Aegon Platform - Managing adviser charges
|
|
- Constance Heath
- 5 years ago
- Views:
Transcription
1 Aegon Platform - Managing adviser charges This information is for intermediaries only. It mustn t be distributed to, or relied on by, customers. The screens shown are for demonstration purposes only. They may vary from the final screens.
2 ``` Contents 2 Adviser charges what s new and what s changed? Redirecting charges Taking an adviser charge (new products) Managing cash Managing ongoing charges Key dates and reconciliation
3 ``` 3 Adviser charges what s new and what s changed?
4 ``` Adviser charges what s new? 4 You don t need to send a signed fee agreement anymore. Product level cash facility to pay charges removing the complexity of a platform cash account covering multiple products. Charges as a percentage or monetary amount. Percentage initial charge on transfers.
5 ``` Adviser charges what s new? 5 Initial charge on regular investments spread up to a maximum of 36 months. Range of options to manage cash, including the ability for your clients to set up a direct debit into the General Investment Account (GIA) to pay charges from other products. Default sell down in each product to cover most charges if there isn t enough cash available. Set up a tiered ongoing adviser charge structure. Sell down process doesn t restrict online trading.
6 Adviser charges changes 6 We won t carry over pending and blocked fees to the Aegon Platform. We won t carry over unaffirmed fees to the Aegon Platform and clients won t link to current fee models following the upgrade. No segmentation. New and improved MI reports through Report Zone. No model portfolio rules other sell down options will still be available.
7 7 Taking an adviser charge
8 How to take an adviser charge (new products) 8 Fee models are no longer mandatory. You can use either ongoing charge models or just input the ongoing charge amount. Your clients will remain on their existing charging structures. To apply an initial adviser charge on single or regular contributions get in touch with us on We ll provide you with an illustration and the relevant application form. You can manage other charges in the Intermediary charges tab of the product summary screen. New clients can take charges: - from each product, or - through the GIA.
9 Initial charges on regular contributions 9 Charges on regular contributions can be taken in two ways: A fixed amount over payment period. For example, 500 to be paid over a maximum of 36 months. Define by contributions: - Monetary for example, 50 per month for a maximum of 36 months. - Percentage for example, a 3% of regular contribution for a maximum of 36 months.
10 10 Managing ongoing charges
11 Ongoing charges 11 You can view and amend ongoing charges in the Intermediary charges tab within each product summary. To make changes select Manage ongoing charges.
12 Fixed amount ongoing adviser charge 12
13 Percentage ongoing adviser charge 13
14 Model ongoing adviser charge 14
15 Change cash top-up method 15 From the Intermediary charges tab you can also view and amend the cash top-up method. Select the Change cash top-up method button.
16 Cash top-up method 16 You can select to sell from either the largest fund or nominated fund. Largest fund is the default option.
17 17 Redirecting charges
18 Manage product charges 18 You can choose to direct charges due on other products to the GIA to manage charges tax-efficiently. Select Manage product charges in the client summary screen to view how ongoing charges are set up for each product.
19 Payment options 19 From this screen you can select to redirect charges from your client s product into the GIA. You can select the GIA your client would like us to take the product charges from.
20 Direct debit for charges 20 In the Manage product charges screen you can also choose to set up a direct debit into the GIA to cover the product charges taken from the GIA. Select Next to choose the direct debit amount.
21 21 Managing cash
22 Managing cash There are five ways to manage cash within a product: We ll automatically sell the correct amount from the sellable funds. 2. Nominate a fund to sell down from an existing product this will ring fence the cash to cover charges. 3. Recurring switch to cash instruction we won t ring-fence the cash. 4. Online switch to cash top up cash whenever you need to. 5. Auto rebalance choose to rebalance your client s investment back to the current investment strategy this could include a percentage cash allocation.
