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Projection assumptions

Important information and assumptions
  • This projection should not be taken as advice or a recommendation
  • The results are based on our current understanding of legislation, and HMRC practice, both of which may change in the future
  • These figures are illustrative and are not guaranteed. The value of an investment can go down as well as up so you could get back less than has been paid in.
  • The projection is shown based on a low, medium and high growth rate. We have set the medium growth rate at a rate that we consider reasonable and appropriate based on the funds that you’ve chosen and have also taken into consideration the rules and maximum rates set by the Financial Conduct Authority (FCA). The rates are assumptions and we don’t guarantee the amount you might get back. The high growth rate is the medium growth rate plus 3% and the low growth rate is the medium growth rate minus 3% (this is in line with FCA rules on low and high growth rates). The growth rates do not take account of price inflation.
  • Your personalised Key Features Illustration will be based on the same low, medium and high growth rates but in the Key Features Illustration the rates are adjusted to allow for price inflation. As a result the figures in your Key Features Illustration showing what you might get back in the future will be different.
  • We assume that the fund charges that currently apply to the funds you have selected will apply throughout the investment term.
  • The value of an investment can go down as well as up so you could get back less than has been paid in. The figures shown are not a reliable indicator of potential investment performance.
  • The calculations are based on the values you have provided and assume you continue to pay the stated regular payments during the investment period. They assume you do not make any withdrawals from your ISA during the investment period.
  • Where the investment period selected for a JISA goes beyond your child’s 18th birthday, we assume that once the JISA is converted to an ISA on your child’s 18th birthday, the ISA plan will remain with Vitality until the end of the investment period selected.
  • The projection assumes you have not made any subscriptions into another ISA or JISA in the current tax year so the full ISA or JISA annual subscription limit is available to you.
  • The projection also shows any impact from the Investment Booster. The level of benefits that you are eligible for will depend on the type of funds your plan invests into. For full details of the Investment Booster please see the VitalityInvest ISA and JISA terms and conditions as well as the Investment Booster schedule. The projection does not take the Healthy Living Discount into account. More information on the Healthy Living Discount can be found in the Charges schedule.
  • The projection assumes that the proportion of your plan held in each fund you’ve chosen remains the same in the future.
  • It also assumes the current VitalityInvest ISA and JISA product charges and Investment Booster rates apply throughout the investment term. The current charges and rates can be found in the Investment Booster schedule and Charges schedule.
  • The values don’t take into account the effects of price inflation. Price inflation will reduce what you can buy with a given amount of money over time.