I dont know the details of the Zurich plan but Mr Hallams Low Cost Indexed Platform only comes out ahead if you get a total return averaged over the 25 years of 8%.
In todays low interest environment that would be good - Warren Buffet thinks that 6-7% is more likely and that is if we see growth at the same rate as in the past.
"My primary source for that number comes from Warren Buffett, who claims point-blank that you should expect a 6-7% annual return in the stock market over the long term."
Total return