23 Payment options 23 Product level Charges that can be paid from the product s cash facility: GIA Regular charges that can be paid from the GIA cash facility: Platform charge Ongoing adviser charges DFM charges Service charges SIPP drawdown charge or All ISA charges All GIA charges All SIPP charges
24 24 Key dates and reconciliation
25 Key dates 25 We calculate the ongoing adviser charge using the product value on the last working day of the month. We ll generate the payment on the first Monday of the month. If there isn t enough cash available to fund charges and a sell down is required, we ll make payment on the following Monday. We ll pay initial and ad hoc charges each Monday. All charges are paid by BACs.
26 Default sell down Managing charges 26 End of Month 1 Charge calculation We calculate all charges due on the last working day of the month. Month 2 Week 1 Charges paid If enough cash is available, we pay the charge charges by BACS each Monday morning. If there isn t enough cash available, we ll trigger the default sell down so that we ll pay the charge the following Monday. Month 2 Week 2 Charges paid We ll pay all charges from the proceeds of the default sell down sale proceeds must be cleared before the charge can be paid.
27 Reconciliation Managing charges 27 A comprehensive adviser charge report is available in Report Zone. Report Zone s in-depth MI makes it easier to check you re being paid correctly.
28 28 Visit cofunds.co.uk/upgrade for more information. Aegon is a brand name of both Scottish Equitable plc (No. SC144517) registered in Scotland, registered office: Edinburgh Park, Edinburgh EH12 9SE, and Cofunds Limited, Registered in England and Wales No , registered office: Level 43, The Leadenhall Building, 122 Leadenhall Street, London, EC3V 4AB. Both are Aegon companies. Scottish Equitable plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Cofunds Limited is authorised and regulated by the Financial Conduct Authority. Their Financial Services Register numbers are and respectively Aegon UK plc RTL379641/05/18
Aegon Platform Getting started
Aegon Platform Find out how Aegon Platform users in your firm should be set up. Discover how to access your account and start using the new functionality. This information is for intermediaries only. It
More informationAegon Platform - managing your investment proposition
Aegon Platform - managing your investment proposition This information is for intermediaries only. It mustn t be distributed to, or relied on by, customers. The screens shown are for demonstration purposes
More informationAegon Platform ISA, JISA and GIA charges guide
For customers Aegon Platform ISA, JISA and GIA charges guide Aegon Platform is designed with you in mind. When it comes to charges, that means being clear on how much we charge you and why. If you d like
More informationSupplement for the Aegon Junior Individual Savings Account
For customers The Aegon Platform Supplement for the Aegon Junior Individual Savings Account Introduction You have a Stocks and Shares Junior Individual Savings Account ( Aegon JISA ) provided by Cofunds
More informationDeath benefit nomination/ expression of wish form
For customers Aegon Platform Death benefit nomination/ expression of wish form About this form This form lets you tell us who you d like to benefit from your funds on your death in relation to: all uncrystallised
More informationAegon Retirement Choices charges
For customers Aegon Retirement Choices charges Aegon Retirement Choices (ARC) is designed with you in mind. When it comes to charges, that means being clear on how much you ll be charged and why. This
More informationAegon Platform - Transaction history
Aegon Platform - Transaction history This information is for intermediaries only. It mustn t be distributed to, or relied on by, customers. The screens shown are for demonstration purposes only. They may
More informationChanges to Aegon Retirement Choices (ARC) Terms and conditions
For customers Aegon Retirement Choices Changes to Aegon Retirement Choices (ARC) Terms and conditions Efective as at 20 March 2018 We ve made changes to the ARC terms and conditions and we ve detailed
More informationAd hoc income request for an Aegon SIPP (lexi-access drawdown)
For customers Aegon Platform Ad hoc income request for an Aegon SIPP (lexi-access drawdown) Only use this form where you have an existing Aegon Self-invested Personal Pension (Aegon SIPP) lexi-access drawdown
More informationAegon GIA application for pension schemes form
For customers Aegon Platform Aegon GIA application for pension schemes form In this form, Aegon means Cofunds Limited. Use this form to apply for an Aegon General Investment Account (GIA) to be held on
More informationEntity self-certification declaration
For customers Entity self-certification declaration Please read through the entire form including the explanatory notes before filling it out. About this form An entity can be a trust, company, charity,
More informationChanges to One Retirement (OR) Terms and conditions
For customers One Retirement Changes to One Retirement (OR) Terms and conditions Efective as at 20 March 2018 We ve made changes to the OR terms and conditions and we ve detailed these in the table below.
