A personal pension with flexibility to meet changing client needs

Investment Options - Insured funds
Initial Charge	AMC - (based upon fund value)
Nil Commission Nil	Nil Commission 0.5% per year for the first £30,000 0.1% per year for the amount over £30,000 Additional 0.5% per year until the insured fund(s) value first reaches £15,000 at the start of the plan month
Contribution Based Commission Up to 5%	Contribution Based Commission As per Nil Commission above plus for every 0.1% of renewal commission – AMC increases by 0.1% (up to 1%)
Funded Commission Nil	Funded Commission The AMC as shown above for Nil Commission is increased by 1% if funded commission is taken. For every 1% of level commission sacrificed (up to 5%) the AMC is reduced by 0.1%. For every 0.1% of renewal commission sacrificed (up to 0.5%) the AMC is reduced by 0.1%.

Collectives on Cofunds*
Income Withdrawal*: Set up fee £130 + VAT. Annual fee £130 + VAT
Initial Charge	AMC - (based upon fund value)
Nil	Under £150,000: £200 + VAT £150,000 to £274,999: £100 + VAT £275,000 & over: Nil

Other self investment*
Income Withdrawal*: Set up fee £130 + VAT. Annual fee £130 + VAT
Initial Charge	AMC - (based upon fund value)
£295 + VAT	£200 + VAT or £375 + VAT depending on assets held

No switching or transaction charges for insured funds or collectives on Cofunds. Charges apply to all other forms of self investment
In addition a fund management charge applies to insured funds which varies by fund. Other charges apply to specific self investments

Full details of the charges applicable are detailed in the Portfolio Plus Pension (investing in insured funds) (CP) Terms Sheet and the Portfolio Plus Pension (with self investment and income withdrawal) (CP) Terms Sheet.

* Self investment and income withdrawal option is available after 30 days and subject to minimum criteria.

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