Investment Control from AEGON Scottish Equitable

What type of guarantees does the Protected Investment Option offer?

It offers a money-back guarantee on death from day one, and a money-back guarantee on cash in from year five onwards. If withdrawals are taken, this will reduce the guarantees.

Is there any scope for the value of the guarantees to increase?

From the tenth anniversary of the investment, and every five years after that, if the fund value is greater than the amount invested less any withdrawals, this will be set as the new higher guaranteed amount.

If the Protected investment option isn’t selected at the outset, can it be added later?

No. It can only be selected when the bond is set up.

What fund choice is available with the Protected investment option?

• Core portfolios - a mixture of our UK Fixed Interest fund and the UK Index Tracker fund
• Multi-manager portfolios - a mixture of equities selected by Morningstar from our life fund range and the UK Fixed Interest fund
• Create range - a group of sector funds from some of the leading funds managers, including a Cash fund to lock in gains.