More informationOne Retirement charges
For customers One Retirement charges One Retirement is designed around a transparent, customer-focused charging model. We know how important it is that you understand how much you ll be charged and why.
More informationAegon ISA transfer application form
For customers Aegon Platform Aegon ISA transfer application form In this form, Aegon means Cofunds Limited. Use this form to transfer investments from an ISA held with another ISA manager to an Aegon ISA.
More informationInheritable ISA allowance - transfer of inherited investments from an Aegon ISA
For customers Aegon Platform Inheritable ISA allowance - transfer of inherited investments from an Aegon ISA In this form, Aegon means Cofunds Limited. Before completing this form You must have received
More informationExample illustration. Aegon Retirement Choices. Purpose of this example illustration. What your pension might be when you take bene ts
For employees Aegon Retirement Choices Example illustration Purpose of this example illustration This illustration gives you an indication of what you might get back if you retire at age 65. It illustrates
More informationAegon General Investment Account re-registration application form
For customers Aegon Platform Aegon General Investment Account re-registration application form In this form, Aegon means Cofunds Limited. Use this form to transfer funds into an Aegon General Investment
More informationSwitch instruction. 1. Planholder details. For customers Retirement Control
For customers Retirement Control Switch instruction About this instruction You should use this form to switch funds under your plan. Which sections do you need to complete? Where you re using this form
More informationProtecting your personal information
For customers Protecting your personal information Find out about our policy on privacy and data protection 1 Here at Aegon, we re committed to protecting and respecting your privacy. Looking after the
More informationAegon Self-invested Personal Pension (Aegon SIPP)
For customers I Aegon Platform Aegon Self-invested Personal Pension (Aegon SIPP) Illustration number Please insert the illustration number. You must have been provided with an illustration from us before
More informationBenefit crystallisation event application form (flexi-access drawdown)
For customers Benefit crystallisation event application form (flexi-access drawdown) You should only complete this form if you have an Aegon Retirement Choices Self Invested Personal Pension (ARC SIPP)
More informationOrder execution policy
For customers Aegon UK retail Order execution policy This Order execution policy covers the following services: Aegon Retirement Choices, Retiready, One Retirement and the Aegon Platform. These services
More informationFor employers Aegon Retirement Choices. Your guide to Aegon Retirement Choices
For employers Aegon Retirement Choices Your guide to Aegon Retirement Choices Welcome to Aegon Retirement Choices (ARC), our award winning secure online platform. With ARC you ll beneit from a straightforward,
More informationAn introduction to the Cofunds Pension Account
Product guide for self-directed investors An introduction to the Cofunds Pension Account provided by Suffolk Life A straightforward way to plan for your retirement Contents Introduction 1 The experts behind
More informationDeath benefit nomination/ expression of wish form
For customers Death benefit nomination/ expression of wish form About this form This form lets you tell us who you d like to benefit from your funds on your death in relation to: all uncrystallised pension
More informationTake control with Aegon Retirement Choices
For customers Take control with Aegon Retirement Choices Contents What is the Aegon Retirement Choices (ARC) platform? 2 Why do I need a platform? 3 Planning your future 3 Growth, income or both? 4 Choosing
More informationFor adviser use only. Your Wrap guide. View only access
For adviser use only Your Wrap guide View only access Introduction If you acquire a client who holds assets on the Standard Life Wrap platform, you may be unclear as to how you can best service these assets.
More informationAegon Platform key information document
For customers Aegon Platform key information document Including the Aegon ISA and Aegon General Investment Account key features documents The information that follows is accurate to the best of our knowledge
More informationINVESTOR PORTFOLIO SERVICE (IPS) USING IPS.
