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Page 1 of 2
KEY INVESTOR INFORMATION
This document provides you with key investor information about this Fund. It is not marketing material. The information is re quired by law to help you understand the nature and the risks of investing in this Fund. You are advised to read it so you can make an informed decision about whether to invest. ReturnPlus Fund , Class I , Accumulation shares shares, USD, a sub - fund of Aviva Investors (ISIN: LU3087672138). The Fund is managed by Aviva Investors Luxembourg S.A. OBJECTIVES AND INVESTMENT POLICY
Objective : To achieve a 0.75% per annum gross return above the Secured Overnight Financing Rate (SOFR) over a three - year rolling period, regardless of market conditions. Investment Policy : Core Investments: The Sub - Fund invests mainly in bonds from anywhere in the world. Specifically, the Sub - Fund invests at least 80% in bonds of government, and corporate bonds (including but not limited to bonds of governmental, quasi - governmental, supranational, bank or corporate issuers anywhere in the world, including up to 30% in emerging markets) rated between AAA and A by Standards and Poor’s and Fitch and between Aaa and A2 by Moody’s. Bond investments may include mortgage - backed securities (MBS) and asset▫backed securities (ABS) subject to the rating restrictions discussed a bove. These bonds may be secured on residential, consumer or corporate loans, among other asset types. The Sub - Fund may invest up to 20% of total net assets in securitisation, including ABS/MBS (excluding ancillary liquid assets, eligible deposits, money m arket instruments and money market funds). For full details of the risks applicable to investing in these securities, please refer to section “Risk Descriptions”. The Sub - Fund may invest in floating rates notes and units of UCITS or other UCIs. For liquidi ty management purposes, the Sub - Fund may also hold ancillary liquid assets within the meaning of point 9 listed under “Permitted Securities and Transaction” of section “General Investment Restrictions and Eligible Assets for UCITS Fund”. For the same purpo ses, the Sub - Fund may also invest on an ancillary basis in eligible deposits within the meaning of point 8 of the same section referred to above, money market instruments or money market funds. Sustainability Disclosures : This Sub - Fund promotes environment al and social characteristics however does not have a sustainable investment objective. To be eligible for investment, all investments that are selected as part of the Investment Manager’s ESG analysis must follow good governance practices and not be exclu ded by the Investment Manager’s ESG Baseline Exclusions Policy. It may however not be possible to perform ESG analysis on cash, derivatives and other third - party collective investment schemes. The Investment Manager actively engages with companies and uses voting rights with the aim of positively influencing company behaviour and helping to create competitive returns. The Investment Manager integrates qualitative and quantitative data
on adverse sustainability impacts into its investment processes. Whilst t he Sub Fund may invest in underlying investments that contribute to climate change mitigation and/or climate change adaptation, the Sub - Fund does not make any minimum commitment to invest in one or more environmentally sustainable investments. The ESG anal ysis and considerations described are incorporated into the investment process but may not always have a material impact on investments in the Sub - Fund. For detailed information on the impact of the ESG analysis on the Sub - Fund’s benchmark at a point in ti me, please see the website www.avivainvestors.com. Further information regarding how the Investment Manager integrates ESG into its investment approach (including information on its ESG Baseline Exclusions Policy) and how it engages with companies is avail able in the Responsible Investment Philosophy section and on the website www.avivainvestors.com. Further details can also be found in the Annex II – Precontractual Disclosure of the Funds Prospectus. Derivatives and Techniques : The Fund may use derivatives for hedging and for efficient portfolio management. The Fund’s derivatives may include futures, swap contracts, total return swaps and currency forwards. For maximum derivative thresholds and expected levels of investment, please refer to the Funds Prospe ctus. Benchmark (performance comparison) : The Fund's performance is compared against the Secured Overnight Financing Rate (SOFR) (the “Benchmark” or the “Index”), which has been chosen as the market standard indicator of the risk free rate of return. The S ub - Fund is actively managed. However, the reference benchmark is not aligned with all of the environmental or social characteristics promoted by the Sub - Fund. Other information: You can buy and sell shares on demand on any full bank business day in Luxembo urg. Recommendation: this Fund may not be appropriate for investors who plan to withdraw their money within 5 years. This is an accumulation share class and any income from the Fund will remain in the Fund and is reflected in the share price. For full investment objectives and policy details please refer to the Prospectus.
RISK AND REWARD PROFILE
1 2 3 4 5 6 7
Lower risk Higher risk Typically lower rewards Typically higher rewards This indicator is based on historical data, calculated using European Union rules, and may not be a reliab le indication of the future risk profile of the Fund. The risk and reward category shown is not guaranteed to remain unchanged and may change over time. The lowest category does not mean that the investment is 'risk free'. The value of investments and the income from them will change over time. The Fund price may fall as well as rise and as a result you may not get back the original amount you invested. The Fund has been allocated a risk number based on the historic volatility of its share price or where in sufficient information is available appropriate asset classes. Counterparty risk: The Fund could lose money if an entity with which it does business becomes unwilling or is unable to meet its obligations to the Fund. Credit and Interest Rate Risk: Bond val ues are affected by changes in interest rates and the bond issuer's creditworthiness. Bonds that offer the potential for a higher income typically have a greater risk of default.
