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Market value adjuster (MVA) rates
The level of market value adjuster is dependent upon the date the original
investment was made.
The rates below are as at 6 November 2008.
| Year of entry |
Quarter |
£ Sterling |
$ US Dollar |
€ Euro |
| 1998 |
Q1 |
10% |
24% |
24% |
| |
Q2 |
11% |
25% |
25% |
| |
Q3 |
12% |
25% |
25% |
| |
Q4 |
14% |
25% |
25% |
| 1999 |
Q1 |
14% |
25% |
25% |
| |
Q2 |
16% |
25% |
25% |
| |
Q3 |
16% |
25% |
25% |
| |
Q4 |
17% |
25% |
25% |
| 2000 |
Q1 |
19% |
25% |
25% |
| |
Q2 |
19% |
25% |
25% |
| |
Q3 |
19% |
25% |
25% |
| |
Q4 |
18% |
25% |
25% |
| 2001 |
Q1 |
17% |
25% |
25% |
| |
Q2 |
15% |
25% |
25% |
| |
Q3 |
13% |
25% |
25% |
| |
Q4 |
10% |
22% |
25% |
| 2002 |
Q1 |
0% |
18% |
21% |
| |
Q2 |
0% |
14% |
16% |
| |
Q3 |
0% |
12% |
12% |
| |
Q4 |
0% |
0% |
0% |
| 2003 |
Q1 |
0% |
0% |
0% |
| |
Q2 |
0% |
0% |
0% |
| |
Q3 |
0% |
0% |
0% |
| |
Q4 |
0% |
0% |
0% |
| 2004 |
Q1 |
0% |
0% |
0% |
| |
Q2 |
0% |
0% |
0% |
| |
Q3 |
0% |
0% |
0% |
| |
Q4 |
0% |
0% |
0% |
| 2005 |
Q1 |
0% |
0% |
0% |
| |
Q2 |
0% |
12% |
0% |
| |
Q3 |
0% |
12% |
0% |
| |
Q4 |
0% |
13% |
0% |
| 2006 |
Q1 |
11% |
14% |
0% |
| |
Q2 |
13% |
14% |
0% |
| |
Q3 |
15% |
16% |
18% |
| |
Q4 |
16% |
17% |
20% |
| 2007 |
Q1 |
18% |
18% |
21% |
| |
Q2 |
18% |
19% |
21% |
| |
Q3 |
17% |
19% |
21% |
| |
Q4 |
16% |
18% |
20% |
| 2008 |
Q1 |
14% |
17% |
18% |
| |
Q2 |
13% |
15% |
16% |
| |
Q3 |
11% |
14% |
14% |
| |
Q4 |
0% |
0% |
0% |
| 2009 |
Q1 |
0% |
0% |
0% |
*CMI Insurance Company Limited guarantees that the price of units in the
Offshore With-Profits Fund can never fall, although a market value adjuster
(MVA) may apply when you withdraw from the funds. The level of MVA depends on the currency and date of investment. Please read the ‘Clerical
Medical Offshore With-Profits and the market value adjuster explained’ leaflet
(HE567) for more information.
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