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Page 1 of 2
NON - UCITS RETAIL SCHEME
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. AI Balanced Life Fund, UK Corporate Distribution Units, a sub - fund of the Aviva Investors Funds ACS (AIF ACS) (ISIN: GB00BTF89596). This fund is managed by Aviva Investors UK Fund Services Limited. OBJECTIVES AND INVESTMENT POLICY
Objective: The Sub - Fund aims to grow your investment over the long term (5 years or more), through a combination of capital and income returns, and aims to outperform the Composite Benchmark Index by 1.25% (average annualised returns, before the deduction of charges and taxes, measured over rolling 5 - year periods). Core investment: : The Sub - Fund invests in a broad range of global asset classes (including emerging markets) that may include shares, bonds issued by companies or governments (which can be investment grade and sub - investment grade), cash, and alternative strategies (such as commodities, real estate, hedge funds, alternative risk premia, and absolute return strategies). Exposure to alternative strategies will be gained through investment in other funds (including funds managed by Aviva Investors companies or the Investment Manager). Exposure to the other asset classes will be gained through investment in other funds (including funds managed by Aviva Investors companies or the Investment Manager) and also by investing directly in these assets, or through the use of derivative s. A maximum of 20% can be invested in sub - investment grade bonds (directly or through other funds). At least 50% of the Sub - Fund’s underlying assets (directly or on look through to the currencies of the underlying assets of other funds) will be held in US Dollars, Sterling or Euros, with a minimum of 25% in Sterling (including hedged back to Sterling). Derivatives may be used for investment purposes or to gain a particular market exposure which would otherwise be difficult or costly to achieve, or to manag e the Sub - Fund’s cash flows in a cost - effective manner. Derivatives may also be used to reduce risk, such as foreign currency risk within the Sub - Fund. Strategy: The Sub - Fund is actively managed, and seeks to meet the return objective through investment in a diversified range of global asset classes. The Fund uses a strategic asset allocation (SAA) to target an investment outcome consistent with the Fund’s risk pr ofile and return target whilst ensuring sufficient diversification. The Fund uses target asset allocation to determine, within a range, the Fund’s allocation to the different asset classes. The SAA has been designed to provide a framework for tactical deci sion making and to allow for tactical changes to the asset mix, aiming to capitalise on specific investment opportunities. Without limitation to the thresholds set out in the “Core investment” section above, the asset allocation of the Sub - Fund is expected to fall within permitted ranges relative to the equivalent weight of the relevant overall asset class of the Composite Benchmark Index. For full details on the permitted ranges and allocations, please refer to the Fund's Prospectus. The Sub - Fund is subjec t to Aviva Investors’ baseline exclusion policy – please see Appendix 2 of the Prospectus for information on these limited investment restrictions.
Performance & Risk Measurement: : The Composite Benchmark Index referred to above is made up of the following underlying benchmarks: 22.0% MSCI All Country World Index (Total Return, GBP) 10.0% FTSE World North America Index (Total Return) 21.5% FTSE All - Share Index 8.0% FTSE World Europe ex UK Index (Total Return) 2.5% FTSE Japan Index (Total Return) 3.0% MSCI Pacific ex Japan Index (Total Return) 2.0% MSCI Emerging Markets Index (Total Return) 7.0%Bloomberg Global Treasury Total Return Index Hedged to GBP 4.5% FTSE Actuaries UK Conventional Gilts All Stocks Index (Total Return) 5.0% Bloomberg Global Aggregate Corporate Total Return Index Hedged to GBP 4.0% iBoxx GBP Non - Gilts All Stocks Index (Total Return) 1.5% Bloomberg Global High Yield Index Hedged to GBP 1.5% JP Morgan Government Bond Index – Emerging Markets (GBI - EM) Global Diversified 3.0% JP Morgan Emerging Markets Bond Index (EMBI) Global Hedged to GBP (Total Return) 3.0% Sterling Overnight Index Average (SONIA) + 3% 1.5% SONIA. The Composite Benchmark Index has been selected as a target benchmark for performance because it is representative of the Sub - Fund’s SAA from which active risk decisions are based. It is therefore an appropriate measure for the Fund’sperformance. For the p urposes of calculating performance, the Composite Benchmark is re - balanced as at the end of each month. The Fund uses a “tracking error” to measure the consistency between the Fund's returns and the returns of the Composite Benchmark. The Sub - Fund is expec ted to have an average yearly tracking error of between 3% and 4.50% when compared to the Index. In certain conditions the Sub - Fund may be outside of this range. Any income the fund generates will be automatically re - invested in additional units on your behalf. You can buy or sell units in this fund on any working day. We need to receive your instruction before 13:00pm UK time. If you contact us after that time, we will buy or sell units for you at the next working day's price. Recommendation: this fund may not be appropriate for investors who plan to withdraw their money within 5 years. 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 reliable 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 tim e. The lowest category does not mean 'risk free'. The value of investments and the income from them will change over time. The Fund price may fall or rise and you may not get back the original amount invested. The Fund has been allocated a risk number based on the historic volatility of its share price or where insufficient information is available the risk number is calculated on a simulated basis, based on the historic volatility of appropriate asset classes. Collective investment risk: Investing in any type of collective investment involves certain risks and limitations that you would not face if investing in markets directly, including the risk of delay in liquidating your investment. 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.
