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ARC Self-invested Personal Pension (SIPP)

Putting you in control of your clients' financial futures.

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 2022), 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 lower charges. 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

Suitability and features of the Aegon Retirement Choices SIPP This guide provides information about the ARC SIPP
Planning for your future retirement - understanding your options In this customer guide, we provide a pre-retirement checklist to help you think about some of the main considerations before taking pension benefits.
Aegon Retirement Choices - Charges To inform customers of the different charges that may apply if they hold an Aegon Retirement Choices account.
Pilot trust guide For financial advisers. This guide highlights the pilot trust available with our platforms and how you can use it.
Aegon Retirement Choices Terms and conditions For customers - this document explains our current terms and conditions for this product.

The value of an investment can fall as well as rise and isn’t guaranteed. Your client could get back less than they invest.

Fund and investment choice

Flexibility is at the heart of our Aegon Retirement Choices (ARC) fund range with over 5,000 investment options and access to a wide range of DFMs. (As at December 2022.)

Capital at risk.

ARC investment options