Problems with the INDIRECT function

The attached spreadsheet has two indirect statements in the tab "Work Sheet 2014". One always works and the other sometimes works.

If the formula in cell A2 in the "Projections" tab is altered (i.e. the divisor is changed from 12 to 10) cell A2 on the "Work Sheet 2014" tab shows #REF!. If you go to the "Work Sheet 2014" tab and hit F9 the correct value is displayed. The formula in cell A3 in the "Work Sheet 2014" tab always displays the correct value.

What do I need to do to get cell A2 in the "Work Sheet 2014" tab to function without hitting F9?

Any help would be greatly appreciated.

AttachmentSize
Retirement Projection - TEST -- 2014-09-17.xlsx41.11 KB