Imago RIY Plus Calculator

The Reduction In Yield (RIY Plus) calculator was initially designed to support advisers in the process of moving legacy assets into higher performing, more versatile and diverse pensions offerings, and specifically to help them migrate legacy assets onto the most suitable platform. RIY Plus also supports providers in enabling them to monitor RIYs on their products against competitor offerings. In addition, providers are using Dunstan Thomas’ tool to run RIY checks before stimulating customers on their legacy products to migrate to newer and more attractive pensions offerings.

The calculator works by conducting a ‘hard’ and ‘soft’ facts-based calculation of the costs of different but comparable schemes. Once the calculation has been carried out the tool is able to generate a FSA-compliant Suitability letter for presentation to the client. The tool is already widely used by para-planners and advisers when advising on legacy asset migration events and aiming to select platforms.