INVESTOR PORTFOLIO SERVICE (IPS) USING IPS. This document gives you information about using IPS to manage and make changes to your investment. USING THIS DOCUMENT. This document gives you important information
More informationEntity self-certiication declaration
Entity self-certiication declaration Please read through the entire form including the explanatory notes before filling it out. About this form An entity can be a trust, company, charity, pension fund
More informationWELCOME TO ALLIANCE TRUST SAVINGS. Guide for Advised Clients
WELCOME TO ALLIANCE TRUST SAVINGS Guide for Advised Clients 2 Welcome to Alliance Trust Savings IN THIS GUIDE This guide is designed to provide helpful information and answer the questions we are most
More informationBenefit crystallisation event application form (capped drawdown)
For customers Benefit crystallisation event application form (capped drawdown) This form should only be used if you re an Aegon Retirement Choices Self-invested Pension Plan (SIPP) or One Retirement customer
More informationKEY FEATURES OF THE INSTITUTIONAL INVESTMENT BOND. Important information you need to read
KEY FEATURES OF THE INSTITUTIONAL INVESTMENT BOND Important information you need to read THE FINANCIAL CONDUCT AUTHORITY IS A FINANCIAL SERVICES REGULATOR. IT REQUIRES US, SCOTTISH WIDOWS, TO GIVE YOU
More informationDeposit Administration Fund (DAF) factsheet
For customers With-Profits Investments Deposit Administration Fund (DAF) factsheet Quarter two 2018 Fund information Fund provider Aegon Fund description The DAF fund offers a guarantee that the unit price
More informationWith-Profits Performance Bond Fund (WP0) factsheet
For customers With-Profits Investments With-Profits Performance Bond Fund (WP0) factsheet Quarter three 2018 Fund information Fund provider Aegon Fund description The WP0 fund invests in a wide range of
More informationDear. Scottish Equitable Stakeholder Scheme (the Scheme ) Group Stakeholder Pension plan application
Dear Scottish Equitable Stakeholder Scheme (the Scheme ) Group Stakeholder Pension plan application Your employer has sent us an application for you to join its Group Stakeholder Pension plan with Aegon.
More informationFOR CUSTOMERS PAYING ADVISER CHARGES LEGAL & GENERAL INVESTMENTS TO IPS UNIT TRUST TRANSFER APPLICATION FORM.
INVEST PTFOLIO SERVICE ADVISED F CUSTOMERS PAYING ADVISER CHARGES LEGAL & GENERAL INVESTMENTS TO IPS UNIT TRUST TRANSFER APPLICATION FM. Use this form to transfer from a unit trust held with Legal & General
More informationGroup Money Purchase Pension key features
For customers Group Money Purchase Pension key features Contents Its aims 2 Questions and answers 3 Other information 6 How to contact us 6 This booklet gives you the main points about the Group Money
More informationKEY FEATURES OF THE RETIREMENT ACCOUNT FOR RETIREMENT INCOME. Important information you need to read
KEY FEATURES OF THE RETIREMENT ACCOUNT FOR RETIREMENT INCOME Important information you need to read THE FINANCIAL CONDUCT AUTHORITY IS AN INDEPENDENT FINANCIAL SERVICES REGULATOR. IT REQUIRES US, SCOTTISH
More informationINVESTOR PORTFOLIO SERVICE (IPS) GUIDE TO FACILITATED ADVISER CHARGES.
INVESTOR PORTFOLIO SERVICE (IPS) GUIDE TO FACILITATED ADVISER CHARGES. This is an important document. Please keep it safe for future reference. INVESTOR PORTFOLIO SERVICE (IPS) GUIDE TO FACILITATED ADVISER
More informationFOR CUSTOMERS PAYING ADVISER CHARGES LEGAL & GENERAL INVESTMENTS TO IPS UNIT TRUST TRANSFER APPLICATION FORM.
