When your clients think about saving for retirement, what do they imagine? A new car, holidays, spending more time with family or just taking it easy? It’s probably not worrying about living longer than their money will last, the market dipping or withdrawals eating away at their savings. But these risks could have a real effect on their retirement income.

Key risks explained in our infographic
decorative graphic for risks explained

Guaranteed solutions

Our guaranteed solutions offer your clients some security, peace of mind and a way to future-proof their retirement – plus plenty of choice. They can choose to guarantee an income for life, income for 20 years or to get a return of at least of their invested premium back at a fixed future date.

Our guarantees let them benefit from potential market rises too. Thanks to our unique monthiversary feature, at the end of each year our guaranteed income products offer 12 chances to lock in gains. On our guaranteed capital we’ll also look at the capital guarantee value each year and lock in any gains made – there’s no limit on how much those locked-in gains can be.

Plus, your clients have the option of including a guaranteed death benefit too, offering more comfort of knowing that they can leave benefits to their family.

As their circumstances may change, your clients stay in control and can get access to their money, just in case they need it. The money’s not locked away, but taking additional withdrawals will of course reduce the guarantees.

If the plan is cashed in the guarantee(s) will no longer apply. We don’t offer a guarantee cash in value so clients could get back less than the amount originally invested. The guaranteed capital value available on Aegon Secure Capital only applies at the end of the guarantee capital term and not before or after.

It’s important to know that any guarantee is based on the ability of the issuing insurance company – in this case Aegon Ireland plc – to pay for it. If, for example, that company no longer existed, then the guarantee(s) would be affected.

Aegon Ireland plc is authorised by the Central Bank of Ireland and subject to limited regulation by the Financial Conduct Authority for the conduct of UK business.

Investment choice

When choosing an investment, it’s important to select a strategy that meets your client’s objectives, balancing their desired level of return with the level of risk they’re willing to take. There are various ways of measuring and managing the risk of an investment. Volatility, for example, measures how much the returns of an asset or portfolio fluctuate over time.

The portfolios available within our guaranteed solutions products focus on either targeting a certain level of risk or maintaining a targeted asset mix over time.

There are three Managed Risk Portfolios, three Core Portfolios and a UK Cash fund. For our Aegon Secure Trustee Investment plan there's also a UK Fixed Interest fund.

The Managed Risk Portfolios invest in a mix of fixed interest, equities and sometimes cash in order to manage the risk levels within the fund. Clients can choose from a Defensive (PDF - 372kb)(Opens new window)(Opens new window)(Opens new window), Cautious (PDF - 399kb)(Opens new window)(Opens new window)(Opens new window) and Balanced (PDF - 370kb)(Opens new window)(Opens new window)(Opens new window) fund depending on their risk appetite.

Find out more about the asset allocation and performance.

The Core Portfolios are a mix of fixed interest and equities with a target fixed interest and equity allocation. Clients can choose from a 80/20 (PDF - 178kb)(Opens new window)(Opens new window)(Opens new window), 70/30 (PDF - 178kb)(Opens new window)(Opens new window)(Opens new window) and 60/40 (PDF - 178kb)(Opens new window)(Opens new window)(Opens new window) mix.

Our UK Cash fund (PDF - 178kb)(Opens new window)(Opens new window)(Opens new window) is a lower risk investment option investing in cash only.

Find out more information in Your investment choice leaflet (PDF - 1.4mb)(Opens new window)(Opens new window)(Opens new window)

Aegon Secure Lifetime Income

Learn about a guaranteed income for life that can go up, but not down.

Aegon Secure Income

Learn about a 5% guaranteed income for 20 years, or less for longer.

Aegon Secure Capital

Learn about guaranteeing your client’s capital at a future date.