company rates No †
ransfer another
Allocation reg/
r100% Nil/ s100% Nil
Yes r 100% Nil/ s 100% Nil
Policy fee Initial/ Bid/ single
†/ 1% † † Nil ROF Choice of approximately 2,800 funds covering a full range
of industry sectors from 96 fund managers. Over 97% of clean funds have been added to the platform. The total of clean shares totals over 2,300
up to £29,999 - 0.35%, £30K - £249,999 0.30%, £250K - £399,999 0.20% and £400.00 + 0.10%, Choice and Flex Levels Portfolio value up to £29,999 - 0.40%, £30K - £249,999 vels 0.1% - 3.5%. Flex level £250 annual charge.
Yes †
r100% Nil/ s100% Nil
Nil/ 0.70% † fund discount: Aviva will apply a fund rebate of up to 0.3%. (£20K - £49,999 - 0.25%, £50K+ - 0.30%). Adviser charge options: Initial - a £ amount can be specified in respect regular, single and
ngoing amount can be selected for regular, single and transfer payments. This can be either a £ amount or a % and is paid monthly. † Retirement Penalty: An MVR may be applied to customers invested Yes
r 100% Nil/ s 100% Nil
Nil/ 0.80%
to 1.85% depending on funds chosen †
Yes r 100% Nil/ s100% Nil
h a single premium or transfer of at least £30,000. † Annual Charge/Loyalty bonus: Tiered charging structure for funds less than £30,000 AMC 0.5%, funds £30,000 or more 0.1%. Fund ed value of the insured fund first reaches £15,000 at the start of a plan month.
Yes r 100% Nil/ s100% Nil Nil/ 0.25% †
service charge: 0.25% on first million then 0.1%. Immediate vesting allowed: Can convert plan to SIPP/drawdown option at any time - annual charge would then increase to 0.55% on Yes
100%
Nil/ Nil
Nil/ 1%
Nil ROF With Profits. Deposit, Fixed Int, Global Emerging Markets,
Index Linked, Mixed Portfolio Max 100% Shares Fund, Mixed Portfolio 40-85% Shares Fund, Mixed Portfolio 20-60% Shares Fund, International, Property, UK Equity, UK Equity Income
Yes † 100% †† Nil ROF
Choice of over 1200 UT/OEIC funds including default (Blackrock Cash Fund)
r 100% Nil/ s100% Nil
Nil/ †
Nil ROF Choice of over 600 funds including default (Skandia Deposit)
Yes No All free No
2. Policy fee/reg single:Unbundled tiered charging model, first £25K - 0.5%, £25K to £100K - 0.35%, £100K to £500K - 0.3%, £500K to £1m - 0.25%, £1m + 0.15%. Fund AMC ranges from Yes
No † 100% N/A
Nil/ †
Nil ROF Managed. Over 140 funds available including Prudential No Nil All free † No
ent charge varies from fund to fund (0% - 3.7%). Immediate vesting: Minimum term is normally 2 yrs before vesting. Switches: Unit prices may reflect a dealing turn. Yes
†
Multi-Asset funds, Prudential Risk Graded Dynamic Portfolios and the PruSelect Range (funds from a range of different fund management companies independently selected by Old Broad Street Research)
psed time: 0 - 4.99 yrs = 0.00%, 5 - 9.99 yrs = 0.05%, 10 - 14.99 yrs = 0.10%, 15 - 19.99yrs = 0.20%, 20+ yrs = 0.25%. Yes
r 100% s 100%
Nil/ Nil
Nil/
0.35% - 0.9%
Waiver of premium. PUP = Paid up plan. NAE = National Average Earnings. ROF = Return of fund. March 2015 55 Nil ROF Choice of 160 funds (40 internal and 120 external) Yes Yes All free No All free No Yes † No 12 No Nil ROF Choice of approximately 185 funds from 24 fund managers Yes † No All free No † N/A ROF Choice of over 330 funds Yes † All free No Nil ROF
Choice of over 300 fund links, 50 plus internally managed Yes Yes All free No funds (including some elite), and over 250 external funds
Nil ROF With Profits. Choice of over 250 funds from 30 providers No No All free No †
annual offer Death Fund choice charges spread benefit
Nil ROF
Immediate
(Default in bold if applicable) A choice of over 250 funds
allowed? bonus charges penalty No †† 20/
vesting Loyalty free pa/ No Discretionary
m initial AC allowed is subject to meeting the minimum contribution. Ongoing adviser charge - percentage of fund or monetary amount. Ad hoc adviser charge - monetary amount. Annual for funds £1 - £15k, 0.5% for funds £15k - £50k, 0.6% for funds £50k - £150k and 0.65% for funds £150k and over.
