Key facts

The key benefits of Investment Control:

• Investment Control has no fixed term. You don’t have to cash it in after a set period, for example five or 10 years.
• Its flexibility allows you to choose the best way to pay for it.
• You have the choice of leaving your bond to grow in value over the years, or taking regular withdrawals from the bond to provide regular income. Please remember, the value of investments and the income from them can fall as well as rise and is not guaranteed. You may not get back the amount originally invested.
• There’s a tax-deferred allowance available. This is 5% each year of the amount invested and it’s cumulative (in other words, if you don’t take the 5% withdrawal in year one, you can potentially take 10% in year two). You can carry this forward for up to 20 years.
• Phased investment – you can also spread the timing of lump sum investments, which is particularly attractive in uncertain market conditions.
• You can make additional investments to your bond at any time. The minimum additional investment amount is £500.
• Each year we pay you an anniversary bonus. The more your bond is worth, the more it pays.
• Estate planning – Investment Control can be transferred into trust or gifted outright without immediate tax liabilities. It has the potential to make inheritance tax savings on death, so it’s an ideal asset for inheritance tax planning.
• You can mix and match funds to create a collection to suit your needs. You must invest a minimum of £250 in each fund. As your circumstances or markets change, you can change the funds you’re invested in free of charge. Different funds have different levels of risk and costs associated with them. All funds carry the risk of falling in value – some more than others. If you’re unsure about the risks associated with funds, you should speak to your financial adviser.

If you choose the AEGON secure income option:

• You’ll receive 5% of your original investment for 20 years as income. Whatever the market conditions, even if your bond value falls, you’ll still get 5% of your original investment.
• You don’t have to take 5%. Taking less income means you’re guaranteed an income for longer. You’ll continue to get a regular income until we repay you an income equal to the amount you originally invest.
• You decide when you want to start taking income. You can invest now and take income now, or delay taking your income. Even if you’ve started taking income, you can stop and then restart at a later date.
• You’re guaranteed an income until you’ve received an amount equal to the amount you originally invested, and the minimum amount of time this is payable for is 20 years.

Find out more about what we mean by guarantees .

Why choose AEGON?

We combine an in-depth understanding of the UK investments industry with the financial stability of an internationally renowned company.