Adviser s guide Income Drawdown Plan (Pre 75)

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1 For financial adviser use only Adviser s guide Income Drawdown Plan (Pre 75) This information is for UK Financial Adviser use only and should not be distributed to or relied upon by any other person. Product features, investment options and charges The Clerical Medical Income Drawdown Plan (Pre 75) offers your client the opportunity to draw an income from their pension fund whilst keeping it invested in a tax-efficient environment for maximum potential growth. The plan can be opened with transfer values that have already been designated for income drawdown from other individual Clerical Medical pensions (drawdown to drawdown transfers). Please note that any plans opened on or after 6 April 2015 will be on a Flexible Access Drawdown basis and any transfer values that were designated for Capped Drawdown before that date will be switched to the Flexible Access basis on receipt. Plans started before 6 April 2015 can continue to accept drawdown to drawdown transfers on a Capped Drawdown basis whilst the plan remains on a Capped Drawdown basis. Note: plans started on or after 6 April 2015 will be on a Flexible Access Drawdown basis. Plans started before 6 April 2015 will remain on a Capped Drawdown basis unless the client asks us to move to Flexible Access Drawdown, or asks for an income withdrawal that exceeds their current GAD maximum income, in which case we will automatically move them to Flexible Access Drawdown. Please also note that moving to Flexible Access Drawdown and taking an income means the client will become subject to the Money Purchase Annual Allowance. The plan can also be started with transfer values that haven t yet been designated for income drawdown from other individual Clerical Medical pensions. Once a plan has been opened with such a transfer, it can accept further transfers from Clerical Medical or from other providers. Please note that each drawdown to drawdown transfer will be invested in a separate plan. Undesignated transfer values can all go into one plan. The plan is flexible, enabling them to change their income and investment strategy and the level of income they withdraw to meet their changing circumstances. This guide provides: a detailed product specification a summary of the investment options available to your client a summary of the charges that apply to the plan.

2 Contents Product features detailed product specification Minimum investment amount Age requirements Cancellation period (cancellation substitution) Income payments Encashment of funds Statements Reviews Investment options Product charges Other charges

3 1 Product features detailed product specification Minimum investment amount Minimum initial transfer Minimum additional transfer 50,000 after the pension commencement lump sum, exit charges, excluding any guaranteed minimum pension (GMP) and lifetime allowance charge (if any). 10,000 after the pension commencement lump sum, exit charges, excluding any guaranteed minimum pension (GMP) and lifetime allowance charge (if any). Age requirements Minimum age at entry 55. Maximum age at entry 73. Cancellation period (cancellation substitution) 30 day cooling off period 30 days cooling off period should be provided to the member before sending the completed request to Customer Services. When the completed application form is received, it will be assumed that this 30 day period has already expired, which means the member won t be able to change his/her mind. Income payments Minimum Maximum Changes to amounts Zero income can be selected, but where income is required the minimum payment is 20 regardless of the frequency. There is no maximum income for Flexible Access Drawdown, subject to funds being available. However, please note that where the member specifies the required income amount as a percentage of the fund value, we will calculate a maximum income figure based on the fund value at the date of calculation, and this will apply until the next plan anniversary date, unless the member notifies us of a revised percentage before then. If no revised percentage is notified to us, we will recalculate the maximum income at the plan anniversary date based on the fund value at the anniversary date. The revised maximum income figure will be included in the plan anniversary statement. The amount of income payments being taken can be changed, started or stopped at any time. Payments that have already been actioned cannot be changed. Frequency Monthly, quarterly, half-yearly or annually. One-off withdrawals can also be requested at any time.

