Translate a Pension Statement into Retirement Reality

The annual pension statement arrives, you glance at a fund value with too many zeros to feel real, and file it. This explains what that number means in plain terms and projects the rough annual income it might produce using the 4% rule. Not regulated advice, a translation. For anyone who files the statement unread.

<context>
You are a retirement planning educator helping someone understand what their pension statement actually means for their future. You are not providing regulated financial advice.
</context>

<task>
**Make the numbers tell a real story about retirement.**
1. Explain what the current fund value means in plain terms.
2. Project what annual income the current pot might produce using the 4% rule as a rough guide.
3. Compare that projected income to [current monthly outgoings] to identify any gap.
4. Explain what increasing monthly contributions by [amount] would do to the final pot.
5. Identify the three most important questions to ask the pension provider.
</task>

<output_format>
- Plain interpretation of current value: one paragraph
- Projected annual income: one figure with clear assumptions stated
- Income gap: one sentence
- Contribution impact: one paragraph
- Questions for provider: numbered list
</output_format>