Welcome to Athora
Athora is the new name for Aegon Ireland. You are now being redirected to www.athora.com/ie
https://www.athora.com/node/116
Athora is the new name for Aegon Ireland. You are now being redirected to www.athora.com/ie
You can find out about the charges that apply to Secure Capital (Policy Conditions 3.0 & 4.0) here. How much we charge depends on the guarantee(s) you’ve selected, your choice of funds and when the bond was taken out. Your 'Policy schedule' will clearly show what guarantee options you chose. Please note that our policy conditions allow us to change our charges in certain conditions.
The annual management charge is specific to the fund(s) you’re invested in.
|
Funds |
Annual management charge |
|
Managed Risk Portfolio |
0.20% |
|
Core Portfolios |
0.10% |
|
UK Cash fund |
0.10% |
If the bond is invested in a mix of funds, we’ll calculate the percentage fee proportionately. Each quarter, we’ll average the daily percentage fees and apply them to the bond.
We’ll apply the fee as a percentage of the guaranteed capital value. The guarantee option fee will be deducted assuming there’s a fund value. At the end of your guaranteed capital term, we stop deducting the guarantee option fee.
This table shows our guarantee option fee where both the guaranteed capital and guaranteed death benefit options have been selected.
|
Guaranted capital term selected |
UK Cash fund |
Core Portfolios |
Managed Risk Portfolios |
||||
|
80/20 |
70/30 |
60/40 |
Defensive |
Cautious |
Balanced |
||
|
10 |
0.30% |
1.15% |
1.70% |
n/a |
0.95% |
1.45% |
n/a |
|
11 |
0.30% |
0.95% |
1.45% |
n/a |
0.75% |
1.20% |
n/a |
|
12 |
0.25% |
0.80% |
1.25% |
1.65% |
0.60% |
1.00% |
1.50% |
|
13 |
0.25% |
0.70% |
1.05% |
1.45% |
0.50% |
0.85% |
1.30% |
|
14 |
0.20% |
0.60% |
0.90% |
1.35% |
0.40% |
0.70% |
1.15% |
|
15 |
0.20% |
0.55% |
0.80% |
1.25% |
0.40% |
0.65% |
1.05% |
|
16 |
0.20% |
0.50% |
0.75% |
1.10% |
0.35% |
0.60% |
1.00% |
|
17 |
0.20% |
0.50% |
0.70% |
1.00% |
0.35% |
0.55% |
0.90% |
|
18 |
0.15% |
0.45% |
0.65% |
0.90% |
0.30% |
0.50% |
0.80% |
|
19 |
0.15% |
0.45% |
0.60% |
0.85% |
0.30% |
0.45% |
0.70% |
|
20 |
0.10% |
0.40% |
0.55% |
0.80% |
0.25% |
0.40% |
0.60% |
This table shows our guarantee option fee where only the guaranteed capital option has been selected.
|
Guaranteed capital term selected |
UK Cash fund |
Core Portfolios |
Managed Risk Portfolios |
||||
|
80/20 |
70/30 |
60/40 |
Defensive |
Cautious |
Balanced |
||
|
10 |
0.25% |
1.10% |
1.60% |
n/a |
0.85% |
1.30% |
n/a |
|
11 |
0.25% |
0.90% |
1.35% |
n/a |
0.65% |
1.05% |
n/a |
|
12 |
0.20% |
0.70% |
1.15% |
1.50% |
0.55% |
0.90% |
1.30% |
|
13 |
0.20% |
0.60% |
1.00% |
1.35% |
0.45% |
0.75% |
1.10% |
|
14 |
0.20% |
0.55% |
0.85% |
1.20% |
0.35% |
0.60% |
1.00% |
|
15 |
0.15% |
0.50% |
0.70% |
1.10% |
0.35% |
0.55% |
0.95% |
|
16 |
0.15% |
0.45% |
0.65% |
1.00% |
0.25% |
0.50% |
0.85% |
|
17 |
0.15% |
0.45% |
0.60% |
0.90% |
0.25% |
0.45% |
0.75% |
|
18 |
0.10% |
0.40% |
0.55% |
0.80% |
0.25% |
0.40% |
0.65% |
|
19 |
0.10% |
0.40% |
0.55% |
0.70% |
0.25% |
0.35% |
0.55% |
|
20 |
0.10% |
0.35% |
0.50% |
0.65% |
0.20% |
0.30% |
0.45% |
The administration charge is a specific percentage (based on the amount of money you invested - the premium).
|
Premium band (£) |
Administration charge (% of fund each year) |
|
< 25,000 |
0.95% |
|
25,000 - 49,999.99 |
0.70% |
|
50,000 - 74,999.99 |
0.60% |
|
75,000 - 149,999.99 |
0.55% |
|
150,000+ |
0.50% |
We'll give you 12 free switches each bond year. You will not be able to make more than 12 switches a year.
One free switch covers the sale and purchase of funds.
If the premium isn’t paid in UK Sterling and we need to convert the currency, we’ll deduct a currency conversion charge. This will be a percentage of the amount being converted. Your 'Charges schedule' will give you full details of this charge.
We'll send you a statement each year telling you the current value of your bond. You can request a maximum three more valuations each year, free of charge.
If you agree to pay your financial adviser an initial fee or ad hoc fee for their advice and/or services, we can facilitate those payments to your adviser from your bond. You and your adviser agree how much this charge will be.