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You may not be able to access","page_number":4,"box":{"x":510,"y":359,"width":433,"height":10}},{"id":"31115064-6d38-41be-ae69-9f2ea13e5769","block_type":"box","text":"your money during this time.","page_number":4,"box":{"x":510,"y":372,"width":168,"height":9}},{"id":"edc37556-4cb1-455d-b187-f8c4c83f9782","block_type":"box","text":"· Property valuations are made by independent valuers, but effectively they","page_number":4,"box":{"x":510,"y":394,"width":438,"height":9}},{"id":"7d997ccf-8527-4e60-980a-5ea1fc2c1d3e","block_type":"box","text":"remain a matter of judgement and opinion.","page_number":4,"box":{"x":511,"y":406,"width":253,"height":10}},{"id":"dc7243b9-bae2-472e-b6ab-227709501aa3","block_type":"box","text":"· Property transaction costs are high due to legal costs, valuation costs and","page_number":4,"box":{"x":510,"y":429,"width":444,"height":9}},{"id":"a635b7c6-b213-4c4d-87de-59babdf30532","block_type":"box","text":"stamp duty, all of which affect the value of a fund.","page_number":4,"box":{"x":510,"y":441,"width":296,"height":9}},{"id":"bcde383d-ac15-4212-8550-c993bcd9e41e","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":463,"width":413,"height":10}},{"id":"a7c3abb3-3b41-4f79-86c9-1a391dd74cb0","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":476,"width":328,"height":9}},{"id":"59b39fb3-90e6-4523-b9be-88e216e4a8ca","block_type":"box","text":"When a fund","page_number":4,"box":{"x":844,"y":475,"width":74,"height":8}},{"id":"0dc74f71-0afd-4f9d-9d5a-b3ed922a46e1","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":488,"width":441,"height":9}},{"id":"84323fa5-3b91-4d01-a548-fd1bcd211173","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":500,"width":405,"height":10}},{"id":"4c3e6633-c3c7-4a6f-a0d0-3110e7e0bf6d","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":549,"width":415,"height":10}},{"id":"171c377f-9b0d-4ea6-9f0c-21e5cc409456","block_type":"box","text":"during this period.","page_number":4,"box":{"x":510,"y":562,"width":108,"height":9}},{"id":"eaa00e8d-1539-4fc8-9787-6c0d53a026e1","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":584,"width":147,"height":7}},{"id":"a8999760-28f4-4c88-b4b2-9ec6313c5256","block_type":"box","text":"Where a fund invests in a fund that’s operated by","page_number":4,"box":{"x":663,"y":584,"width":290,"height":9}},{"id":"a3218f11-17a9-4b06-8ba1-1b1e013906aa","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":596,"width":442,"height":10}},{"id":"00bf34a7-4c38-4ee9-9538-585461926ab9","block_type":"box","text":"investment in the fund if the other insurance company became insolvent.","page_number":4,"box":{"x":510,"y":608,"width":427,"height":10}},{"id":"49468902-e057-4f45-99e5-166beda1cd0d","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":631,"width":198,"height":9}},{"id":"09d8f34d-3ca8-440b-9110-6bfadf10b646","block_type":"box","text":"The fund invests partly in one or more","page_number":4,"box":{"x":714,"y":631,"width":223,"height":9}},{"id":"75c81c94-f97a-4c55-8c36-0e7cb7c05941","block_type":"box","text":"long-term asset funds (LTAFs), giving access to sectors such as","page_number":4,"box":{"x":511,"y":643,"width":368,"height":10}},{"id":"821a3394-8fc7-45c6-aeac-7c7d43c121b7","block_type":"box","text":"infrastructure, venture capital, private equity and debt investments. LTAFs","page_number":4,"box":{"x":510,"y":655,"width":430,"height":10}},{"id":"7922e242-697c-46ca-b7d3-cc02282e18d8","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":668,"width":422,"height":9}},{"id":"bd4d9a40-13f1-430e-945a-b7c2154d0348","block_type":"box","text":"than from many types of asset. This could mean that in exceptional","page_number":4,"box":{"x":510,"y":680,"width":398,"height":10}},{"id":"da8be200-d5db-460f-8623-391edc0a481f","block_type":"box","text":"circumstances cashing-in or switching your investment in the fund may","page_number":4,"box":{"x":510,"y":692,"width":420,"height":10}},{"id":"e1927ae4-928c-437b-8acd-6c6e2edc8171","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":705,"width":431,"height":9}},{"id":"a4237bf0-1a26-4625-901d-6cc5ca284656","block_type":"box","text":"the fund can be invested in LTAFs and monitor this closely.","page_number":4,"box":{"x":510,"y":717,"width":341,"height":9}},{"id":"2a95615c-b28a-463a-b3f3-f520c5715e67","block_type":"box","text":"Charges explained","page_number":4,"box":{"x":512,"y":741,"width":203,"height":16}},{"id":"62c4dd2d-05ab-4be0-a936-23628d40e553","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":772,"width":255,"height":10}},{"id":"e3d26c93-9b56-4680-8d36-d0efb1a23a95","block_type":"box","text":"– the annual fee, expressed as a","page_number":4,"box":{"x":770,"y":772,"width":186,"height":10}},{"id":"03b5550e-201f-497c-84a9-5ff35280877b","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":844,"width":421,"height":9}},{"id":"7bc65b7a-a1e3-401f-9d9d-f3df403017ff","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":"736f5daf-edda-4702-9780-ca39e509e234","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":"4b66021c-9753-4920-a9f9-fa9bac34901a","block_type":"box","text":"Firm Reference Number 185896.","page_number":4,"box":{"x":409,"y":938,"width":178,"height":8}},{"id":"e41ecfd3-fa55-4334-a1f5-3ec4d9aa968e","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":"c0966d32-5599-47fd-9b5e-e22d0249ce61"},"user_id":1000227,"date_created":"2026-06-29T18:30:54.626000Z","date_modified":"2026-07-17T09:00:01.181000Z","private":false}