Deposit Administration Fund (DAF) factsheet
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1 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 will not fall (i.e. guaranteed return of capital including annual bonus additions to date), if held to maturity date. DAF will invest in a mix of UK equities, bonds and gilts. The current target level of equity exposure is 15% - 25% of the overall investment. The unit price will increase in line with a pre-declared annual bonus rate each year (which can be changed at any time). A terminal bonus or market value reduction (MVR) may be applied in certain circumstances when the benefit becomes payable, the terminal bonus and MVR rates are not guaranteed, though an MVR will not be applied at maturity. The current rates are shown at the end of this factsheet. Fund launch date June 1996 Fund closed to new business October 2002 Aegon fund size ( million) 5.1 Fund type Pension Annual management charge 1.00% Asset allocation %
2 Performance in detail 3 months Periods ended 31 May 2018: 1 year 3 years 5 years 10 years (%) (%) (%) (%) (%) DAF Growth (%) over 12-month periods: Jan-17 Jan-16 Jan-15 Jan-14 Jan-13 To To To To To Jan-18 Jan-17 Jan-16 Jan-15 Jan Source: Aegon. Figures in s on a bid-to-bid basis, net of charges, with gross income reinvested to 31 May Periods of greater than one year show annualised compound returns. Past performance is no guide to future performance. The value of this investment can fall as well as rise for a number of reasons, for example market and currency movements. You may get back less than the amount originally invested if you surrender the policy prior to the selected maturity date. These figures represent the investment return on DAF fund net of annual management charge, but not incorporating charges for guarantees and the distribution from the inherited estate (see Enhancements to asset shares for further information). Actual with-profits payouts also incorporate the effects of smoothing of investment returns and will therefore not necessarily reflect these returns. Reversionary bonus rates applied Year Rate Applied (%) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( onwards) 1.5 Future benefits from contributions invested are not guaranteed and depend on the bonuses declared by Aegon.
3 Guarantee charges and estate distributions Amounts payable to policyholders are guided by the calculation of asset shares. This reflects the accumulation of premiums paid less any withdrawals, contract charges and expenses at the rate of investment return on the underlying with-profits fund assets. In addition, the investment return is increased by any distributions made from the estate and decreased by charges for guarantees payable to the estate. This includes any additional enhancement to investment returns that may be added, from the estate, at the point of claim. The estate represents the excess of assets within the with-profits fund over and above the amount required to meet customer benefits. Aegon has no entitlement to any of the estate and we aim to distribute the estate equitably to with-profits policyholders over time. The combination of these effects, plus an allowance for smoothing of investment returns, is then reflected in policy payouts through the terminal bonus and MVR rates. The following table illustrates the effect on the annual investment return from the movements to/from the estate (before any smoothing is applied). It is important to note that the above estate distributions are not guaranteed. It may become necessary to remove some or all of these should the Scottish Equitable withprofits fund (of which this investment fund forms a part) experience adverse conditions. Calendar Year Investment Performance before estate movements Charge for guarantees (to the estate) Estate distribution (from the estate) Investment Return after estate movements Additional Enhancement to Investment Return made at the point of claim (from the estate) (%) (%) (%) (%) (%) Nil Nil Nil Nil Nil Nil Nil 4.4 Nil Nil 10.3 Nil Nil 3.4 Nil Nil 9.4 Nil Nil Nil Nil Source: Aegon. Figures on a bid-bid basis, net of charges, with gross income reinvested. The enhancement applied to claims made during 2018 is currently equal to 7.00% and is reflected in the terminal bonus scale effective from 1 July 2018.
