Your customer dashboard

  • A single view of all your investments held with us, and online access to everything you need relating to them.
  • Track your portfolio, as well as being able to purchase products, top up and switch funds online.
  • Access to a new general investment account (GIA), where any unit trusts/open ended investment company funds (OEICS) you’re invested in will be held. This also has a cash facility that replaces your IPS Cash account.

Help with your IPS account

If you’d like more information about IPS or have any queries about your account, contact us on 0845 604 4001. (Lines open Monday-Friday 8:30am-5:30pm) Calls may be recorded for your protection and to improve our services.

Ways to save with IPS

mother and daughter looking at laptop

Aegon GIA

A GIA is a medium to long-term (at least five years, ideally longer) investment that could be a good option if you’ve used up your ISA allowance and don’t want to lock your money away in a pension. You have access to a range of investment opportunities and you can invest a regular monthly amount, a lump sum – or both.

  • Our Aegon GIA gives you access to unit trust and OEIC funds. These are forms of collective investments.
  • Collective investments allow you to put money together with other investors’ money in large-scale funds.

Your tax position will depend on your personal circumstances. Investments held in your GIA might be subject to income, capital gains and inheritance tax. If you sell or switch your investments this may give rise to a capital gains tax liability. Tax will be  taken at the basic rate from any accrued interest held in your cash facility. We'll pay this to HMRC - you might have an additional tax liability depending on your marginal rate of tax. This information is based on our understanding of current, taxation law and HMRC practice, which may change.

man and dog in car

Aegon ISA

The Aegon ISA is a stocks and shares ISA and is a tax-efficient way to save for the medium to long term of at least five years, ideally longer. You have access to a range of investment opportunities and can invest a regular monthly amount, a lump sum – or both.

  • Allows you to put your money in unit trusts and OEICs, which in turn invest in different types of assets like shares, commercial property and fixed interest securities.
  • ISAs are tax efficient. You have no personal liability to income tax or capital gains tax on any money you take from an ISA.
  • There are limits to the amount of money you can pay into an ISA every year. The limit for ISAs for the 2019/20 tax year is £20,000.

The value of an ISA will be directly linked to the performance of the funds you select and may fall as well as rise. You may get back less than you invest. An investment in a stocks and shares ISA doesn't provide the same security of capital associated with a cash ISA. The favourable tax treatment of ISAs may not be maintained in the future and is subject to changes in legislation.

The value of an investment and any income you take from it can fall as well as rise and you may get back less than you invest.

Each unit trust and OEIC fund has its own risks detailed in the individual Key Investor Information Documents (KIID). Before you invest, you must read these documents.

What to consider

We’ve listed some considerations that may help you decide if investing in the Aegon GIA or Aegon ISA is right for you.

Consider if:

  • you’re prepared to put your capital at risk;
  • you’re prepared to invest for the medium to long term, of at least five years, ideally longer;
  • you want to spread the risk by investing in a diversified portfolio of investments;
  • you want access to a researched panel of funds;
  • you’d like the ability to view existing investments in one place, and
  • you want the freedom to switch your funds at any time.

Investments available through IPS

With a panel of around 30 funds from a range of fund managers, IPS offers a selection of investment opportunities. Our fund research centre will show the funds available to you. As an IPS customer, you should select ‘Advanced search’ and choose 'Investor Portfolio Service' from the category drop down.

Financial advice

If you decide that you’d like some extra help with your investments and savings, an intermediary may be the right option for you. If you don't already have one, you can find out more about the services provided here.

Help with your IPS account

If you’d like more information about IPS or have any queries about your account, contact us on 0845 604 4001. (Lines open Monday-Friday 8:30am-5:30pm) Calls may be recorded for your protection and to improve our services.

For advice as to whether a fund or investment is suitable for you, please speak to a financial adviser.