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Aegon Scottish Equitable International – 5 For Life

Aegon Scottish Equitable International

5 For Life

Type: Unit-linked investment plan

Aim: Guaranteed income of 5 or 4.5 per cent by investing in equities and bonds through choice of four funds

Minimum investment: Lump sum £15,000

Minimum-maximum ages: 18-80

Investment choice: Prospect fund, vantage fund, vista fund, horizon fund

Allocation rate: 100%

Income facility: Monthly, quarterly, half yearly and yearly

Charges: Establishment charge Option A none, option B 1.5% a year for five years, option C 1% a year for eight eyars, option D 0.9% a year for five years, option E 0.6% a year for eight years, fund charges annual 1.55-2.25% depending on fund

Special offer: 101% allocation rate for investments above £50,000

Offer period: Until further notice

Commission: Option A none, options B and C initial 6.75%, options D and E initial 3%, renewal available

Tel: 0845 6000 173


C&G relaunches adviser site

Cheltenham & Gloucester is relaunching its intermediary website this week. The revamped website will include an affordability calculator, which will enable brokers to get a decision on how much C&G will lend their client without leaving a footprint on their credit record. C&G has also added a news alert service to keep intermediaries abreast of […]

Newton down to earth

Bless Newton and their efforts. With what can only be described as marketing genius, the fund manager sent out polystyrene model aeroplanes boasting “Income funds with less drag” across the body. The irony comes, of course, when the plane is launched into flight – or rather, a sudden drop, as the plane possesses absolutely no […]

Potter doubts value of multi-asset funds

Credit Suisse Asset Management joint head of multi-manager Gary Potter has questioned the value of holding single-manager multi-asset portfolios within a fund of funds. One of the target markets for the recently launched King & Shaxson ethical balanced income fund, which applies a multi-asset approach to ethical investment, is multi-managers. But Potter, who runs a […]

This week in Investment

Fidelity’s decision to reduce the higher initial charge it had imposed on the UK portion of its special situations fund has certainly rattled a few investment cages this week.


Guide: how to change your auto-enrolment support

As we approach the two-year milestone of auto-enrolment, employers have had the opportunity to truly assess the capabilities of their chosen support. They are also now realising that getting to the staging date was the easy part, and that support is required for almost every aspect of the day to day running of their scheme. With the three-year re-enrolment window coinciding for many with the total removal of commission and Active Member Discounts from pension-related products and services, as well as the introduction of the pension charge cap in April 2015, many employers will have no choice but to review their support options. But, what is involved in transitioning your auto-enrolment scheme away from your current support options? This guide from Johnson Fleming aims to outline some of these key areas and provide information and discussion points on what you need to consider.


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