Small pots lump sum payment instruction

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1 For customers Small pots lump sum payment nstructon Please read these notes before completng ths nstructon About ths nstructon Use ths nstructon f you re an ndvdual wth Aegon Retrement Choces Self Invested Personal Penson wrapper(s) and/or One Retrement wrapper(s) and you want to take your penson fund from your wrapper(s) numbered n secton 2.2 (the wrapper(s) ), as small pots lump sum(s) ( small pots lump sum(s) ), as descrbed n secton 5. You ll be elgble to have all of the funds from the wrapper(s) pad as small pots lump sum(s), where: n you ve not prevously receved more than two such payments n respect of arrangements under nonoccupatonal penson schemes n you ve not prevously receved small pots lump sum(s) from any such arrangement, you ve not lsted more than three wrappers and at the tme of payment your fund value under each of them sn t more than 10,000 n you ve prevously receved one small pots lump sum from any such arrangement, you ve not lsted more than two wrappers and at the tme of payment your fund value under each of them sn t more than 10,000 n you ve prevously receved two small pots lump sums from such an arrangement, you ve lsted only one wrapper and at the tme of payment, your fund value under t sn t more than 10,000 n at the tme of the payment, you ll have reached the normal mnmum penson age, currently 55 (or your protected penson age, f you have one) or you meet the ll-health condton, and n the payment extngushes your enttlement to benefts under the wrapper(s) If you don t meet all of these condtons, you shouldn t complete ths form. By completng ths nstructon you re confrmng that you re elgble to have all of the funds from the wrapper(s) pad n the form of small pots lump sum(s) nstead of a penson. Small pots lump sums and tax n We can pay 25% of any commuted uncrystallsed funds as a tax-free amount. n We have to tax the balance of any commuted uncrystallsed funds, and all commuted crystallsed funds, at the basc tax rate under PAYE. After the end of the tax year HM Revenue & Customs (HMRC) wll check whether you ve pad the correct amount of tax, and f not they ll contact you. However, f you thnk you ve pad too much tax you can ask HMRC for a tax refund now. Addtonal nformaton n You can check the current value of your wrapper(s) onlne to see f you can take small pots lump sum(s). n Please complete ths nstructon n BLOCK CAPITALS and ballpont pen. n Where you see ths con *, you may need to send us a certfed copy of addtonal materal wth ths nstructon. n We explan terms n bold n the defntons secton at the end of ths nstructon. n Return the completed form to Platform Clent Servces, Aegon, Ednburgh Park, Ednburgh, EH12 9SE. Page 1 of 5

2 1. Your detals Ttle Mr / Mrs / Mss / Ms / Other please specfy Full forename(s) Emal Phone number Surname Date of brth (dd/mm/yyyy) We may use your emal or phone number to contact you about your nstructon. Please nclude a certfed copy of your passport or drvng lcence wth the completed nstructon as evdence of your age and dentty *. 2. Small pots lump sum 2.1 Have you taken any small pots lump sums from non-occupatonal penson schemes before? No Yes please tell us how many 2.2 Please tell us the wrapper number(s) you want to take a small pots lump sum from. The amount n each wrapper can t be more than 10,000 at the tme the small pots lump sum s pad. Remember you can only take a maxmum of three small pots lump sums as descrbed n secton Payment detals Please tell us your bank detals that we re to pay the small pots lump sum(s) to. Your bank detals should be for a personal account n your name or one where you re a jont account holder. If ths s the frst tme you ve gven us these bank account detals, please enclose a certfed copy of a bank statement for ths account wth ths nstructon *. Bank/Buldng socety name Account number Address Name of account holder(s) Postcode Buldng socety roll number (f applcable) Sort code Small pots lump sum payment nstructon Page 2 of 5