Derivatives risk: Derivatives are instruments that can be complex and highly volatile, have some degree of unpredictability (especially in unusual market conditions), and can create losses significantly greater than the cost of the derivative itself. Emerging Markets Risk: Investments can be made in emerging markets. These markets may be volatile and carry higher risk than developed markets. Investment Risk & Currency Risk: The value of an investment and any income from it can go down as well as up and can fluctuate in response to changes in currency and exchange rates. Investors ma y not get back the original amount invested. Liquidity Risk: Any type of security that is not publicly traded (such as Rule 144A Securities) may be hard to value, and may be hard to sell at a desired time and price, especially in any volume. Market Risk: P rices of many securities (including bonds, equities and derivatives) change continuously, and can at times fall rapidly and unpredictably. Sustainability risk: The level of sustainability risk may fluctuate depending on which investment opportunities the Investment Manager identifies. This means that the fund is exposed to Sustainability Risk which may impact the value of investments over the long term. Full information on the risks applicable to the Fund is detailed in the Prospectus.
Page 2
Page 2 of 2 This key investor information is accurate as at 26 February 2026
One - off charges taken before or after you invest* Entry charge None Exit charge None Charges taken from the Fund over a year Ongoing charges 0.20% Charges taken from the Fund under certain specific conditions Performance fee None *This is the maximum that might be taken out of your money before it is invested / before the proceeds of your investment are paid out. The charges you pay are used to pay the costs of running the Fund, including the costs of marketing and distributing it . These charges reduce the potential growth of your investment.
The entry and exit charges shown are maximum figures. In some cases (including when switching to other funds or share classes in Aviva Investors) you might pay less – you can find the actual entry and exit charges from your financial adviser/distributor. The ongoing charges figure shown here for this new share class is an estimate of the charges. The UCITS annual report for each financial year will include detail on the exact charges. The fig ure for ongoing charges excludes performance fees and portfolio transaction costs, except in the case of an entry/exit charge paid by the Fund when buying or selling units in another collective investment undertaking. A switching charge of up to 1% may be applied when switching to other funds or share classes in Aviva Investors. For more information about charges, including a full explanation of any performance fee (if applicable) please see the charges sections of the Fund's Prospectus.
PAST PERFORMANCE
Share Class
Secured Overnight Financing Rate (SOFR)
2021 2022 2023 2024 2025
Past performance is no guide to future performance. The past performance shown in the chart opposite takes into account all charges exc ept entry charges. The Share Class was launched on 07 July 2025. Performance is calculated in the Share Class currency which is USD. Source: Aviva Investors/Morningstar as at 31 December 2025.
PRACTICAL INFORMATION
BNY Mellon, Asset Servicing, 2 - 4, rue Eugène Ruppert - L - 2453 Luxembourg Other information on Aviva Investors, copies of its Prospectus and of its latest annual and semi - annual reports, may be obtained free of charge, in English, from Aviva Investors Luxembourg S.A., 2 rue du Fort Bourbon, Luxembourg, L 1249, or from the websi te www.avivainvestors.com where the latest available price of shares in the Fund and information on how to buy/sell shares can also be accessed. The Transfer Agent for this fund is BNY Mellon, Transfer Agency Lux, Asset Servicing, 2 - 4, rue Eugène Ruppert - L - 2453 Luxembourg. You may switch between other funds or share classes in Aviva Investors subject to provisions of the Section "Investing in the Sub - Funds" of the Prospectus. Aviva Investors is subject to the tax laws and regulations of Luxembourg. This m ight have an impact on your personal tax position that you should verify with a tax advisor in your country of residence. Aviva Investors is an open ended investment company organised as a Société d'Investissement à Capital Variable (SICAV) with several su b - funds. This key investor information document describes one sub - fund of the SICAV. The
liabilities of each fund are segregated and the assets of this Fund will not be used to pay debts of other funds. Aviva Investors Luxembourg S.A. may be held liable so lely on the basis of any statement contained in this document that is misleading, inaccurate or inconsistent with the relevant parts of the Prospectus of the Fund. The details of the up - to - date remuneration policy of the Management Company, including the c omposition of its remuneration committee, a description of the key remuneration elements and an overview of how remuneration is determined, are available on the website www.avivainvestors.com. A paper copy of the remuneration policy can be made available u pon request and free of charge at the Management Company's registered office. The Representative and Paying Agent in Switzerland is BNP Paribas, Paris, Zurich branch, Selnaustrasse 16, 8002 Zurich, Switzerland. The Prospectus, the Key Investor Information Documents (KIIDs), the Articles of Incorporation as well as the Annual and Semi - Annual Reports may be obtained free of charge from the Representative in Switzerland. The Sub - Fund launched on 07 July 2025, is authorised in Luxembou rg and supervised by Commission de Surveillance du Secteur Financier. The Management Company is authorised in Luxembourg and supervised by the Commission de Surveillance du Secteur Financier.
0
0.2
0.4
0.6
0.8
1
1.2
There is insufficient data to provide a useful indication of past performance.
Return %
CHARGES
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...