INVEST PTFOLIO SERVICE ADVISED F CUSTOMERS PAYING ADVISER CHARGES LEGAL & GENERAL INVESTMENTS TO IPS UNIT TRUST TRANSFER APPLICATION FM. Use this form to transfer from a unit trust held with Legal & General
More informationFor employees. Easy steps to your company pension
For employees Easy steps to your company pension A message on behalf of your employer If you re reading this, that s great. It means you ve taken the first step towards a better future. Your company pension
More informationFor professional advisers only CLEAR CHARGES. Pension Portfolio
For professional advisers only CLEAR CHARGES Pension Portfolio INTRODUCTION At Royal London, we re all for making pensions as transparent as possible. That s why we want you to be clear what charges your
More informationLifetime allowance form
For customers Lifetime allowance form About this form You need to complete this form if the plan you want to take benefits from has a fund value of 250,000 or more, or is a Retirement Control plan. Your
More informationTHE SALE FOR REGULAR PAYMENT SERVICE.
INVESTOR PORTFOLIO SERVICE SELF DIRECTED THE SALE FOR REGULAR PAYMENT SERVICE. How IPS helps you make regular payments by selling from your investments Use this form to set up a new Sale for Regular Payment
More informationGuide to making contributions
For scheme administrators Guide to making contributions For employers not using our system to assess workers Workplace pensions CONTENTS Introduction... 4 The make a contribution screen... 6 1.1 Import
More informationKEY FEATURES OF THE SELF-INVESTED PERSONAL PENSION (SIPP) FOR INCOME DRAWDOWN OR PHASED RETIREMENT. Important information you need to read
KEY FEATURES OF THE SELF-INVESTED PERSONAL PENSION (SIPP) FOR INCOME DRAWDOWN OR PHASED RETIREMENT Important information you need to read THE FINANCIAL CONDUCT AUTHORITY IS A FINANCIAL SERVICES REGULATOR.
More informationOFFSETTING PROVIDED BY SCOTTISH WIDOWS BANK
OFFSETTING PROVIDED BY SCOTTISH WIDOWS BANK HOW OFFSET WORKS The way our offset mortgage facility works is simple. A savings account (called an Offset Saver Account) has now been set up alongside your
More informationNotice of joint liability for the annual allowance charge
For customers tice of joint liability for the annual allowance charge You should read this note before completing the form. Use this form if you want to pay part, or all, of an annual allowance charge
More informationKEY FEATURES OF RELEVANT LIFE COVER SCOTTISH WIDOWS PROTECT. Important information you need to read
KEY FEATURES OF RELEVANT LIFE COVER SCOTTISH WIDOWS PROTECT Important information you need to read THE FINANCIAL CONDUCT AUTHORITY IS A FINANCIAL SERVICES REGULATOR. IT REQUIRES US, SCOTTISH WIDOWS, TO
More informationGuide to assessing your workers
For scheme administrators Guide to assessing your workers For employers using our system to assess workers Workplace pensions CONTENTS Introduction... 4 When should I assess my workers?... 4 What information
More informationTerms and Conditions of the Cofunds Platform
SELF-DIRECTED Terms and Conditions of the Cofunds Platform You must take time to read through this booklet, as this is a legal contract between you and Cofunds. Version 0118SDE Issued and approved by Cofunds
More informationGuide to managing your workforce
For scheme administrators Guide to managing your workforce For schemes using contractual enrolment Workplace pensions CONTENTS Introduction... 4 View workforce... 4 Searching and filtering... 4 Identifying
More informationONLINE MORTGAGE SERVICE. Provided by Scottish Widows Bank HINTS & TIPS
ONLINE MORTGAGE SERVICE Provided by Scottish Widows Bank HINTS & TIPS PAGE 1 INTRODUCTION PAGE 2 SECTION 1: LOGGING IN PAGE 3 SECTION 2: CREATING A NEW MORTGAGE ILLUSTRATION, DIP OR FULL APPLICATION PAGE
More informationINVESTOR PORTFOLIO SERVICE (IPS) ONLINE USER GUIDE
INVESTOR PORTFOLIO SERVICE (IPS) ONLINE USER GUIDE HELPING HAND. It s important to keep a close eye on your investments, so we do all we can to lend a helping hand. That s why we ve put together this step-by-step
More informationOur unitised and new generation with-proits funds
For customers Our unitised and new generation with-proits funds What s this guide for? 02 What funds does this guide cover? What s not included? Where can I find out more? Deinitions 04 With-proits 05
More informationHigh Equity With-Profits Fund (WP2) factsheet
For customers With-Profits Investments High Equity With-Profits Fund (WP2) factsheet Quarter four 2017 Fund information Fund provider Aegon Fund launch date February 1996 Fund description The WP2 fund
