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You may not be able to access","page_number":4,"box":{"x":510,"y":359,"width":433,"height":10}},{"id":"c60ff9e0-ba2f-4fe4-8c16-92bcb8f7b832","block_type":"box","text":"your money during this time.","page_number":4,"box":{"x":510,"y":372,"width":168,"height":9}},{"id":"0ab04d41-adc8-4b31-bed2-dbc63de33916","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":"f393a1f7-f6bf-40bc-b48d-03b8e82a240b","block_type":"box","text":"remain a matter of judgement and opinion.","page_number":4,"box":{"x":511,"y":406,"width":253,"height":10}},{"id":"aefcf95d-b204-4f32-858c-7b6f33129640","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":"512c6a0e-b34c-42fa-b417-b4ae23aa3968","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":"67d869be-fa6c-43d3-8288-adf07b363751","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":"b584e5b4-40c8-46ae-ac74-230e3e092645","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":"18017453-8c93-4575-8f02-adf2fe03c631","block_type":"box","text":"When a fund","page_number":4,"box":{"x":844,"y":475,"width":74,"height":8}},{"id":"eb21cee0-9204-41ed-be4e-fb386f88d968","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":"f21b4e70-9637-4094-9cf0-0ab53d1f9871","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":"09376fe9-48c0-4277-87c7-6086282e15d6","block_type":"box","text":"invested. The value of these bonds is also more greatly affected by economic","page_number":4,"box":{"x":510,"y":512,"width":449,"height":10}},{"id":"555320e2-1054-4a3b-a7d5-2b12662ac9ac","block_type":"box","text":"conditions and interest rate movements. There may be times when it’s not","page_number":4,"box":{"x":510,"y":525,"width":431,"height":9}},{"id":"59b9bcb3-cd00-47bf-9027-4f2671454545","block_type":"box","text":"easy to buy or sell these bonds, so cashing-in or switching your investment","page_number":4,"box":{"x":510,"y":537,"width":441,"height":10}},{"id":"c8c61a23-ab09-41a7-9a3b-e999bc93df58","block_type":"box","text":"in the fund may be delayed. You may not be able to access your money","page_number":4,"box":{"x":510,"y":549,"width":415,"height":10}},{"id":"35a52405-139f-4e43-adab-94d5eba1d569","block_type":"box","text":"during this period.","page_number":4,"box":{"x":510,"y":562,"width":108,"height":9}},{"id":"75f7891b-93a6-4466-884a-b3f01627b00b","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":"940832c7-9e2f-4cc8-92ed-57c2e5e88d04","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":"2587a405-d99a-4d02-8f3a-6de0e5094286","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":"f056048e-8f25-470c-a05d-7ee6b3f849df","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":"f19954bc-58f3-4570-9d01-2402e0b9ecf5","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":"83a0aba3-55ec-45a3-a542-2b51f9556a53","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":"7a66ab18-5d55-400c-b31d-88e0f87bfcf1","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":"3e16ce87-efbf-4578-8e30-cc8299df9308","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":"f1fa06b9-ff34-4c64-9206-9a4279f20117","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":"3d9feead-1415-4c0d-a245-b611e1c130a4","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":"b76090ba-cc90-4bbc-9753-8c7954bdec7d","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":"f6b42e70-8ff7-4229-8cbb-ff4b70d9bf56","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":"bb4a2ec1-21fc-4940-9843-dbd16e0e2bce","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":"eb26b7c6-6273-4df6-86de-df6f0073168b","block_type":"box","text":"Charges explained","page_number":4,"box":{"x":512,"y":741,"width":203,"height":16}},{"id":"784f0c36-261e-403a-8fc5-1c7c94b00b4e","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":"8a07635e-778e-4b17-8524-900c67bb2666","block_type":"box","text":"– the annual fee, expressed as a","page_number":4,"box":{"x":770,"y":772,"width":186,"height":10}},{"id":"a98649d9-a089-4dfb-8aff-e1e8c906c270","block_type":"box","text":"percentage, which is charged by the product provider. This covers both the","page_number":4,"box":{"x":511,"y":785,"width":436,"height":9}},{"id":"25f2da95-fb4c-4204-86ea-eb90ff05f095","block_type":"box","text":"costs of running the fund and any product charges which may be","page_number":4,"box":{"x":510,"y":797,"width":387,"height":9}},{"id":"e589b802-4280-4bb5-8c1a-23b5154d1741","block_type":"box","text":"applicable.","page_number":4,"box":{"x":511,"y":809,"width":63,"height":10}},{"id":"3ebaddf0-a38f-4032-a7e3-374c746fc84c","block_type":"box","text":"A d d i t i o n a l E x p e n s e s –","page_number":4,"box":{"x":510,"y":832,"width":161,"height":9}},{"id":"f15a250e-13a0-4655-9d13-d083df4afe9f","block_type":"box","text":"charged by the fund managers to cover","page_number":4,"box":{"x":676,"y":831,"width":232,"height":10}},{"id":"910a4cd0-0dab-4ae7-b46c-170eb011bf18","block_type":"box","text":"expenses, such as fees to auditors, trustees and valuers. The value is an","page_number":4,"box":{"x":510,"y":844,"width":421,"height":9}},{"id":"84ba263b-7afb-40a3-9a42-54de4d10807f","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":"679861c3-e56e-486b-ad83-d68d65162f8e","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":"8d6bf774-2ccc-4a68-9bbb-fea20cb0642b","block_type":"box","text":"Firm Reference Number 185896.","page_number":4,"box":{"x":409,"y":938,"width":178,"height":8}},{"id":"a9d702d0-1d08-4d85-b0a4-8b0eb31e8e5a","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":"01e6f0a9-ec48-4d05-b0fc-602c00c37654"},"user_id":1000227,"date_created":"2026-06-29T18:30:54.626000Z","date_modified":"2026-06-29T18:30:54.626000Z","private":false}