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You may not be able to access","page_number":4,"box":{"x":510,"y":338,"width":433,"height":10}},{"id":"c0fc84d2-7d2b-4257-89e9-6ecf4c02b239","block_type":"box","text":"your money during this time.","page_number":4,"box":{"x":510,"y":350,"width":168,"height":10}},{"id":"8a4f9c50-1bcd-481e-8972-19c92e171080","block_type":"box","text":"· Property valuations are made by independent valuers, but effectively they","page_number":4,"box":{"x":510,"y":373,"width":438,"height":9}},{"id":"388cdbe4-e7b5-4dea-984a-82a3e98fee90","block_type":"box","text":"remain a matter of judgement and opinion.","page_number":4,"box":{"x":511,"y":385,"width":253,"height":10}},{"id":"ed886092-a23e-4708-bafc-596be0aa916b","block_type":"box","text":"· Property transaction costs are high due to legal costs, valuation costs and","page_number":4,"box":{"x":510,"y":407,"width":444,"height":10}},{"id":"e3b489f8-009b-4179-82f0-4a2e36327165","block_type":"box","text":"stamp duty, all of which affect the value of a fund.","page_number":4,"box":{"x":510,"y":420,"width":296,"height":9}},{"id":"1fe4569c-2f29-4da9-a446-6709d0a215d6","block_type":"box","text":"I - H i g h Y i e l d B o n d s : T h e s e a r e i s s u e d b y c o m p a n i e s a n d","page_number":4,"box":{"x":511,"y":442,"width":413,"height":10}},{"id":"a84e27bd-a795-48de-a9e4-ef1dee1fba39","block_type":"box","text":"g o v e r n m e n t s t h a t h a v e a l o w e r c r e d i t r a t i n g .","page_number":4,"box":{"x":511,"y":454,"width":328,"height":10}},{"id":"a56f129f-8e47-44c1-a1c8-038363fc31e7","block_type":"box","text":"When a fund","page_number":4,"box":{"x":844,"y":454,"width":74,"height":8}},{"id":"1612679d-8731-40f4-9e95-60d34760edc9","block_type":"box","text":"invests substantially in high yield bonds, there’s a higher risk that the bond","page_number":4,"box":{"x":510,"y":467,"width":441,"height":9}},{"id":"3d666847-2e38-4448-bf2a-584d2167c19e","block_type":"box","text":"issuer might not be able to pay interest or return the capital that was","page_number":4,"box":{"x":510,"y":479,"width":405,"height":9}},{"id":"784cb2ec-2bdd-4b0c-a9a0-b17545b4121f","block_type":"box","text":"invested. 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You may not be able to access your money","page_number":4,"box":{"x":510,"y":528,"width":415,"height":10}},{"id":"933e2b01-3194-4d3b-b177-272e0a7f496d","block_type":"box","text":"during this period.","page_number":4,"box":{"x":510,"y":540,"width":108,"height":10}},{"id":"8dd66569-f490-4345-a13d-f633ee1eaf08","block_type":"box","text":"J - R e i n s u r e d F u n d s :","page_number":4,"box":{"x":511,"y":563,"width":147,"height":7}},{"id":"476c0917-afa5-4d82-9d7c-de02d57b0eff","block_type":"box","text":"Where a fund invests in a fund that’s operated by","page_number":4,"box":{"x":663,"y":563,"width":290,"height":9}},{"id":"903d5662-c955-46dd-8520-b1892f04b5ce","block_type":"box","text":"another insurance company, you could lose some or all of the value of your","page_number":4,"box":{"x":511,"y":575,"width":442,"height":9}},{"id":"305f2651-dd88-437a-9a29-15be02dd60c4","block_type":"box","text":"investment in the fund if the other insurance company became insolvent.","page_number":4,"box":{"x":510,"y":587,"width":427,"height":10}},{"id":"9806a9cf-5f05-4b5c-b2ee-b1d0c1752e5d","block_type":"box","text":"K - L o n g - Te r m A s s e t F u n d s :","page_number":4,"box":{"x":511,"y":610,"width":198,"height":9}},{"id":"4ff5ab76-2be9-4f8e-9a30-46cbb73a23a9","block_type":"box","text":"The