3 4. Declaraton In ths declaraton I means the ndvdual detaled n secton 1 and you means Scottsh Equtable plc as Scheme Admnstrator of the Aegon Self Invested Personal Penson Scheme. 4.1 I ve been made aware of my penson optons and tax mplcatons. I ve also had: a b c regulated advce from a fnancal advser Yes No gudance from Penson Wse Yes No retrement rsk warnngs specfc to the opton I ve selected Yes No we can t progress your clam untl you ve receved and revewed the rsk warnngs specfc to the opton you ve selected. You can access ths nformaton at aegon.co.uk/retrementplanner under the Make t Happen secton, the leaflet at the end of ths nstructon, or alternatvely you can contact us drectly. 4.2 I, request that you pay the funds from the wrapper(s) to me as small pots lump sum(s). I declare that the followng condtons for payment of the small pots lump sum(s) are met: a I ve not prevously receved more than two such payments n respect of arrangements under non-occupatonal penson schemes b where I ve not prevously receved a small pots lump sum from such an arrangement, I ve not lsted more than three wrappers and at the tme of payment the fund value under each of the wrappers sn t more than 10,000 c where I ve prevously receved one small pots lump sum from such an arrangement, I ve not lsted more than two wrappers and at the tme of payment the fund value under each of the wrappers sn t more than 10,000 d where I ve prevously receved two small pots lump sums from such an arrangement, I ve lsted only one wrapper and at the tme of payment the fund value under the wrapper sn t more than 10,000 e at the tme of the payment, I ll have reached the normal mnmum penson age, currently 55 (or my protected penson age, f I have one) or I meet the ll-health condton, and f the payment wll extngush my enttlement to benefts under the wrapper(s) 4.3 I acknowledge that a small pots lump sum(s) payment can t be made to me from the wrapper(s) f I ve prevously receved three small pots lump sums from arrangements under non-occupatonal penson schemes. 4.4 I acknowledge that a small pots lump sum payment(s) can t be made from a wrapper to me f the value of that wrapper s greater than 10,000 at the tme of payment. If any wrapper lsted n 2.2 s greater than 10,000 at the tme of payment then no small pots lump sum payment can be made from that wrapper. 4.5 I acknowledge that you ll rely on ths declaraton, and confrm that f a small pots lump sum payment made to me n connecton wth ths request results n you becomng lable for a scheme sancton charge and penaltes and/or nterest to HMRC, that I ll be responsble for, and be lable to pay to you a sum equal to the amount of that scheme sancton charge, any penaltes and nterest charged by the HMRC and any nterest charged by you. Small pots lump sum payment nstructon Page 3 of 5

4 4. Declaraton (contnued) 4.6 I agree that any sum due may be deducted from any arrangements for or n respect of me under the scheme. Date (dd/mm/yyyy) Sgnature Condtons for takng a small pots lump sum If you have a fund of 10,000 or less held n a non-occupatonal penson scheme arrangement, then ths can be pad to you as a small pots lump sum provded certan condtons are met. The condtons are: n at the tme of the payment, you ll have reached the normal mnmum penson age, currently 55 (or your protected penson age, f you have one) or the ll-health condton s met n the gross payment from the arrangement sn t more than 10,000 n the payment extngushes your enttlement to benefts under the arrangement, and n at the tme of the payment, you ve not prevously receved more than two such other payments n respect of an arrangement under any such scheme, ncludng any smlar payments made to you n the perod 6 Aprl 2012 to 26 March 2014 (such payments beng subject to a 2,000 lmt per arrangement). Provded these condtons are met, these payments can be made regardless of the value of your total penson savngs and can be made n addton to any other type of trval commutaton lump sum you may have receved. You can have a maxmum of three such small pot payments n your lfetme. Small pots lump sum payment nstructon Page 4 of 5

