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Scottish Equitable – Flexible Pension Plan

Type:
Individual personal pension with insured and self-invested options

Minimum premium:
Insured option &#45 £20 a month, £200 a year,
lump sum/transfers £2,500.
Self-invested option &#45 Lump sum £2,500

Minimum-maximum ages:
18-74

Fund links:
Insured option &#45 choice of 40 internally managed funds and 26 externally managed funds from Baillie Gifford, DWS, First State, Invesco Perpetual, Lazard, Merrill Lynch, Newton, Northern Trust, SocGen and UBS. Self-invested option &#45 choice of 550 funds from 28 fund management groups via fund supermarket and all other Inland Revenue permitted investments including commercial property

Allocation rates:
100%

Minimum term:
None

Options:
Defined lifestyle option moving into lower-risk investments as retirement approaches

Charges:
Establishment charge up to 0.5% a month for five years,
annual 1%, external funds annual up to 0.55% depending on fund, additional charges for self-invested option

Commission:
Menu based on establishment charge &#45 lump sum investments/transfers &#45 initial up to 7%, fund-based up to 0.5%, annual/monthly contributions &#45 initial up to 115% of Lautro, initial up to 100% of Lauto plus 2.5% renewal, initial up to 90% of Lautro plus 0.1% fund-based, fund-based up to 0.55%

Tel: 0845 610 0061

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