Our Flexible Pension Plan gives more choice, control and flexibility than a standard personal pension.
Planning for the future
The Flexible Pension Plan aims to:
- build up a sum of money, in a tax-efficient way, that can give you an income when you retire
- provide an income for your husband, wife or civil partner and dependants when you die
- give you more investment choice
- give you flexibility over how you pay charges and how much commission your financial adviser receives
- reward you for saving
The value of investments and the income from them can fall as well as rise and is not guaranteed. Investors may not get back the amount originally invested.
Investment choice and control
You have control over which funds you invest in. You can vary this at any time to suit the level of risk you want to take and your investment objectives. This flexibility comes from the way the plan is divided into two parts – the insured element and the self-invested element.
Rewarding saving
The Flexible Pension Plan rewards you for saving over the long term, or for saving more, through its fund value rebate. This rebate applies to benefits that you build up in the insured element of your plan. The number of extra units you receive will depend on how large your fund is.
Cost control and flexibility
- You can cost-effectively house all your investments under one plan and only pay for the investments you use.
- The plan aims to outperform equivalent conventional stakeholder and personal pension plans in terms of the reward it offers. This would be achieved through the fund value rebate mentioned above, although we can’t guarantee this.
- We’ve designed our Flexible Pension Plan for the more sophisticated investor, who wants and values advice from a financial adviser. With your financial adviser, you can agree the most appropriate way to pay for the advice you receive.
Charges
Our Flexible Pension Plan is one of our range of pension products and flexible solutions. Compare our individual pensions to find which best matches your needs.
How to apply
Find out how to apply for our products and where you can find out more about the choices available to you.
Plan today, enjoy tomorrow
Do you know how much you’ll need to live on when you retire? Our online tools can help you add up your current and future costs.
Next steps
If you would like more information you should talk to a financial adviser.
AEGON customers
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08456 10 00 10
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