Which cell? What part of the formula in that cell is not doing what you expect?
If it's N12, then perhaps your 3 individual formulas can be entered into this formula with less trouble. Each formula based on what is selected in D12 will slip into a specific slot in this formula.
=CHOOSE(MATCH($D12, {"Annual","Quarterly","Once Off Block"}, 0), PutFormulaForAnnualHere, PutFormulaForQuarterlyHere, PutFormulaForOnceOffHere)
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