4 Terminal bonus & market value reduction rates (effective 1 July 2018) Rates Rates Rates Rates Rates Rates June % 114% December % 80% June % 62% July % 114% January % 76% July % 64% August % 112% February % 74% August % 62% September % 108% March % 71% September % 69% October % 107% April % 70% October % 65% November % 102% May % 68% November % 61% December % 103% June % 69% December % 60% January % 101% July % 69% January % 61% February % 98% August % 71% February % 64% March % 104% September % 68% March % 62% April % 101% October % 69% April % 63% May % 95% November % 61% May % 64% June % 93% December % 58% June % 65% July % 89% January % 56% July % 65% August % 92% February % 59% August % 64% September % 82% March % 58% September % 65% October % 85% April % 58% October % 62% November % 84% May % 64% November % 60%
5 Rates Rates Rates Rates Rates Rates December % 60% August % 68% April % 62% January % 61% September % 71% May % 64% February % 62% October % 71% June % 63% March % 65% November % 71% July % 63% April % 66% December % 70% August % 61% May % 67% January % 72% September % 58% June % 68% February % 71% October % 56% July % 65% March % 73% November % 54% August % 64% April % 68% December % 50% September % 72% May % 63% January % 49% October % 65% June % 64% February % 48% November % 63% July % 64% March % 49% December % 67% August % 63% April % 49% January % 63% September % 63% May % 46% February % 66% October % 64% June % 43% March % 67% November % 64% July % 43% April % 66% December % 60% August % 41% May % 67% January % 61% September % 41% June % 68% February % 59% October % 42% July % 72% March % 60% November % 39%
6 As at 30 November 2017 Rates Rates Rates Rates Rates Rates December % 35% August % 36% April % 62% January % 33% September % 35% May % 57% February % 33% October % 34% June % 55% March % 34% November % 35% July % 50% April % 36% December % 34% August % 43% May % 37% January % 37% September % 40% June % 38% February % 38% October % 40% July % 36% March % 40% November % 39% August % 36% April % 38% December % 39% September % 34% May % 40% January % 37% October % 33% June % 43% February % 37% November % 33% July % 42% March % 33% December % 33% August % 40% April % 33% January % 34% September % 49% May % 35% February % 33% October % 57% June % 36% March % 34% November % 55% July % 34% April % 34% December % 51% August % 30% May % 34% January % 59% September % 29% June % 36% February % 63% October % 29% July % 36% March % 65% November % 32%
7 Rates Rates Rates Rates Rates Rates December % 30% August % 24% April % 19% January % 32% September % 24% May % 18% February % 31% October % 24% June % 19% March % 31% November % 22% July % 19% April % 29% December % 22% August % 16% May % 29% January % 22% September % 17% June % 30% February % 20% October % 16% July % 29% March % 19% November % 13% August % 32% April % 17% December % 13% September % 33% May % 18% January % 9% October % 31% June % 23% February % 11% November % 32% July % 21% March % 10% December % 30% August % 22% April % 11% January % 29% September % 21% May % 11% February % 28% October % 19% June % 14% March % 29% November % 20% July % 13% April % 29% December % 21% August % 15% May % 29% January % 20% September % 15% June % 28% February % 19% October % 14% July % 25% March % 20% November % 13%
8 As at 29 February 2016 Rates Rates Rates Rates December % 14% June % 7% January % 14% July % 7% February % 13% August % 6% March % 12% September % 8% April % 13% October % 7% May % 12% November % 8% June % 11% December % 6% July % 8% January % 8% August % 6% February % 9% September % 6% March % 7% October % 10% April % 7% November % 11% May % 7% December % 9% January % 10% February % 8% March % 7% April % 7% May % 6% The rates shown are not guaranteed and can be increased or decreased at any time. In normal circumstances we aim to review rates on a quarterly basis. If money is taken out at any time other than on death or selected retirement date the amount may be subject to an MVR, which would reduce your final plan value. Aegon is a brand name of Scottish Equitable plc (No. SC144517) registered in Scotland, registered office: Edinburgh Park, Edinburgh, EH12 9SE. Scottish Equitable plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Financial Services Register number is Aegon UK plc INV /18 DAF
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