Currency risk: Changes in currency exchange rates could reduce investment gains or increase investment losses. Exchange rates can change rapidly, significantly and unpredictably. 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. Fixed Income Risk: Investments in fixed interest securities are impacted by market and credit risk and are sensitive to changes in interest rates and market expectations of future inflation. Bonds that produce a higher level of income usually have a greater risk of default. Hedging risk: Any measures taken to offset specific risks will generate costs (which reduce performance), could work imperfectly or not at all, and if they do work will reduce opportunities for gain. Illiquid securities risk: Certain assets held in the Fund could, by nature, be hard to value or to sell at a desired time or at a price considered to be fair (especially in large quantities), and as a result their prices could be very volatile. Interest rate risk — bonds: When interest rates rise, bond values generally fall. This risk is generally greater for longer - term bonds and for bonds with higher credit quality. 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 30/09/2026
CHARGES
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 0.08% 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 contribute to the costs of running the fund, including the cost of distributing it, reducing the potential growth of your investment.You can find out the actual entry and exit charge from your financial adviser or distributor.
Certain charges are deducted from the capital of the Fund. The ongoing charges figure is based on last year's expenses for the year ending November 2025. The figure 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. For more information about charges, please refer to the charges section in the Prospectus.
PAST PERFORMANCE
Unit Class Composite Index
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 12.3 11.3 - 7.0 14.5 8.3 11.0 - 11.3 7.3 8.8 14.4 4.5 4.4 4.7 4.8 4.3 4.1 5.4 8.9 9.4 7.4 12.30 1.26 -70 -7.0 14.5 8.30 10.98 -130 -1.30 7.26 8.76 14.3
Past performance is not indicative of future performance. It cannot provide a guarantee of returns that you will receive in the future. The fund was launched in June 2015 and issued UK Corporate Income Distribution Units in June 2015. On 1st December 2021 the Fund benchmark was changed from LIBOR+4% to SONIA+4% (Sterling Overnight Index Average). On 22 May 2026, benchmark was changed from SONIA to the Composite index. Historic benchmark performance is shown up to 1st December 2021 for the LIBOR and up to 22 May 2026 for SONIA. Source: Aviva Investors/Morningstar as at 31 December 2025. Past performance is calculated in GB Pounds. Units are priced in GB Pounds, the fund's base currency. The value of your investment and income from it may go down as well as up and you may not get back the amount you invested. All fees and charges are included in the performance calculation.
PRACTICAL INFORMATION
This document is specific to the Fund and unit class stated at the beginning of this document. The Fund is a Sub - fund of the Aviva Investors Funds ACS (AIF ACS), an umbrella structure comprising different Sub - funds and taking the form of a co - ownership sch eme. As a consequence of this, the Fund may be treated as tax transparent for the purpose of income and /or gains by relevant taxing jurisdictions. The Prospectus and the annual and half - yearly reports are prepared for the umbrella. The Fund is a non - UCITs retail scheme. This NURS - KII document is specific to this unit class. NURS - KII documents will be available for other unit classes within this Fund where they exist. The Fund's current unit price is calculated on each working day and is published daily on our website. The Depositary of the Fund is Bank of New York Mellon (International) Limited , 160 Queen Victoria Street, London, EC4V 4LA. It has delegated the function of Custodian of the Fund to Bank of New York Mellon (International) Limited. Investors should note that the tax legislation that applies to the Fund may have an impact on the personal tax position of your investment in the Fund. The Fund is a Sub - fund of AIF ACS, an umbrella structure comprising different Sub - funds.
The assets of the Fund are beneficially owned by the unitholders in the Fund as tenants in common and must not be used to discharge any liabilities, or meet any claims against, any person other than the unitholders in the Fund. Further information about the Fund including other unit classes and dealing can be found in the Prospectus, available in English, and also in the latest annual and half - yearly Report and Accounts (English only) which are available free of charge from our w ebsite, www.avivainvestors.com. The details of the up - to - date remuneration policy of the Management Company, including the composition of its remuneration committee, a description of the key remuneration elements and an overview of how remuneration is determined, are available on the web site www.avivainvestors.com. A paper copy of the remuneration policy can be made available upon request and free of charge at the Management Company's registered office.
This Fund is authorised in the United Kingdom and regulated by the Financial Conduct Authority. Aviva Investors UK Fund Services Limited is authorised in the United Kingdom and regulated by the Financial Conduct Authority . AI Balanced Life Fund
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...