More informationAegon Occupational Pension scheme with protected tax-free cash drawdown pension option
For customers and scheme trustees Aegon Occupational Pension scheme with protected tax-free cash drawdown pension option Please read these notes before filling in this form About this form Words in bold
More informationKEY FEATURES OF THE RETIREMENT SOLUTIONS GROUP STAKEHOLDER PENSION PLAN
KEY FEATURES OF THE RETIREMENT SOLUTIONS GROUP STAKEHOLDER PENSION PLAN The Financial Conduct Authority is a financial services regulator. It requires us, Royal London, to give you this important information
More informationKey features of the Relevant Life policy
For customers Key features of the Relevant Life policy Contents Its aims 2 Your commitment 3 Risks 3 Questions and answers 4 Other information 10 How to contact us 11 The Financial Conduct Authority is
More informationWith-Profits Endowment fund (WPE) factsheet
For customers With-Profits Investments With-Profits Endowment fund (WPE) factsheet Quarter one 2018 Fund information Fund provider Aegon Fund launch date January 1985 Fund description This fund can invest
More informationThe Sale for Regular Payment Service
SELF-DIRECTED Explicit Pricing Model The Sale for Regular Payment Service How Cofunds helps you make regular payments by selling from your investments Before setting up a Sale for Regular Payment you must
More informationOur fund range and investments
ONLINE INVESTMENTS Online investments Our fund range and investments Why is it important to read this document? This document explains the funds available for you to invest in through our Investment ISA,
More informationGuide to telling us about leavers
For scheme administrators Guide to telling us about leavers For schemes using contractual enrolment Workplace pensions CONTENTS Introduction... 3 Tell us about leavers individually... 4 Tell us about leavers
More informationAegon pilot trust a guide
For financial advisers only Aegon pilot trust a guide This communication is for financial advisers only. It mustn t be distributed to, or relied on by, customers. The information contained in it reflects
More informationHow blended funds can help you and your clients. A guide for consultants and advisers
How blended funds can help you and your clients A guide for consultants and advisers Contents 3 Reasons to consider blended funds 4 Who can use blended funds 5 How blended funds are structured 6 How blended
More informationPartial lump sum payment instruction
For scheme trustees Partial lump sum payment instruction About this instruction This instruction is for scheme trustees of an occupational pension scheme where the member wants to take part of their pension
More informationPlatform Key Information Document
SELF-DIRECTED Platform Key Information Document Including the ISA and Investment Funds Key Features documents The information that follows is accurate to the best of our knowledge and belief as at 30 June
More informationStep 4. Step 2. Step 1. Step 3
For employers SmartPay user guide Paying and managing contributions to your group pension scheme is easy with our online contributions management system. This guide takes you through the whole SmartPay
More informationYour guide to One Retirement
For adviser use only not approved for use with clients Your guide to One Retirement Contents Introducing One Retirement 2 Growth, income or both? 3 One Retirement fund range 3 Fund governance keeping our
More informationFor employers Your guide to salary sacri ce
For employers Your guide to salary sacri ce A salary sacri ce arrangement lets you enhance your employees bene t package at no extra cost to you. What is salary sacri ce? Salary sacrifice is an arrangement
More informationKEY FEATURES OF THE INCOME DRAWDOWN PLAN. Important information you need to read
KEY FEATURES OF THE INCOME DRAWDOWN PLAN Important information you need to read THE FINANCIAL CONDUCT AUTHORITY (FCA) IS A FINANCIAL SERVICES REGULATOR. IT REQUIRES US, SCOTTISH WIDOWS, TO GIVE YOU THIS
More informationGroup Personal Pension plan application form (UNI)
Group Personal Pension plan application form (UNI) You should not complete this form if: 1. you re aged 75 or over 2. you re a Crown Servant or spouse of a Crown Servant 3. you re not resident in the UK
More informationScottish Equitable Personal Pension Scheme (the Scheme ) Group Personal Pension plan application
Dear Scottish Equitable Personal Pension Scheme (the Scheme ) Group Personal Pension plan application Your employer has sent us an application for you to join its Group Personal Pension plan with Aegon.
