error codes should not occur since being trapped by the calculator :- Error4 : PIA option chosen does not exist Error5 : Incorrect salary entered Error6 : Member within 2 years of retirement Error7 : Calculation option chosen does not exist Error8 : NRA entered is outside permissable range Parameters :- CalcType = 1,2, 3 or 4 PIAType = 1,2, 3 or 4 - 1 = Optimistic basis, 2 = Intermediate, 3 = Pesimistic, 4 = SMPI CurrentAge = age in whole years at date of calculation eg 35 Sex = M or F : M=male, F=female CurrentSalary = salary at date of calculation eg 10000 CurrentFund = fund value at date of calculation eg 1000 SpouseFraction = proportion of spouse's pension on death eg 0.5 = 50% TargetNRA = if CalcType = 1 or 2 then this is NRA for calculation purposes TargetPension = if CalcType = 2 or 3 then this is pension at NRA for calculation purposes TargetEeContRate = if CalcType = 1 or 3 then this is contributions to be paid as a percentage of salary for calculation purposes ErContRate = this is employer contribution to be paid as a percentage of salary For example the estimated pension as a percentage of salary at retirement for the following member is PIA Basis : 1 Age : 40 NRA : 60 Salary : 20,000 Fund : 10,000 Contribution rate : 10% ee + 10% er Benefit : 34.0% =========================================================================================================================*/ /* Dim variables*/ var PreRetInt; var SalIncs; var RPI; var ProjSal; var OnePercentPen; var CurrentPen; var PIA; var Term; var Annuity; var TempPIA; var LPIExpense; var MaxCont; var DOB; var YOB; var Interest; var Esc; var YearOfCalc; /* Set the maximum contributions for EE plus ER :- Tax year 2005/2006 */ MaxCont = 235000; /* Set the Interest for SMPI :- Tax year 2006/2007 (2005/6 rate was 1.2%) */ Interest = 0.004; /* Set the escalation rate for SMPI */ Esc = 0; /* Get the year of birth for SMPI annuity*/ datetoday = new Date(); YearOfCalc = datetoday.getFullYear(); YOB=YearOfCalc-CurrentAge /* Set PIA basis depending on option selected */ switch(PIAType) { case 1: PreRetInt = 0.09; SalIncs = 0.06; RPI = 0.045; Annuity=all_ax(Sex, TargetNRA, Interest+0.055, Esc, SpouseFraction, YOB); break; case 2: PreRetInt = 0.07; SalIncs = 0.04; RPI = 0.025; Annuity=all_ax(Sex, TargetNRA, Interest+0.035, Esc, SpouseFraction, YOB); break; case 3: PreRetInt = 0.05; SalIncs = 0.02; RPI = 0.005; Annuity=all_ax(Sex, TargetNRA, Interest+0.015, Esc, SpouseFraction, YOB); break; case 4: PreRetInt = 0.07; SalIncs = 0.025; RPI = 0.025; Annuity=all_ax(Sex, TargetNRA, Interest, Esc, SpouseFraction, YOB); break; default: return 'Error4'; break; } /* Check salary and NRA will not cause errors later*/ if (CurrentSalary < 1) { return 'Error5'; } /* Expense loading for annuities is 4%*/ LPIExpense = 0.04; /* Reduction of interest for expenses before retirement is 1% pa - added version 1.1 11th May 2001 */ PreRetInt = PreRetInt - 0.01; /* Set calculation variables*/ ProjSal = CurrentSalary; Term=TargetNRA-CurrentAge; /* Do calculation depending on calc type option*/ switch(CalcType) { case 1: if (TargetEeContRate > 100) {return 'Error2a';} if (((TargetEeContRate+ ErContRate)/100 * CurrentSalary) > MaxCont) {return 'Error2b';} if ( Term < 2 ) { return 'Error6';} if ( (TargetNRA < 55)|| (TargetNRA > 75 )) { return 'Error8'; } PIA=BenefitProjection(Term, PreRetInt, SalIncs, TargetEeContRate+ ErContRate, CurrentFund, ProjSal, (Annuity * (1 + LPIExpense))); PIA = Math.round( PIA * 1000 ) /10; break; case 2: if ( Term < 2 ) { return 'Error6'; } if ( (TargetNRA < 55)|| (TargetNRA > 75 )) { return 'Error8'; } ProjSal = CurrentSalary; OnePercentPen = BenefitProjection(Term, PreRetInt, SalIncs, 1, 0, ProjSal, (Annuity * (1 + LPIExpense))); CurrentPen = BenefitProjection(Term, PreRetInt, SalIncs, 0, CurrentFund, ProjSal, (Annuity * (1 + LPIExpense))); PIA = Math.max((TargetPension/100 - CurrentPen) / OnePercentPen / 100, 0); if ((PIA-ErContRate) > 100) {return 'Error2a';} if ((PIA/100 * CurrentSalary) > MaxCont) {return 'Error2b';} PIA = Math.round( Math.max( PIA - ErContRate/100, 0) * 1000 ) /10; break; case 3: PIA = 0; for ( var k = Math.max(55,CurrentAge); k < 76; k++ ) { if (Sex == "M") {Annuity=m_sl[k] + m_rev[k] * SpouseFraction;} else {Annuity=f_sl[k] + f_rev[k] * SpouseFraction;} if (PIAType == 4) {Annuity=all_ax(Sex, TargetNRA, Interest, Esc, SpouseFraction, YOB);} ProjSal = CurrentSalary; Term=k-CurrentAge; TempPIA=BenefitProjection(Term, PreRetInt, SalIncs, TargetEeContRate+ ErContRate, CurrentFund, ProjSal, (Annuity * (1 + LPIExpense))); TempPIA = Math.round( TempPIA * 1000 ) /10 ; if ( TempPIA >= TargetPension ) {PIA = k ; break; } } if ( (PIA < 55)|| (PIA > 75 )) { return 'Error3'; } if ( (PIA - CurrentAge < 2 )) { return 'Error6'; } break; case 4: if (TargetEeContRate > 100) {return 'Error2a';} if (((TargetEeContRate+ ErContRate)/100 * CurrentSalary) > MaxCont) {return 'Error2b';} if ( Term < 2 ) { return 'Error6';} if ( (TargetNRA < 55)|| (TargetNRA > 75 )) { return 'Error8'; } PIA=BenefitProjection(Term, PreRetInt, SalIncs, TargetEeContRate+ ErContRate, CurrentFund, ProjSal, (Annuity * (1 + LPIExpense))); PIA = SigFig(Math.round((PIA * CurrentSalary / Math.pow((1+SalIncs),1)),0),3); break; default: PIA = 'Error7'; break; } return PIA; } /*"End of PIA_projection"*/ /*=========================================================================================================================*/ /* Function to calculate % of salary at NRA */ function BenefitProjection(Term, PreRetInt, SalIncs, TargetContRate, CurrentFund, ProjSal, Annuity) { Projection=CurrentFund; for ( var i=1; i < (Term+1); i++ ) { Projection = Projection * Math.pow((1+PreRetInt),1) + ProjSal * TargetContRate/100 * Math.pow((1+PreRetInt),0.5); ProjSal = ProjSal * Math.pow((1+SalIncs),1) } Projection = Projection / Annuity / ProjSal * Math.pow((1+SalIncs),1) return Projection } /*"End of BenefitProjection"*/ /*=========================================================================================================================*/ function SigFig(X, N) { var p = Math.pow(10, N-Math.ceil(Math.log(Math.abs(X))/Math.LN10)) if (!isFinite(p)) return X return Math.round(X*p)/p } /*"End of SigFig"*/ /*=========================================================================================================================*/ function all_ax(sex, nra, interest, esc, sps_perc, yob) { var imp_factors = 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[0.00354,0.00378,0.00402,0.00425,0.00448,0.00470,0.00492,0.00514,0.00535,0.00556,0.00576,0.00597,0.00616,0.00636,0.00655,0.00674,0.00692,0.00710,0.00728,0.00746,0.00763,0.00780,0.00797,0.00813,0.00829,0.00845,0.00860,0.00876,0.00891,0.00905,0.00920,0.00934,0.00948,0.00962,0.00975,0.00989,0.01002,0.01014,0.01027,0.01039,0.01052,0.01063,0.01075,0.01087,0.01098,0.01109,0.01120,0.01131,0.01141,0.01152,0.01162,0.01172,0.01182,0.01192,0.01201,0.01210,0.01220,0.01229,0.01237,0.01246,0.01255,0.01263,0.01271,0.01280,0.01288,0.01295,0.01303,0.01311,0.01318,0.01325,0.01333,0.01340,0.01347,0.01353,0.01360,0.01367,0.01373,0.01380,0.01386,0.01392,0.01398,0.01404,0.01410,0.01416,0.01421,0.01427,0.01432,0.01437,0.01443,0.01448,0.01453,0.01458,0.01463,0.01468,0.01472,0.01477,0.01482,0.01486,0.01490,0.01495,0.01499,0.01503,0.01507,0.01511,0.01515,0.01519,0.01523,0.01527,0.01530,0.01534,0.01538,0.01541,0.01545,0.01548,0.01551,0.01555,0.01558,0.01561,0.01564,0.01567,0.01570]] /* define mort tables */ var qxdata = [[0.0,0.0], [0.00034000,0.00020300], [0.00034000,0.00020300], [0.00034000,0.00020300], [0.00034000,0.00020300], [0.00034000,0.00020300], [0.00034000,0.00020300], [0.00034000,0.00020300], [0.00034000,0.00020300], [0.00034000,0.00020300], [0.00034000,0.00020300], [0.00034000,0.00020300], [0.00034000,0.00020300], [0.00034000,0.00020300], [0.00034000,0.00020300], [0.00034000,0.00020300], [0.00034000,0.00020300], [0.00034000,0.00020300], [0.00034000,0.00020300], [0.00034000,0.00020300], [0.00034000,0.00020300], [0.00033800,0.00020200], [0.00033700,0.00020200], [0.00033500,0.00020200], [0.00033400,0.00020200], [0.00033300,0.00020300], [0.00033200,0.00020400], [0.00033100,0.00020600], [0.00033100,0.00020900], [0.00033200,0.00021200], [0.00033300,0.00021700], [0.00033500,0.00022200], [0.00033800,0.00023000], [0.00034300,0.00023800], [0.00034900,0.00024900], [0.00035700,0.00026300], [0.00036700,0.00027900], [0.00038000,0.00029800], [0.00039600,0.00032100], [0.00041700,0.00034900], [0.00044300,0.00038200], [0.00047500,0.00042100], [0.00051400,0.00046800], [0.00056100,0.00052200], [0.00061900,0.00058600], [0.00068900,0.00066200], [0.00077400,0.00075000], [0.00087600,0.00085200], [0.00099700,0.00097200], [0.00114200,0.00111000], [0.00131500,0.00127100], [0.00151900,0.00145600], [0.00176100,0.00167000], [0.00204500,0.00191700], [0.00237900,0.00220000], [0.00277100,0.00252400], [0.00322800,0.00289400], [0.00375900,0.00331700], [0.00437600,0.00379900], [0.00509000,0.00434500], [0.00591400,0.00496500], [0.00686100,0.00566700], [0.00794700,0.00645800], [0.00918900,0.00735000], [0.01060400,0.00835200], [0.01221100,0.00947600], [0.01403200,0.01073400], [0.01608800,0.01213800], [0.01840200,0.01370300], [0.02099800,0.01544200], [0.02390100,0.01737100], [0.02713700,0.01950500], [0.03073200,0.02186100], [0.03471300,0.02445500], [0.03910500,0.02730600], [0.04393500,0.03043200], [0.04922700,0.03384900], [0.05500600,0.03757700], [0.06129200,0.04163200], [0.06810600,0.04603500], [0.07546400,0.05080000], [0.08337900,0.05594600], [0.09186200,0.06148800], [0.10091700,0.06744100], [0.11054400,0.07381700], [0.12073900,0.08062900], [0.13149200,0.08788500], [0.14278600,0.09559400], [0.15459900,0.10376100], [0.16690300,0.11238600], [0.17966400,0.12147000], [0.19284100,0.13100900], [0.20638900,0.14099600], [0.22025700,0.15142000], [0.23438900,0.16226700], [0.24872700,0.17351900], [0.26320600,0.18515500], [0.27776200,0.19715000], [0.29232700,0.20947700], [0.30683200,0.22210300], [0.32120900,0.23499500], [0.33538900,0.24811500], [0.34930500,0.26142400], [0.36289300,0.27487900], [0.37609100,0.28843700], [0.38883800,0.30205400], [0.40107900,0.31568400], [0.41276300,0.32928000], [0.42384200,0.34279500], [0.43427200,0.35618500], [0.44401400,0.36940300], [0.45303300,0.38240600], [0.46129700,0.39515000], [0.46878000,0.40759400], [0.47545900,0.41970000], [0.48131300,0.43143100], [0.48632600,0.44275200], [0.49048400,0.45363000], [0.49377600,0.46403800], [0.49619400,0.47394700], [1.00000000,1.00000000]] gtee=5; age_diff = 3; table_end = 120; an=0; monthly_adv=13/24; mem_mort = new Array(120); sps_mort = new Array(120); if(sex == "M"){ age_diff = age_diff; } else{ age_diff = -1*age_diff; } for (var j=nra-Math.abs(age_diff); j<=table_end; j++){ x1 = j - 50; y1 = yob + j - 2005; x2 = j - 50; y2 = y1 + age_diff; if (x1 < 0){x1=0} if (y1 < 0){y1=0} if (y2 < 0){y2=0} if (x1<60){x = (1-imp_factors[x1][Math.min(y1,120)])} else {x = 1} if (x1<60){y = (1-imp_factors[x1][Math.min(y2,120)])} else {y = 1} if(sex=="M"){ mem_mort[j] = (1 - x * qxdata[j][0]); sps_mort[j] = (1 - y * qxdata[j][1]); } else{ mem_mort[j] = (1 - x * qxdata[j][1]) sps_mort[j] = (1 - y * qxdata[j][0]) } } net = (1+interest)/(1+esc)-1; ifrq = Math.pow(1+net, 1/12); if ((ifrq != 1.0) && (net != 0.0)){ifrq = net * ifrq/12/(ifrq-1)} else {ifrq = 1.0} an = 0; npx = 1; vn = 1; for ( var i=nra; i= nra) && (i <= (nra+gtee-1))){ an = an + vn * ifrq; if (i == (nra+gtee-1)){an = an + vn * npx * monthly_adv} } else {an = an + vn * npx} } if (sps_perc > 0.0){ npy = 1; npx = 1; vn = 1; for ( var i=(nra-age_diff); i<(table_end-Math.abs(age_diff)); i++ ) { npx = npx * mem_mort[i+age_diff] npy = npy * sps_mort[i]; vn = vn * 1.0/(1.0+net); an = an + vn*npy*(1.0-npx)*sps_perc; } } if (gtee == 0){an = an + monthly_adv} annuity =an return annuity; } /*"End of all ax"*/