fund invests partly in one or more","page_number":4,"box":{"x":714,"y":610,"width":223,"height":9}},{"id":"3c6103ab-a148-4b06-8f85-8c1ffc16e20a","block_type":"box","text":"long-term asset funds (LTAFs), giving access to sectors such as","page_number":4,"box":{"x":511,"y":622,"width":368,"height":10}},{"id":"ff5b93a3-34f6-48f9-bd51-c39099997e5f","block_type":"box","text":"infrastructure, venture capital, private equity and debt investments. LTAFs","page_number":4,"box":{"x":510,"y":634,"width":430,"height":10}},{"id":"c7c1198a-e70e-41a9-8760-ca2c4c7d2c1e","block_type":"box","text":"add diversity to the fund, but it takes longer to move money out of them","page_number":4,"box":{"x":511,"y":646,"width":422,"height":10}},{"id":"6d73b96d-4a2d-4459-8e13-a278347a3250","block_type":"box","text":"than from many types of asset. This could mean that in exceptional","page_number":4,"box":{"x":510,"y":659,"width":398,"height":9}},{"id":"9697b0bf-1243-478b-9a9d-0498ca8531d3","block_type":"box","text":"circumstances cashing-in or switching your investment in the fund may","page_number":4,"box":{"x":510,"y":671,"width":420,"height":10}},{"id":"44e46f17-49ba-42a1-9660-7e24d618a343","block_type":"box","text":"need to be delayed. To reduce this risk, we set strict limits on how much of","page_number":4,"box":{"x":511,"y":683,"width":431,"height":10}},{"id":"78496779-4483-45bf-b323-0ee95ea600f9","block_type":"box","text":"the fund can be invested in LTAFs and monitor this closely.","page_number":4,"box":{"x":510,"y":696,"width":341,"height":9}},{"id":"b0f0ce2c-389d-4f2a-b5e0-5e16fad536ac","block_type":"box","text":"Charges explained","page_number":4,"box":{"x":512,"y":720,"width":203,"height":16}},{"id":"b8820238-4273-4707-84a0-a2def9da8d00","block_type":"box","text":"A n n u a l M a n a g e m e n t C h a r g e ( A M C )","page_number":4,"box":{"x":510,"y":751,"width":255,"height":10}},{"id":"0ecc799b-f6a6-42a4-bf01-89f8d2d277d0","block_type":"box","text":"– the annual fee, expressed as a","page_number":4,"box":{"x":770,"y":751,"width":186,"height":9}},{"id":"f2c95444-226a-44a8-b65d-ca6f2ecc2edb","block_type":"box","text":"percentage, which is charged by the product provider. 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The value is an","page_number":4,"box":{"x":510,"y":823,"width":421,"height":9}},{"id":"5d88ce34-db85-4cee-821d-1d95ffc2f131","block_type":"box","text":"indicative figure, which is reviewed regularly and can change. 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Registered office: Aviva, Wellington Row, York, YO90 1WR.","page_number":4,"box":{"x":231,"y":914,"width":534,"height":9}},{"id":"38399611-0dc1-44d0-8875-5e670e75aec6","block_type":"box","text":"Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.","page_number":4,"box":{"x":82,"y":926,"width":831,"height":10}},{"id":"39df9d79-4fb9-43cc-a956-793626aca4e6","block_type":"box","text":"Firm Reference Number 185896.","page_number":4,"box":{"x":409,"y":938,"width":178,"height":8}},{"id":"f1e01472-57eb-49d0-b0bd-8c1a93b16f75","block_type":"box","text":"Calls to Aviva may be recorded. www.aviva.co.uk.","page_number":4,"box":{"x":356,"y":951,"width":284,"height":9}}],"unit":"per_mille","page_width":595,"page_height":842,"attributes":{"chunk_type":"page_range","start_page":1,"end_page":4}},"source":{"type":"Model","id":"github:dorsalhub/pdf-extractor","version":"0.4.0","execution_id":"78d4cdc4-bea0-44ed-af7d-8fb31fe8bd1a"},"user_id":1000227,"date_created":"2026-06-29T18:30:22.970000Z","date_modified":"2026-07-17T08:59:54.027000Z","private":false}