Our Aegon Retirement Choices (ARC) SIPP offers your clients flexibility to support a phased approach, allowing a seamless transition from saving to taking an income – all in one place.
Access over 5,000 investments (as at December 2023), including collectives, equities, exchange traded funds and investment trusts.
A simple transfer process through Origo Options, including cash re-registration and drawdown transfers.
Retirement saving and income solutions in one place, including flexi-access drawdown and uncrystallised funds pension lump sum (UFPLS).
What the ARC SIPP offers
- Pre-funded tax relief.
- Integrated SIPP – trust-based personal pension with Aegon Pension Trustees Limited as trustees.
- You can easily complete quotes, top ups and new business applications (including transfers, single and regular contributions) online.
- No set-up or transfer charges.
- Online and signature-free initial and ongoing adviser charges.
- Designated drawdown product – manage crystallised and uncrystallised funds separately.
- £1 minimum contributions.
- Drip-feed drawdown
Plus, by bringing their savings together on ARC, your clients could benefit from a lower annual charge rate. Take a look at our consolidation toolkit to find out how we can simplify the consolidation process for you and your clients.
Flexible income options
We've designed ARC to make the most of the retirement options available and to meet the needs of your clients, with easy access to their money if their circumstances change.
There are broadly three ways for your clients to take an income in retirement, as follows:
Cash lump sum
Your client can cash in retirement savings - 25% tax-free lump sum, pay tax on 75%. The amount of tax-free cash available may vary depending on circumstances and any guarantees previously secured.
Annuity
Guarantees your client income for life but with limited flexibility.
Flexi-access drawdown
Provides an income while your client remains invested, but their income isn't guaranteed.
Maximising pension income
Your clients can choose to take their benefits using drip-feed drawdown — an automated, tax-efficient way to take their pension income. Explore drip-feed drawdown and read our case study to see how drip-feed drawdown can help your clients maximise their pension income.
Supporting documents
The value of an investment can fall as well as rise and isn’t guaranteed. Your clients could get back less than they invest.