Our Packaged Fund Range Our Packaged Fund Range allows you choice when building your portfolio with your adviser, while still offering the comfort of full governance. The charges listed below are the additional disclosable charges/expenses applicable to packaged investors. The expenses element of these charges is dependent on the day-to-day running costs of each fund, so they may vary very slightly. Savers will also pay an Annual Management Charge (AMC) and may pay a fee to their financial adviser. The funds available for other products - including Aegon Retirement Choices and One Retirement - are different from the list below. Charges may also differ. The value of an investment can fall as well as rise for a number of reasons, for example market and currency movements. You may get back less than originally invested. Funds are available for a particular product where a coloured box is shown. n Pension n Stakeholder – individual and group* n Life *Where a charge is shown the fund is available to stakeholder only where the commission basis allows for the total yearly charge to meet stakeholder requirements.
Investment type / fund name Risk-Target funds
Additional disclosable charges/expenses StakePension Life holder
Investment type / fund name
Additional disclosable charges/expenses StakePension Life holder
Investment type / fund name Multi-Asset funds Actively managed 50/50 Cautious Managed Collection 60/40 Cautious Managed Collection 70/30 Defensive Managed Collection 80/20 Defensive Managed Collection SE Aberdeen Multi-Manager Cautious Managed Portfolio SE Aberdeen Multi-Manager Diversified Alpha Portfolio (closed to new investors) SE Baillie Gifford Balanced Managed SE Baillie Gifford Diversified Growth Balanced Lifestyle
Additional disclosable charges/expenses StakePension Life holder
0.15
0.15
0.20
0.15
0.15
0.15
0.10
0.10
0.10
0.05
0.05
0.10
1.60 1.90 0.25
0.25
0.80
0.25 0.50
-
-
SE BlackRock Balanced Managed SE BlackRock Dynamic Diversified Growth Cautious Lifestyle Distribution Dynamic Lifestyle External Balanced Collection
0.25
0.25
0.25
0.25
0.25
External Stockmarket Collection SE Fidelity Multi-Asset Strategic SE MAN GLG Balanced Managed SE MAN GLG Stockmarket Managed SE Henderson Cautious Managed SE Invesco Perpetual Balanced Managed SE Invesco Perpetual Stockmarket Managed SE Investec Cautious Managed SE Kames Core Plus SE Lazard Balanced Managed
0.35 0.95 0.25
0.35
0.35
0.25
0.25
0.35
0.35
0.35
Mixed SE Newton Balanced Managed SE Newton Managed SE Neptune Balanced
0.30 0.40 0.80
Select Distribution Select Reserve SE UBS Balanced Managed SE UBS Stockmarket Managed Universal Balanced Collection Passively managed Balanced Passive Balanced Passive Lifestyle SE BlackRock Aquila 30/70 Equity and Bond Index
0.25
0.75
Investment type / fund name Multi-Asset funds continued Passively managed continued SE BlackRock Aquila 50/50 Bond and Equity Index SE BlackRock Aquila 50/50 Bond and Equity Index Lifestyle SE BlackRock Aquila 75/25 Equity and Bond Index SE BlackRock Aquila 75/25 Equity and Bond Index Lifestyle SE BlackRock Aquila Consensus SE BlackRock Aquila Consensus Lifestyle Multi-Asset blend funds UK Fixed Interest and Global Equity Tracker Lifestyle UK Fixed Interest and Global Equity Tracker Universal Lifestyle Collection
-
0.70
0.30
0.30
0.30
0.30
0.30
0.30
Aegon High Income International Bond Select Portfolio SE UBS Multi-Asset Income Workplace Target funds Flexible Target funds Adventurous Tracker (Flexible Target) Balanced Tracker (Flexible Target) Ethical Managed (Flexible Target) Growth Tracker (Flexible Target)
Additional disclosable charges/expenses StakePension Life holder
0.85
Interim Retirement (Cash Target)
0.60 0.70 0.85
0.05 0.05 -
-
Investment type / fund name Equity funds Asia Pacific (ex Japan) equity SE Aberdeen Asia Pacific Equity
Additional disclosable charges/expenses StakePension Life holder
0.85
Pacific SE Schroder Asian Alpha Plus Chinese equities SE Jupiter China
0.05 0.95
Emerging market equities SE Aberdeen Emerging Markets Blend SE Allianz BRIC Stars SE BlackRock Aquila Emerging Markets Equity Index Emerging Markets Equity Tracker Global Emerging Markets Equity Select Portfolio SE Henderson Emerging Markets Opportunities SE J.P.Morgan Emerging Markets
European equities continued SE Lazard European Smaller Companies SE Neptune European Opportunities SE Schroder European Alpha Plus
0.95