More informationONLINE INVESTMENTS OUR FUND RANGE AND INVESTMENTS.
ONLINE INVESTMENTS OUR FUND RANGE AND INVESTMENTS. Why is it important to read this document? This document explains the funds available for you to invest in through our Investment ISA, which is a Stocks
More informationWrap platform user guide For adviser, paraplanner and administrator use only
Wrap platform user guide For adviser, paraplanner and administrator use only Overview The Wrap platform offers a choice of tools to let you rebalance your clients portfolios at any time, so that you can
More informationKEY FEATURES OF THE RETIREMENT SOLUTIONS GROUP PERSONAL PENSION PLAN
KEY FEATURES OF THE RETIREMENT SOLUTIONS GROUP PERSONAL PENSION PLAN The Financial Conduct Authority is a financial services regulator. It requires us, Royal London, to give you this important information
More informationWrap platform user guide For adviser, paraplanner and administrator use only
Wrap platform user guide For adviser, paraplanner and administrator use only Contents 03 Overview 04 Step 1 Order setup 05 Step 2 To sell 06 Step 3 To buy 07 Step 4 To switch 08 Step 5 Confirmation 09
More informationHello, we re making a few changes to business banking.
Hello, we re making a few changes to business banking. Click anywhere to begin, and then use the navigation buttons on the bottom. All interactive features require Adobe Reader. So we ve created a useful
More informationOUR GUIDE TO DEFAULT INVESTMENT
OUR GUIDE TO DEFAULT INVESTMENT Since the introduction of auto enrolment, the Department for Work and Pensions (DWP) stated that all employers should offer their employees schemes with a suitable default
More informationOUR RELEVANT LIFE PLAN
KEY FACTS OF OUR RELEVANT LIFE PLAN January 2018 Important information you should read Protection Relevant Life WHAT S INSIDE See if our plan is right for you 3 The aims of our plan 3 Your commitment 4
More informationKey features of the Flexible Pension Plan
Key features of the Flexible Pension Plan Read on to find out the main points about your Flexible Pension Plan. You ll also get a personal illustration, so you can put figures to the benefits you may receive
More informationKEY FEATURES OF THE RETIREMENT SOLUTIONS GROUP STAKEHOLDER PENSION PLAN
KEY FEATURES OF THE RETIREMENT SOLUTIONS GROUP STAKEHOLDER PENSION PLAN The Financial Conduct Authority is a financial services regulator. It requires us, Royal London, to give you this important information
More informationFinancial questionnaire
For customers Business protection Financial questionnaire To be completed by the policyholder. Policy number Please read these important notes before completing this questionnaire. About this questionnaire
More informationKEY FEATURES OF THE LOCAL AUTHORITY ADDITIONAL VOLUNTARY CONTRIBUTIONS (AVC) PLAN. Important information you need to read
KEY FEATURES OF THE LOCAL AUTHORITY ADDITIONAL VOLUNTARY CONTRIBUTIONS (AVC) PLAN Important information you need to read THE FINANCIAL CONDUCT AUTHORITY IS A FINANCIAL SERVICES REGULATOR. IT REQUIRES US,
More informationKEY FEATURES OF THE GROUP PERSONAL PENSION PLAN. Important information you need to read
KEY FEATURES OF THE GROUP PERSONAL PENSION PLAN Important information you need to read THE FINANCIAL CONDUCT AUTHORITY IS A FINANCIAL SERVICES REGULATOR. IT REQUIRES US, SCOTTISH WIDOWS, TO GIVE YOU THIS
More informationThis form consists of 3 separate sections. Please read each section carefully.
