COMPANY Aviva 0845 300 0009
Individual Stakeholder Pensions (continued) Initial/add’l
Plan Name Age nb (1/75)
Stakeholder Pension 1/75 (UL & UWP)
(single prem) Monthly Yearly £20/
£20/ No min No min minimum contributions
Single allowed increase holiday PUP £20/
reduction automatic Yes £20
Yes AWE/ (3%-15%)
Yes Yes P r e m i u m s
The following pensions are Stakeholder registered. The criteria are: 100% allocation rate, £20 per month regular premium and a 1.5% management charge Min/Max
Initial/ annual
charges bo Nil/
Lo 0.55%
L f
b
B&CE Insurance 0845 741 4142
Forester Life 0800 990022
www.foresters.com Legal & General
01737 370370
† Larger fund bonus: Up to 0.1% AMC will be refunded according to size of fund (£50K - £99,999 - 0.05%, £100K - 0.1%). Retirement penalty: An MVR may be EasyBuild (UL)
18/75 (18/75) Pension Plan (UL) (1/75) 1/74
Stakeholder Pension (1/74) Plan (UL)
£1/ £1
£20/ £5
£1/ £1
£20/ £20
£1/ £1
£20/ £20
Yes No
† Initial/Annual charges: Dependent on size of fund, up to £5K - 0.95%, £5K to £25K - 0.8%, over £25K - 0.6%. Forester Life Personal 1/70
Yes
† Initial/Annual charges: Reducing to 1% after 10 years. Legal & General
£20/ No min £20/ No min £20/ No min Yes Yes RPI (Min 2.5% pa)
Yes RPI/ NAE/Fixed up to 10%
Yes Yes Yes Yes Yes
0.6% - N 0.95% †
Yes Nil/ 1.5% † Nil/ † N N
Direct online product. † Annual charge: Funds under £25K - 1%, £25K to £50K - 0.9%, £50K +0.8%. An additional AMC will apply until fund first reaches £15 total AMC will not exceed the above maximum of 1.5%. Aberdeen - Global (ex UK) Equity, Global Growth, Multi-Asset (ex-Property), UK Equity. Allianz Global In Fleming Life - Growth, Moderate, UK Disciplined Equity.
Royal London 0870 606 2000
Individual Stakeholder 1/75 Pension Plan (UL)
£20/ (1/75) No min £20/ No min £20/ Yes, Yes RPI/
No min subject Fixed up to min to 10% premium
Yes Yes Nil/
0.9% - 1%
N
Standard Life 0800 634 7476
Stakeholder Pension 1/75 Plan (UL & UWP)
£20/ (1/75) No min
£20/ No min
£20/ £20
Yes No
Yes
Yes
Nil/ 1%
L
fu b
The Co-operative Investments
08000 282727 Virgin Money 0845 610 2040 Pension (UL) (1/75)
£1/ £1
£1/ £1
† Loyalty bonus: Large fund discount on total fund: 0.1% > £25K, 0.2% > £50K. Immediate vesting: Contract has to run for at least 2 months (single paymen CIS Stakeholder Pension 1/75
£20/ Plan (UL & UWP) (1/75) £0.01 - £20/ Yes
† Annnual charges: Plans taken out from 6 April 2015 will be subject to an AMC of 1.5% for first 10 years. The Virgin Stakeholder 1/75
£1/ £1
Yes Yes RPI/
£20 subject to Fixed min premium
Yes Fixed 10% pa
Yes Yes Yes Yes
Nil/1% N - 1.5% †
Nil/ 1%
N † = Note. RPI = Retail Price Index. NAE = National Average Earnings. N/A = not applicable. AMC (amc) = annual management charge. AWE = Average Weekly Earnings. PUP = Paid up pension. UL= U 58 March 2015
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