Asian Equity Select Portfolio SE BlackRock Aquila Pacific Rim Equity Index SE Fidelity Asia SE Stewart Investors Asia Pacific Leaders SE Invesco Perpetual Asian SE Investec Asia ex Japan SE J.P.Morgan Asia Pacific (ex Japan) Equity Tracker
-
-
1.25
1.25
0.90
0.90
0.95 1.00 0.95 -
0.95
0.05
0.15
1.05 2.00 1.10 0.25 0.85 1.00 0.95
SE Lazard Emerging Markets SE M&G Global Emerging Markets SE Schroder Global Emerging Markets SE Somerset Global Emerging Markets SE UBS Global Emerging Markets Equity European equities
0.85 1.00
SE Argonaut European Alpha SE BlackRock Aquila European Equity Index Continental European Equity Tracker European Equity Select Portfolio European Tactical European
1.10
SE Fidelity European SE Fidelity European Opportunities SE Henderson European Selected Opportunities SE J.P.Morgan Europe Dynamic (ex-UK) SE Jupiter European Special Situations SE J.P. Morgan Emerging Europe Equity SE Lazard European Alpha
1.20 1.00
0.85
1.00 1.05 0.45
0.45
-
-
0.75 0.05 -
0.05 -
0.45
0.05 1.20
0.95 0.95 1.05 0.95 0.85
Investment type / fund name Equity funds continued
0.95
SE Schroder European Opportunities SE Threadneedle European Global equities Aegon Schroder QEP Global Core SE Aberdeen Multi-Manager Constellation Portfolio SE Artemis Global Growth SE Baillie Gifford 60/40 Worldwide Equity SE Baillie Gifford Stockmarket Managed SE Baillie Gifford Global Alpha Growth SE Baillie Gifford International SE BlackRock Aquila 40/60 Global Equity Index SE BlackRock Aquila 40/60 Global Equity Index Lifestyle SE BlackRock Aquila 50/50 Global Equity Index SE BlackRock Aquila 50/50 Global Equity Index Lifestyle SE BlackRock Aquila World (exUK) Equity Index SE BlackRock Global Equity SE BNY Mellon Long-Term Global Equity SE Cavendish Worldwide SE Fidelity Global Focus SE Fidelity WealthBuilder SE Fundsmith Equity Global Equity Tracker Lifestyle Global Equity Tracker Global SE HSBC Life Amanah International SE Lazard Managed Equity SE M&G Global Basics SE M&G Global Leaders SE Neptune Global Alpha SE Neptune Global Equity Overseas Equity Tracker Overseas Tactical SE Sarasin EquiSar Global Thematic Global equity income SE Aberdeen World Equity Income SE Invesco Perpetual Global Equity SE Lazard Global Equity Income SE M&G Global Dividend SE Newton Global Income
Additional disclosable charges/expenses StakePension Life holder
Investment type / fund name Equity funds continued
Additional disclosable charges/expenses StakePension Life holder
Japanese equities SE BlackRock Aquila Japanese Equity Index SE MAN GLG Japan CoreAlpha Japanese Equity Select Portfolio
0.75 0.75
Japan Japan Equity Tracker SE Jupiter Japan Income SE Schroder Tokyo
1.00 0.95
North American equities SE Allianz US Equity SE AXA Framlington American Growth SE BlackRock Aquila US Equity Index
0.95 0.80 -
SE BlackRock US Dynamic SE Henderson US Growth SE Fidelity American SE J.P.Morgan US
0.90 0.95 0.95 0.95
SE J.P.Morgan US Equity Income North American Equity Select Portfolio North American North American Equity Tracker SE Schroder US Mid Cap SE Threadneedle American
0.95
SE UBS US Equity Technology Technology UK equities
0.45
SE Artemis Capital SE Artemis UK Special Situations SE Baillie Gifford UK Equity SE BlackRock Aquila UK Equity Index
0.90 0.80 0.35 -
SE BlackRock UK SE BlackRock UK Special Situations SE Cavendish Opportunities SE Fidelity Special Situations SE MAN GLG UK Select SE Kames UK Opportunities
0.90
0.90
0.90
0.90
SE Lazard UK Alpha SE Legal & General Growth SE M&G Recovery SE M&G UK Growth
0.70 0.95 0.90 0.90
SE Newton UK Equity SE Schroder UK Alpha Plus SE Schroder UK Mid-250 SE UK Equity Select Portfolio
0.80 0.90 0.95 0.65
SE UK Equity Tactical SE UK Index Tracker SE UK Equity
0.05 -
-
UK equity income SE Artemis Income
-
-
0.25
1.00
0.90 0.95 0.95
-
SE Invesco Perpetual Income SE Newton UK Income SE Schroder Income Maximiser SE Schroder Income SE Threadneedle UK Equity Income UK smaller companies Aegon Henderson UK Smaller Companies SE BlackRock UK Smaller Companies SE Old Mutual UK Smaller Companies SE Schroder UK Smaller Companies SE UK Smaller Companies Ethical funds Ethical Cautious
0.70 0.90 0.75
Investment type / fund name Equity funds continued
Ethical Lifestyle
-
0.45 -
0.05 0.90 0.80
0.35 -
0.85 0.95 0.75 0.65
0.65 0.70
0.90 0.95 -
-
Ethical Ethical Managed Ethical Managed Lifestyle SE Henderson Global Care Managed SE Kames Ethical Corporate Bond Socially Responsible Equity
Additional disclosable charges/expenses StakePension Life holder
