Individual Personal Pensions Gross Minimum Contributions
COMPANY AEGON
0131 339 9191 Aviva 0800 068 6800 Name Plan (UL & UWP)
Age nb Monthly (single)
Flexible Pension Plan 18/75 £100 No (75)
Pension Portfolio
19/No £100 No max
Initial Addn’l Initial Addn’l £1200 No
Yearly min £5K min
(£1K if reg
payts) Aviva 0845 300 0009
Personal Pension (Off Platform)
1/75 £200 £20 75
£2.4K £240 min £1K Initial Addn’l Single
For the purposes of the following table, it has been agreed by the providers that premium reductions and PUPs are permitted. Min/Max
Option to
£2.5K £499 Yes AWE/ Yes Fixed
£5K (£1K if reg
payts)
† Initial/Annual charges: Dependent on option chosen. Some managed funds may attract an additional annual fund charge of 0.1% - 3.5%. Core level Portfolio value 0.35%, £250K - £399,999 0.25% £400 000 + 0.15%. Insured fund charge (dependant on fund selection) Core level Portfolio 0.1% - 1.75%, Choice and Flex le
£10K £1K Yes AWE Yes No Yes † Y
(UL & UWP) † Penalty free transfer: MVR may be applied to customers invested in the With-Profit fund. Some funds may attract an additional annual fund charge of 0% - 1.95%. Large transfer payments. For regular payments, the initial advice payment can be paid monthly. For single and transfer payments the amount is a one-off installment Ongoing - an on in the With-Profit fund if they opt to take benefits on a date which is not their specified retirement date.
AXA Wealth 0845 122 3007
Retirement Wealth 18/No No No No No No No Account (UL)
Yes NAE/ Yes max min min min min min min RPI/Fixed
Legal & General 01737 370370
LV= 0800 783 7583
† Initial/Annual Charge: rebates apply on annual charge: £50K - £249,999 0.50%, £250K - £499,999 0.55%, £500K - £999,999 0.60%, £1M+ 0.65%. Portfolio Plus Pension 18/74 £200 †No
£2.4K No (UL) (74) min min Flexible Transitions A/c No min/ £25 † £25 £300 † £300 £20K £1K £5K £1K
Yes NAE/ Yes RPI
Yes Yes No FOR PLAN DETAILS SEE PAGE 54. Yes Y
† Gross Minimum Contributions: A reduction from £200 per month to £100 per month on the minimum monthly regular premium when a plan is effected with management charges also apply. If the total value of the insured funds is initially less than £15,000 an additional AMC of 0.5% per year will apply until the accumulate
No Yes Y
- Insured Personal No max Pension (UL) † Gross Minimum Contributions: The plan must start with a minimum £20K single contribution or transfer before regular contributions can be made. Annual s first £75K, 0.35% on next £275K, 0.20% on next £650K, then 0.1% on excess of £1 million.
NFU Mutual 0800 622 323 Personal Pension 1/75 £25 £25 £300 £300 £1K £1K Account (UL & UWP) (75)
Old Mutual Wealth 023 8033 4411
Old Mutual Wealth 023 8033 4411
Prudential 0800 000 000
† Immediate vesting allowed: Unit Linked only. Collective Retirement 1/84 £99 No
Account (UL)
Personal Pension - Single Price (UL)
Plan (UL & UWP)
1/73 (73)
(75) £100 min £5 £1K Yes/AWEI Yes No Yes Y No Yes Y £1K Yes Yes
increase Premium WOP premium holiday
Yes
company c No †
Penalty-free t same
† Initial Charge: Initial adviser charge - monetary amount or percentage of contribution, regular contributions can be spread between one and sixty months. Maximum Charge: additional AMC may apply for external fund links. Immediate Vesting: Contract must run for 1 year before vesting. Loyalty Bonus: Fund Value rebate of 0.1% f
No Yes Y
a N
£3.6K No min
£3.6K No min
† Penalty-free transfer same and another company: unless there is any outstanding initial phased charge which can only apply to contracts taken out prior to 31.12.12 0.22% to 4.06% pa.
£50 £2.5K† £500 £1.2K No
Yes, greater Yes of 10%/RPI
£5K £200 Yes NAE/ Yes
Fixed - 1% - 10%
min min No No Yes Yes Y
† Minimum single premium: £2.5K but £5K for transfers. Annual charge: 0.75% if fund value is less than £50K, 0.25% if fund value is £50K or more. Fund managem Pru Flexible Retirement 17/75 £100 No
Y
Yes AEI Yes
No
Yes †
Y
Royal London 0870 606 2000
† = Note. 54
† Annual charge: AMC depends on fund selected. Loyalty bonus: Bonus will result in a further reduction to the effective AMC applied. The rebate rates are for the elap Pension Portfolio
(UL & UWP)
1/75 £100 †No (75)
£1.2K min No min £2.5K No min
Yes RPI/ Yes Fixed up
† Minimum contributions: Reduces to £50 pm if there is an associated transfer payment of £15K. to 10% r = regular plan. s = single plan. AMC (amc) = Annual management charge. AWE = Average Weekly Earnings. UL = Unit linked. UWP = Unitised with profits. RPI = Retail Prices Index. WOP = W No Yes
Y
March 2015
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