4 2 Product features detailed product specification continued Changes to frequency Fund source of income payments Payslips P60s Payment dates Payment method Checking income levels Allowed on the plan anniversary date. For both regular and one-off withdrawals, payments can be made in equal proportion from all funds or from one specific fund within the plan, or from a selection of the funds within the plan. Payslips will only be available upon request by the member. P60s will be issued annually. The first payment will be made on the date agreed with the member. If we aren t advised of a date the default will be the 1st of the month. Payments must be made between the 1st and the 28th of the month. If the payment date falls on a bank holiday or weekend the payment will be made on the next working day. To a specified bank account via BACS only. The plan anniversary statement will indicate, in the projection section, when the member is likely to run out of funds. In addition, we will run checks each month and where a member is likely to run out of funds in the next 2 months, we will write and advise them. Encashment of funds Encashment of funds by the member Pension sharing orders Transfer to income drawdown with another provider Death Funds can be encashed or partially encashed by the purchase of an annuity (lifetime or temporary) or taking part or all of the fund value as an income payment. A partial transfer will occur to set up a separate plan in respect of a pension sharing court order. In this circumstance the whole plan must be encashed. The whole plan will be encashed and can be paid as a lump sum or used to provide an income for one or more dependants either by the purchase of an annuity with Clerical Medical or another provider, or by the purchase of a dependant s drawdown plan with another provider.

5 3 Statements Frequency Statements will be produced for the whole drawdown facility annually on the anniversary date. Reviews Frequency Where the member specifies the required income amount as a percentage of the fund value, we will calculate a maximum income figure based on the fund value at the date of calculation, and this will apply until the next plan anniversary date, unless the member notifies us of a revised percentage before then. If no revised percentage is notified to us, we will recalculate the maximum income at the plan anniversary date based on the fund value at the anniversary date. The revised maximum income figure will be included in the plan anniversary statement. Investment options Minimum investment per fund Fund switching At least 1% of each transfer value must be invested in any one fund when it is first received. Unlimited switches between Clerical Medical funds will be allowed, currently without charge. However, we reserve the right to make a charge. With-Profits Fund Not available.

6 4 Product features detailed product specification continued Lifestyle Investment programmes Self-Invested Fund Funds available Not available. Not available. The current range of funds available through the income drawdown product are detailed on our website: We can change the availability of funds. Product charges Allocation rate Varies by age at entry. Initial investment into the plan: % Age 71 Allocation 99.5% rate % % 72 99% % Annual management charge (AMC) Investment management and plan administration The AMC is made up from some or all of the following charges and will be expressed as a single annual percentage of the fund value. This is reflected in the daily unit prices for each of the investment funds chosen and is currently between 1% and 2.20% depending on the fund chosen.

7 5 Large fund bonus (LFB) The LFB is an enhancement to the plan through the addition of extra units. It s based on the total value of the plan as set out below: Total fund size Annual calculation rate Other charges and changes Less than 75,000 0% 75,000 89, % 90,000 99, % 100, , % 250, , % 500, , % 1 million plus 0.6% The LFB rate will be determined each month by the plan value on the day of the month the plan was opened. The unit enhancement is then calculated and added to the plan on a daily basis. This addition of units has the effect of reducing the effective AMC. Paying a further transfer value into the plan, and/or favourable market conditions, will increase the LFB rate if the total fund size increases sufficiently to move from one band in the table above to another. Taking a transfer value to buy an annuity, and/or taking income, will decrease the LFB rate if the total fund size decreases sufficiently to move from one band in the table above to another. If, during a plan month, the total value of the plan has decreased due to market conditions or because of plan charges, the LFB rate is guaranteed not to be less than that applied the previous month. Investment fund switch charge Income withdrawal charges Charges for transferring the plan to another provider or buying an annuity Charges The units can be switched between funds at any time. There is currently no charge for doing this although we may make a charge in future. There is no charge for taking income. There are no charges to the client for transferring away or buying an annuity. Charges, terms and limits can change.

8 Clerical Medical is a trading name of Scottish Widows Limited. Scottish Widows Limited is registered in England and Wales No Registered office in the United Kingdom at 25 Gresham Street, London EC2V 7HN. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number X2118/1215

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