0.65
0.65
0.90 0.40 0.90 0.90
0.90 0.40 0.90
0.70
0.95 0.90
0.90
0.85 0.90 -
0.90 -
0.05 0.05
0.05 -
0.05
0.95 0.45 0.50
0.45 0.50
0.40
0.40
Fixed interest funds
High yield bond SE Baillie Gifford High Yield Bond SE High Yield Corporate Bond SE Kames High Yield Bond International bond SE BlackRock Fixed Income Global Opportunities SE EdenTree Higher Income Aegon Investec Emerging Markets Local Currency Debt SE Investec Global Bond SE J.P.Morgan Global (ex UK) Bond
0.65
SE Newton International Bond SE Old Mutual Global Strategic Bond SE Overseas Bond Overseas Corporate Bond Tracker Overseas Government Bond Tracker SE PIMCO Select Global Bond SE Templeton Global Total Return Bond SE Threadneedle Global Bond
0.60
-
0.60 0.85 0.90 0.60 0.55 0.60 0.70 0.75 0.70
-
0.05 0.65
Investment type / fund name Fixed interest funds continued UK corporate bond SE BlackRock Aquila Corporate Bond Index-All Stocks SE BlackRock Aquila over 15 years Corporate Bond Index Corporate Bond Tracker SE Fidelity MoneyBuilder Income SE Invesco Perpetual Corporate Bond
Additional disclosable charges/expenses StakePension Life holder
-
-
-
-
0.60 0.80 0.60 0.45 0.65
-
-
UK Long Corporate Bond UK gilt SE BlackRock Aquila over 15 years UK Gilt Index SE Henderson UK Gilt Long Gilt UK Gilts All-Stocks Tracker
-
-
-
-
0.50 -
-
-
-
-
-
-
-
UK Government Bond UK index-linked bond SE BlackRock Aquila over 5 years UK Index-Linked Gilt Index Index-Linked Gilt Tracker Index-Linked UK strategic bond
0.60 0.45
0.70 0.60 -
-
0.75
SE Artemis Strategic Bond SE Fidelity Extra Income SE Fidelity Strategic Bond SE Henderson Strategic Bond
0.60 0.85 0.70 0.60
SE Kames Strategic Bond SE Legal & General Dynamic Bond SE M&G Optimal Income SE M&G Strategic Corporate Bond
0.60 0.80 0.80 0.65
SE Schroder Strategic Credit
0.65
Fund information as at May 2016
Global property SE Schroder Global Property Securities UK property SE Legal & General UK Property
0.80
SE Kames Investment Grade Bond SE Kames Sterling Corporate Bond SE M&G Corporate Bond SE PIMCO Select UK Corporate Bond SE Schroder UK Corporate Bond UK Corporate Bond UK Corporate Bond Select Portfolio UK Fixed Interest
Investment type / fund name Property funds
-
-
-
0.60
SE M&G Property Portfolio Property Select Portfolio Property SE Threadneedle UK Property Trust Absolute Return funds SE Absolute Insight Emerging Markets Debt† SE Absolute Insight Equity Market Neutral† SE BlackRock UK Absolute Alpha† SE Fulcrum Alternative Beta Plus Daily SE Henderson UK Absolute Return SE Newton Real Return
SE Sarasin EquiSar IIID† SE Schroder Absolute Return Bond† SE SLI Global Absolute Return Strategies Aegon Stability SE Threadneedle Absolute Return Bond SE UBS Targeted Return
Additional disclosable charges/expenses StakePension Life holder
0.90
0.90
0.80 1.10 0.85 0.40
0.40
0.75
1.20 1.05 0.90
0.90
1.15 0.95 0.80 1.00 0.65 0.85 0.82 0.65 0.90
0.90
SE BlackRock Gold & General SE First State Global Resources
1.05 0.85
1.05
SE Investec Global Energy SE J.P.Morgan Natural Resources
0.90 0.95
Commodity/Energy funds
Cash funds Active cash (closed to new investors) Cash
0.95
-
-
-
-
-
Important notes Any additional charges/expenses we disclose for our funds are estimated. Although the majority is made up of an agreed management fee, the expenses element depends on the actual expenses incurred by the underlying funds, so what you actually pay may vary slightly. †
The additional charge/expenses for this fund include a performance fee that will rise and fall depending on performance day to day-so the charge you pay may vary significantly from the figure quoted here and in the fund factsheet, which is based on recent past performance. Please refer to the 'Funds' section of our website, for more details. The additional charges/expenses for the Select Sector Portfolios and Select Risk Profile Portfolios may change when funds are replaced, added or removed from the portfolio or weightings between funds are changed. We'll update our literature to reflect any changes as quickly as possible but there may be a period when it doesn't show the current charges. You should check the 'News’ section of our website for details of any changes. The additional charges/ expenses can vary depending on the expenses incurred by the underlying funds, which is outwith our control. This means we may have to change the charges/ expenses we disclose without letting you know in advance.