32A28 CHANGE OF INVESTMENT Application form You or your financial adviser can alter your existing investment choice at any time on our website royallondon.com, if you/they have the required permissions.
More informationWorkplace pensions AUTO ENROLMENT HAS TAKEN OFF
Workplace pensions AUTO ENROLMENT HAS TAKEN OFF INTRODUCTION The Government introduced auto enrolment to help more people save for their future. It means your employer will have to give you access to a
More informationBank of Scotland ShareBuilder Bank of Scotland ShareBuilder.
Bank of Scotland ShareBuilder Bank of Scotland ShareBuilder. Terms and Conditions. Contents 1. These terms and conditions and the agreement between us 1 2. About us 1 3. Definitions 1 4. The Bank of Scotland
More informationUncrystallised Funds Pension Lump Sum Application form
Uncrystallised Funds Pension Lump Sum Application form ADVISED This form must be completed when requesting an Uncrystallised Funds Pension Lump Sum (UFPLS). It is not intended for drawdown. Please complete
More informationTAX YEAR 2017/2018 UNIT TRUST/OEIC TO ISA SWITCH FORM. Use this form to move money from a unit trust/or OEICs into an ISA in the 2017/2018 tax year.
INVESTOR PORTFOLIO SERVICE SELF DIRECTED TAX YEAR 2017/2018 UNIT TRUST/OEIC TO ISA SWITCH FORM. Use this form to move money from a unit trust/or OEICs into an ISA in the 2017/2018 tax year. Please complete
More informationKEY FEATURES. RDR. This is an important document that you should read and keep in a safe place. You may need to read it in the future.
RDR PORTFOLIO PLUS PENSION KEY FEATURES portfolio plus pension 1 KEY FEATURES. This is an important document that you should read and keep in a safe place. You may need to read it in the future. 2 PORTFOLIO
More informationRetiready Solution 3. Fund objective. A risk level 3 fund. For customers
For cusmers Retiready Solution 3 Risk level 3 Risk level 3 Single fund solution Governed by us A risk level 3 fund Mixedasset Risk level 3 invesrs take a balanced view of risk and are prepared take risks
More informationApplication form CHANGE OF INVESTMENT. Important information. 1 Personal information. Investment
2TA0105 CHANGE OF INVESTMENT Application form This application form is for changing your investment choice. It can be used with the following existing plans: Talisman Personal Pension Plans, Executive
More informationINVESTOR PORTFOLIO SERVICE SELF DIRECTED NBS LEGACY WHAT YOU NEED TO KNOW
INVESTOR PORTFOLIO SERVICE SELF DIRECTED NBS LEGACY TAX YEAR 2018/2019 FOR CUSTOMERS WHO PURCHASED THEIR INVESTMENT BEFORE 31 DECEMBER 2012 UNIT TRUST/OEIC TO ISA SWITCH FORM. Use this form to move money
More informationSELF INVESTMENTS CHARGES SUMMARY
SELF INVESTMENTS CHARGES SUMMARY We want you to be able to understand our charges. To help achieve this, we ve made the charging structure for the Pension Portfolio as transparent as possible. This leaflet
More informationKEY FEATURES OF CORE INVESTMENTS
KEY FEATURES OF CORE INVESTMENTS The Financial Conduct Authority is a financial services regulator. It requires us, Royal London, to give you this important information to help you to decide whether our
More informationRetiready Solution 2. Fund objective. A risk level 2 fund. For customers
For cusmers Retiready Solution 2 Risk level 2 Risk level 2 Single fund solution Governed by us A risk level 2 fund Mixedasset Risk level 2 invesrs are concerned about losing money but realise they may
More informationWithdrawal or cash-in form
For customers Withdrawal or cash-in form Please read these notes before filling in this form You should use this form for single withdrawals from an existing Investment Control bond with or without a guaranteed
More informationFull forename(s) Surname. Cofunds Pension Account. 153 Princes Street Ipswich IP1 1QJ RC
Cofunds Pension Account Transfer Out Form This form is to be completed when you would like to partially or fully transfer your Cofunds Pension Account to another pension provider. Please complete this
More information