5 6. Defntons Certfed copy where we ve asked for certfed copes of documents from you, these can be certfed by a number of dfferent people ncludng: n a fnancal advser n a Post Offce offcal (through the Post Offce s certfcaton servce) n a bank/buldng socety offcal n an accountant To fnd a full lst go to What do you need to prove my dentty to take my benefts? n the FAQ secton Rules, regulatons and tax of Your retrement planner at aegon.co.uk/ retrementplanner The person certfyng your document should provde the followng on the copy: n ther name n block captals n the name of the company they work for n the address of the company n ther occupaton and role wthn the company n the statement I certfy ths to be a true lkeness of the orgnal, and n ther sgnature Crystallsed funds are penson funds whch have been used to provde benefts, whch for the purposes of ths form s drawdown. Ill-health condton s met f we ve receved satsfactory medcal evdence from a regstered medcal practtoner that you re (and wll contnue to be) ncapable of carryng on your occupaton because of physcal or mental mparment. Interest wll be added on a daly bass to any amount due to the scheme admnstrator for any scheme sancton charge. It wll be calculated on a daly bass from the date the frst payment was due at the Royal Bank of Scotland plc base rate plus 5%. Non-occupatonal penson scheme s a contract-based penson scheme, such as a: n Personal penson n Group Personal penson n Group Self-nvested Personal penson n Stakeholder penson n Group Stakeholder penson n Retrement annuty contract (secton 226 contract) n Secton 32 buyout, or n Trustee proposed secton 32 buyout Uncrystallsed funds are penson funds whch haven t, as yet, been used provde benefts under a penson plan. Aegon s a brand name of Scottsh Equtable plc (No. SC144517) and Aegon Investment Solutons Ltd (No. SC394519) regstered n Scotland, regstered offce: Ednburgh Park, Ednburgh, EH12 9SE. Both are Aegon companes. Scottsh Equtable plc s authorsed by the Prudental Regulaton Authorty and regulated by the Fnancal Conduct Authorty and the Prudental Regulaton Authorty. Aegon Investment Solutons Ltd s authorsed and regulated by the Fnancal Conduct Authorty. Ther Fnancal Servces Regster numbers are and respectvely Aegon UK plc We re proud to be the C ARC /15 Lead Partner of Brtsh Tenns.

6 Before you apply cash lump sum rsks Before you apply, t s mportant to understand the man rsks assocated wth the dfferent lump sum optons avalable. Please read the questons below carefully and fully nvestgate any that you thnk may apply to you before you act. Have you taken advce or gudance from a fnancal advser or Penson Wse? There s a rsk that you may choose an opton that doesn t sut your needs. Ths s an mportant decson and Aegon would always recommend that you seek advce or gudance to ensure that you fully understand your optons. Are you aware that you wll pay tax on ths opton and ths may take you n to a hgher rate tax bracket? There s a rsk that after tax s deducted you may not get as much as you were expectng. The amount you wthdraw and other ncome you receve may result n you payng hgher rate tax or even owng addtonal tax. Are you confdent that ths opton plus any other savngs or ncome wll allow you to sustan your desred lfestyle n retrement? There s a rsk that you may run out of cash. The state penson s only per week (Aprl 2015), therefore you must make sure that you nvest wsely or budget effectvely. Remember, average lfe expectancy s 79 for males and 82 for women! Do you have any guarantees bult n to your current contract? There s a rsk that you wll lose your rght to any guarantee whch may reduce the level of ncome you receve n retrement. You should make sure you understand the condtons of any guarantee before makng a decson.

7 Do you have any debt? If you owe money, there s a rsk that your lender may be enttled to your penson savngs when you take t as ncome. Are you concerned about nvestment scams? There s a rsk that you may be targeted by ndvduals or groups operatng nvestment scams. Investment scams can look and sound belevable often promsng low rsk, hgh return optons. If you ve any doubts you should seek fnancal advce from a regulated fnancal advser before commttng. For more nformaton on ths please vst fca.org.uk/news/as-new-pensonfreedoms-arrve-be-scamsmart Do you clam any means tested benefts? There s a rsk that takng your ncome may result n the loss of any means tested benefts you currently receve or may be elgble for at some pont n the future. Are you aware of the charges assocated wth any planned nvestment? There s a rsk that charges payable on any future nvestments may be greater than those currently pad on your penson savngs. Please carefully consder any rsks that apply to you before you proceed. If you have any questons, emal us at or call us on Aegon s a brand name of Scottsh Equtable plc. Scottsh Equtable plc, regstered offce: Ednburgh Park, Ednburgh EH12 9SE. Regstered n Scotland (No ). Authorsed by the Prudental Regulaton Authorty and regulated by the Fnancal Conduct Authorty and the Prudental Regulaton Authorty. Fnancal Servces Regster number An Aegon company Aegon UK plc C RET /15

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