Get ready for tax year end

As tax year end approaches, use this dedicated hub to make the most of the tax-efficient opportunities available on Aegon Retirement Choices (ARC). 

With resources, guides, ready-made templates and campaign tips to help you take advantage of the opportunities to support your clients. 

Could consolidation be right for your clients?

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ARC allows your clients to save using an ISA, a self-invested personal pension (SIPP) and a general investment account (GIA), letting them diversify their portfolio and giving them the opportunity to bring their assets together into one place.

If your clients' total ARC portfolio is over £250,0001, our price cap means there's no charge on assets over this amount.

Take a look at our consolidation toolkit to see if it could be the right move for you and your clients.

Consolidation toolkit Consolidation toolkit

It’s important your clients are comfortable with the investment choices they make as they may lose features, protections, guarantees or other benefits when they transfer. The value of your client’s pensions or investments after any consolidation can fall as well as rise and they may get back less than invested or paid in. Any new funds you move your client’s money into will have their own set of risks that will be detailed in the fund information that will be available to you.

1or a negotiated price cap which is different.

Run your own ISA campaign

Use our simple three-step process to run an ISA campaign, and help your clients make the most of their tax-efficient ISA allowance. The application process on ARC is online and signatureless, making it easy for you and your clients.

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1. Identify opportunities

If you have ARC clients with an existing ISA, find out if they have any unused ISA allowance using Report Zone.

Log in to Report Zone Log in to Report Zone

The Report Zone guide [PDF, 558KB] will help if you haven’t done it before.

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2. Get in touch with clients

Remind your clients about:

The value of investing in an ISA - [PDF, 453KB]

Topping up their ISA - [PDF, 611KB]

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3. Submit your business

Once you've heard back from your clients and discussed what they want to do next, log in to ARC to process their instruction.

Log in to ARC Log in to ARC

Guides and support for submitting business

Read through our range of guides to help your submit business on the ARC. For all the forms and guides you need, go to our Document library.

Tax year end deadlines Tax year end deadlines

Check the deadlines to make sure you submit applications and payments in time. 

Digital journeys Digital journeys

We've made easier to do business on ARC, find out what you can do online and when paper forms are needed.

Report Zone guide Report Zone guide

Create an unused ISA allowance report using Report Zone

How to submit a new ISA or GIA How to submit a new ISA or GIA

View our helpful guide when submitting a new ISA or GIA on ARC.

Online support Online support

Use our guides to help you navigate the platform and transact online.

Tax year checklist Tax year checklist

Help your clients maximise the tax-efficient opportunities available to them during the 2021/22 tax year.

CGT tool CGT tool

We've enhanced our CGT tool with a scenario planner, making it even easier to manage your ARC clients' capital gains tax liabilities. You can view our short overview guide or take a look at our CGT guide to find out more and watch our short video to see how the tool works.

IHT Calculator IHT Calculator

Use our IHT calculator to see if your client has a potential inheritance tax liability.

Guide to making contributions to wrappers Guide to making contributions to wrappers

Details of how to make contributions by bank transfer and cheque on ARC.

 

The flexible ISA subscription rules introduced on 6 April 2016 don't apply to the Aegon ISA. Re-registering an ISA can take around 6-8 weeks. This is a guide only, in exceptional circumstances it could take longer.

Get in touch

More resources to support you

Find out how to beat inflation this ISA season in our latest market snapshot podcast Find out how to beat inflation this ISA season in our latest market snapshot podcast

In this podcast, Jon Payne, Key Accounts Director at Aegon UK, and Richard Whitehall, Aegon UK’s Head of Portfolio Management, discuss the myriad of market factors at play, as well as why and how savers should consider investing their savings this ISA season.

A guide to ISA investing - for customers A guide to ISA investing - for customers

When choosing an ISA, this guide can help your clients understand the pros and cons between investing in a stocks and shares ISA and putting their savings in a cash ISA.

Helping your clients to plan their financial future Helping your clients to plan their financial future

We believe getting more people to access financial advice will improve their financial wellbeing. Here you'll find our latest research, guidance and support to help you to encourage your clients to plan for their futures and identify new advice opportunities.

Explore our Risk-Managed Portfolios Explore our Risk-Managed Portfolios

Available to ISA investors, the Risk-Managed Portfolios offer a complete multi-asset solution for a fixed 0.25% ongoing charges figure. The 5 Diamond rated2 range comes with expert asset allocation, risk management and robust governance built in. Capital at risk.

2The Risk-Managed Portfolios have a 5 Diamond Rating (Risk Targeted Fund Family) from Defaqto.

We're warning 8.6 million cash savers that any increase in interest rates will likely be wiped out by surging inflation We're warning 8.6 million cash savers that any increase in interest rates will likely be wiped out by surging inflation

We're warning savers with large amounts of money sitting in cash not to be lulled into a false sense of security if interest rates creep up, because of the threat of higher inflation throughout 2022. The FCA suggest 8.6 million consumers hold over £10k investable assets in cash and is planning to explore ways of supporting some of these people to invest3.

3FCA's Consumer Investments: Strategy and Feedback Statement

Our research shows that 64% are concerned about the impact of rising inflation on their finances Our research shows that 64% are concerned about the impact of rising inflation on their finances

With CPI inflation reaching a decade high figure of 5.1%4, new research carried out by Opinium on behalf of Aegon UK in December shows widespread concern among consumers of the impact such high inflation will have on daily life and their savings.

4 CPI 12-month rate to November: Office for National Statistics - Consumer price inflation, UK: November 2021

Advice Makes Sense

Have a look at our range of support material to help you with your client conversations, navigate industry changes and continue to grow your business.