Aegon Retirement Choices

We’re committed to helping people get ready for retirement and believe that flexibility and choice play an important part in this. Aegon Retirement Choices (ARC) is an award-winning holistic platform that can adapt as your clients’ needs change and savings grow – letting them use one online account through working life and into retirement. With over 2,500 funds, including our innovative Risk Target portfolios, exchange-traded funds (ETFs) and direct securities, ARC can meet bespoke client needs. And, by bringing all their savings together, your clients could benefit from lower charges and take control of their whole portfolio in one place.

The following video is about ARC and One Retirement - built for today and tomorrow and has a transcript (see below).

Features and Benefits

Combining straight-through processing with investment flexibility and broad functionality, ARC is easy to use and works with your business – saving you time and money while supporting client relationships.

Key points:

Product wrappers: Access a range of product wrappers, including a self-invested personal pension (SIPP), an individual savings account (ISA) and a general investment account (GIA) to give your clients a truly holistic approach to retirement planning. And, when they’re ready to retire, they can use our flexible income solutions to support the lifestyle they want.

Investments: ARC allows access to around 2,500 investment options, providing choice and flexibility. It includes our innovative Risk Target portfolios – which we actively manage and rebalance so you don’t have to – as well as ETFs and direct securities.

Building portfolios: Our model portfolio functionality offers an efficient, scalable approach to portfolio construction. Plus we offer outsourced portfolios from partner discretionary fund managers, letting your clients access specialists in portfolio management.

Functionality:  ARC works with your business – simplifying administration and putting you firmly in control. Doing everything we can to make life easy for you, we offer streamlined online services and easy to use, integrated tools and reporting. Our Portfolio Performance Review and Lifestyle Planner tools help you keep your clients on track to meet their retirement goals. And, with our online straight-through processing, you can quote and apply, place trades and apply adviser charging quickly and easily.

Client access: Our unique gating system means you and your client can agree a level of access that suits their needs – from no or view-only access to trading across a range of funds. We also ensure that the most complex activities, such as accessing drawdown or guarantees, are only available to you.

It all works seamlessly as one holistic platform.

Product wrappers

Find out how to make the most of ARC’s ways to save.

Retirement income

Find out about ARC’s retirement income options.

Fund choice

Find out about ARC’s flexible investment options.

Building investment portfolios

Find out how to use DFMs or build your own portfolios.


Learn how ARC’s tools and services work seamlessly to support your business.


Learn about our clear and rewarding charging structure.