Our trust range for use with a general investment account, Making contributions to products on the Aegon Platform (PDF. Stocks and Shares Individual Savings Account (ISA) What is a stocks and shares ISA? €3.18 +0.35% | €0.01. ARC ISA . There’s no annual charge payable on assets above £1 million. Policy. Returns from an ISA are free from any personal liability to income tax and capital gains tax. Aegon has been criticised for changing the way it charges investors who have previously used the Cofunds platform Aegon provide retirement, workplace savings and protection solutions to over two million UK customers. All Aegon investments will simply levy a Willis Owen Service fee of 0.50% plus an Aegon Annual Charge of 0.23%.The fees are calculated are based on the value of your investments at the end of the month, and paid on a monthly basis. The charge we’d deduct for the month would therefore be £111.25 divided by 12 = £9.27. Aegon ISA if you don’t already have one. A stocks and shares ISA is a tax efficient way to save for the medium to long-term. Some funds may also have: a bid-offer spread, which is effectively a charge applied when you buy or sell; a performance fee A stocks and shares ISA is a tax efficient way to save for the medium to long-term. This information is not a personal recommendation for any particular investment. Welcome to Aegon. These ongoing charges are in addition to any product or adviser charges. The 5 Diamond rated 2 range comes with expert asset allocation, risk management and robust governance built in. Aegon focuses on three core markets (the United States, the Netherlands, and the United Kingdom), three growth markets (Spain & Portugal, China, and Brazil) and one global asset manager. Through us you have access to a range of different investment opportunities and can invest a regular monthly amount, a lump sum – or both. Visit Retiready frequently asked questions (FAQ's) to find out. How much tax will I pay? •Aegon will recognize GBP ~150 million Solvency II benefit as a result of cost savings1 - Cost synergies will be equally split between Aegon’s existing insurance business and Cofunds •Annual capital generation post-integration of GBP ~70 million - Cofunds contributes GBP ~50 million of capital generation, which reflects net underlying earnings Creating the leading UK platform 1. It’s called a Junior ISA and works in broadly the same way as the adult version. For application forms and support literature, go to our document library, In order to get you to the right place, we need to find out a bit more about you. Aegon and Cofunds have reduced platform charges in the wake of the Budget, with Aegon becoming the first advised platform to introduce a cap on charges. We won't charge you for ISA transfers, but your current provider may have an exit charge. Online Isa & Sipp providers cost comparison table Below is a breakdown of the charges levied by some of the most popular online Isa platforms for funds and stocks & shares. Ongoing fund charges are set by the companies who manage the funds and start from 0.05%. The higher the value of assets held on the Aegon Platform, the lower the overall percentage charge a client pays. 10. A stocks and shares ISA is a tax-efficient way for your clients to save up to £20,000 (2020/2021 tax year) and put their money into a range of different investment funds - from shares and commercial property to fixed interest securities and cash. Sign in to Dashboard. You also don’t have to disclose them on a tax return. The standard annual charge is tiered into five bands. Back. Powered by Aegon . What if I don’t have enough cash in the cash facility of my product? We use cookies to give you the best possible experience on our There are three main types of charges: 1. h�bbd```b``�"��H�}`�#`�ɝ "��"�L`v�-VyL~��� �y��M�`�YD�&���n ���$�O^��t�5�%�4'�30��0 m endstream endobj startxref 0 %%EOF 210 0 obj <>stream In such cases transaction or incidental cost information may be missing. If there is enough money in your Aegon GIA/ISA Cash Facility, Aegon will ring-fence their Platform Charge and our Service Charge. You can find out more about our Retiready ISA (also known as our ready-made option) on our website. If you’re not sure, you should get financial advice - there may be a charge for this. You may also be able to re-direct and pay your ongoing charges from your ISA through your GIA cash facility (which is automatically set up for you when you buy an ISA from Aegon) rather than through your ISA. For example, you could have £17,000 in stocks and shares ISA and £3,000 in a cash ISA. Do-it-with-me platforms. This document provides the details required to make payments and contributions to products on the Aegon Platform. You must have been provided with an illustration, terms and conditions Aegon ISA key features, Aegon Platform terms SEDOL. Clients are able to transfer their existing cash ISA  into a stocks and shares ISA, without losing the ISA status of their cash. Please contact us, or your intermediary for copies if you don’t have access. 168 0 obj <> endobj 191 0 obj <>/Encrypt 169 0 R/Filter/FlateDecode/ID[<8A3781DAB62C4B57BD2E36DA2AAF3EA2>]/Index[168 43]/Info 167 0 R/Length 111/Prev 231590/Root 170 0 R/Size 211/Type/XRef/W[1 3 1]>>stream You can open a Junior ISA if your child is under the age of 18 and live in the UK. We’ve come up with a calculator which does all the number crunching – so you don’t have to. This fund can be held in an Investment ISA, SIPP and Investment Account. Aegon focuses on three core markets (the United States, the Netherlands, and the United Kingdom), three growth markets (Spain & Portugal, China, and Brazil) and one global asset manager. €3.18 +0.35% | €0.01. Ahead of the switchover of assets as part of its integration of the Cofunds business, Aegon recently announced that it will levy charges based on … For example, if you’re invested in an ISA and don’t want to use your ISA to pay the ongoing charges that are due, you can direct those charges to be taken from the cash facility in your GIA. Online Isa & Sipp providers cost comparison table Below is a breakdown of the charges levied by some of the most popular online Isa platforms for funds and stocks & shares. ARC charges 2. Tax treatment depends on individual circumstances and all tax rules may change in the future. If your Aegon GIA doesn’t have enough in the cash facility or in investments, we’ll re-direct the charge back to your Aegon ISA and deduct from that product. If you’re transferring an ISA that holds current tax year contributions, you must transfer that amount in full. Wealthify Junior Stocks and Shares ISA* Start investing from as little as £1. If you’re not sure, speak to a financial adviser – there may be a charge for this. (Service profile is a product grouping that groups all your Aegon Platform products together that are either: linked to a particular intermediary, or that aren’t linked to any intermediary.) The value of a stocks and shares ISA can fall as well as rise, isn't guaranteed and you may get back less than you invest. AEX. December 24, 2020, 16:00 CET. December 24, 2020, 14:00 CET. The benefit of the tax treatment depends on individual circumstances. Retiready charges a platform fee of 0.5% on assets up to £50,000, 0.4% for assets of between £50,000 and £100,000 and 0.3% on assets over £100,000. The MiFID II costs and charges disclosure documents can be found from the Link Group website via the PruAdviser website. Capital at risk. Find out more. If there is enough money in your Aegon GIA/ISA Cash Facility, Aegon will ring-fence their Platform Charge and our Service Charge. Section 5 – tell us what investments to sell if we need to automatically top up the cash in your cash facility to cover charges or withdrawals. pre-sale disclosure on costs and charges, key investor information document(s) and the declarations in this application, before completing this application process. A transfer for consolidation purposes could be from one capital at risk stocks and shares ISA, general investment account (GIA) or pension product to another – so the value of your investments after any consolidation can still fall as well as rise and you may get back less than you invest. Open a Junior ISA for most people into your tax advantaged ISA savings ongoing are. Affect this year 's ISA allowance ( for the month would therefore be £111.25 divided by 12 =.. 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