Insured

Our fund range focuses on quality rather than quantity. And, with the launch of our new improved investment offering, our FPP makes things even easier.

We’ve created smaller fund ranges that we believe will suit different investors and provide:

1. a flexible investment offering to suit your business model
2. a range of new Select Risk Profile Portfolios, developed in partnership with OBSR*, to quickly match your clients’ needs
3. a range of free, independently validated tools to help you through the advice process and provide a clear audit trail

All this means you can spend more time with your clients and less time researching funds, as we’ve done the hard work for you.

*OBSR (Old Broad Street Research) is recognised as the leading qualitative investment research company for retail funds in the UK. Its research is highly respected and OBSR Fund ratings are widely acknowledged as an independent mark of quality.

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Self-invested

The self-invested option is suitable for those who like to take control and want more choice. It's an individual approach for individual clients.

Fund Supermarket

Your clients can access over 1,400 funds from more than 65 market-leading fund managers - at specially discounted prices.

Discretionary fund managers

Our discretionary fund manager (DFM) option gives your clients a professional investment service, leaving you to concentrate on giving them the financial and tax-planning advice they need. This option is particularly suited for high net-worth clients or those with more sophisticated investment needs.

The appointed DFM works with your client to create an investment portfolio tailored to their circumstances - and regularly reviews it to make sure it meets their ongoing needs. The DFM will keep you informed about every transaction they make - and your client will receive a portfolio valuation every six months.

Property solutions

An AEGON Scottish Equitable Flexible Pension Plan (FPP) offers a number of property investment options for your clients.

• Commercial property
  For the self-employed or small business owners, buying their own business premises through self-investment can be the most tax-efficient way of doing this. Not only does their pension fund help buy the property, it also receives the commercial rent back tax free. What's more, no capital gains tax is due when they sell the premises.
• Property funds
  We offer a wide range of pooled property funds that invest directly and indirectly in property. This can give their portfolio diversity and allow them to invest in assets that could be financially out of reach to individual investors.
  
  

  Important information about property

  When there are more people leaving property funds than investing in them, the managers may have to sell properties to pay claims. If this is the case, one or other, or both, of the following steps may be taken to protect the remaining investors in any fund investing either directly in property or in other funds that are themselves mainly invested in property:

  • When it's felt there is a definite trend towards more people selling units in the funds than buying units, the valuation basis may change to reflect this. This will result in a drop in our fund price. This will be bigger than for other types of funds because of the extra costs involved in buying and selling property when compared with, say, shares.
  • We may also, but not necessarily, delay acting on instructions to switch/cash in a client's investment by anything up to 12 months if market conditions make it difficult for the manager to sell properties at a fair price.

  The value of properties is determined by independent valuers appointed by a fund manager and is generally a matter of their opinion rather than fact.

Other allowable investments

There are many other ways to invest with our FPP. Here are just a few:

Investment	Investments placed through:
Bank account	the designated SIPP bank account, which is currently the Royal Bank of Scotland
Commercial property (UK only)	our third-party administrators
Discretionary fund managers (DFMs)	market-leading DFMs, who we have administrative links with
Equities — quoted (UK and overseas)	execution-only stockbroker*
Exchange-traded fund (ETF)	execution-only stockbroker*
Exempt property unit trusts	buying direct from the fund manager (certain unit trusts only)
Gilts/Bonds/Loan stock	execution-only stockbroker*
Hedge funds	AEGON Scottish Equitable International's Wealth Management Portfolio, DFMs or buying direct from the fund manager (certain funds only)
Investment trusts	execution-only stockbroker*
Offshore investment bonds	AEGON Scottish Equitable International's Wealth Management Portfolio
Overseas currency (allowed only for settlement)	execution-only stockbroker*
Trustee investment plan (TIP)	any provider
Unit trusts and open-ended investment companies (OEICs)	a financial adviser, who can do this online through our Fund Supermarket or through the execution-only stockbroker*
Unauthorised exempt unit trusts	buying direct from the fund manager
Warrants	execution-only stockbroker*

*If your clients don't use the scheme default execution-only stockbroker then their investments have to be held by a scheme-appointed custodian. Investments can only be placed through our chosen nominees.

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