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Aegon Scottish Equitable – Investment Control

Aegon Scottish Equitable – Investment Control

Type: Unit-linked bond

Aim: Income and/or growth by investing in a range of internal, external and protected investment funds

Minimum investment: Lump sum £5,000, £50,000 for phased investment

Minimum-maximum ages: 18 to 85, 75 for protected investment option

Fund links: Investment control – 39 internal funds, 53 external funds, protected investment option – multi-manager portfolio, core portfolio, cash fund

Switches: Unlimited free switching subject to £250 minimum in each fund, switches not allowed between investment control and protected investment fund ranges

Allocation rates: Charging/commission options A and C – 100%, option B – 102%

Options: Phased investment, protected investment option providing money back less any withdrawals on cash in from year five or cash in value of higher, or the higher of money back on death of the last life assured under the plan or 100.1 per cent of the cash in value, step up feature that potentially increases money back guarantee every five years, 0.1 to 0.3% bonus each year if bond’s value is at least £25,000

Charges: Option A – initial 2%, annual 0.5%, portfolio charge 0.5% a quarter, option B annual 0.5%, portfolio charge 0.5% a quarter, option C -annual 0.5%, investment control fund charges annual 0.5 to 1.8% depending on fund, protected investment fund charges – cash fund annual 0.25% a year, core and multi-manager portfolios annual 1.5%

Commission: Options A and B – initial up to 7% or initial 3.25% plus renewal 0.5%, option C – none

Tel: 0870 60 00 337


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