Yes No All free No
PENSIONS Switches
Retirement
Page 1 |
Page 2 |
Page 3 |
Page 4 |
Page 5 |
Page 6 |
Page 7 |
Page 8 |
Page 9 |
Page 10 |
Page 11 |
Page 12 |
Page 13 |
Page 14 |
Page 15 |
Page 16 |
Page 17 |
Page 18 |
Page 19 |
Page 20 |
Page 21 |
Page 22 |
Page 23 |
Page 24 |
Page 25 |
Page 26 |
Page 27 |
Page 28 |
Page 29 |
Page 30 |
Page 31 |
Page 32 |
Page 33 |
Page 34 |
Page 35 |
Page 36 |
Page 37 |
Page 38 |
Page 39 |
Page 40 |
Page 41 |
Page 42 |
Page 43 |
Page 44 |
Page 45 |
Page 46 |
Page 47 |
Page 48 |
Page 49 |
Page 50 |
Page 51 |
Page 52 |
Page 53 |
Page 54 |
Page 55 |
Page 56 |
Page 57 |
Page 58 |
Page 59 |
Page 60 |
Page 61 |
Page 62 |
Page 63 |
Page 64 |
Page 65 |
Page 66 |
Page 67 |
Page 68 |
Page 69 |
Page 70 |
Page 71 |
Page 72 |
Page 73 |
Page 74 |
Page 75 |
Page 76 |
Page 77 |
Page 78 |
Page 79 |
Page 80 |
Page 81 |
Page 82 |
Page 83 |
Page 84 |
Page 85 |
Page 86 |
Page 87 |
Page 88 |
Page 89 |
Page 90 |
Page 91 |
Page 92 |
Page 93 |
Page 94 |
Page 95 |
Page 96 |
Page 97 |
Page 98 |
Page 99 |
Page 100 |
Page 101 |
Page 102 |
Page 103 |
Page 104 |
Page 105 |
Page 106 |
Page 107 |
Page 108 |
Page 109 |
Page 110 |
Page 111 |
Page 112 |
Page 113 |
Page 114 |
Page 115 |
Page 116 |
Page 117 |
Page 118 |
Page 119 |
Page 120 |
Page 121 |
Page 122 |
Page 123 |
Page 124 |
Page 125 |
Page 126 |
Page 127 |
Page 128 |
Page 129 |
Page 130 |
Page 131 |
Page 132 |
Page 133 |
Page 134 |
Page 135 |
Page 136 |
Page 137 |
Page 138 |
Page 139 |
Page 140 |
Page 141 |
Page 142 |
Page 143 |
Page 144 |
Page 145 |
Page 146 |
Page 147 |
Page 148 |
Page 149 |
Page 150 |
Page 151 |
Page 152 |
Page 153 |
Page 154 |
Page 155 |
Page 156 |
Page 157 |
Page 158 |
Page 159 |
Page 160 |
Page 161 |
Page 162 |
Page 163 |
Page 164 |
Page 165 |
Page 166 |
Page 167 |
Page 168 |
Page 169 |
Page 170 |
Page 171 |
Page 172 |
Page 173 |
Page 174 |
Page 175 |
Page 176 |
Page 177 |
Page 178 |
Page 179 |
Page 180 |
Page 181 |
Page 182 |
Page 183 |
Page 184 |
Page 185 |
Page 186 |
Page 187 |
Page 188 |
Page 189 |
Page 190 |
Page 191 |
Page 192 |
Page 193 |
Page 194 |
Page 195 |
Page 196