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Emerging markets may also be","page_number":4,"box":{"x":36,"y":491,"width":417,"height":10}},{"id":"9f3f7513-45a9-4c64-ae55-df9a3927bdff","block_type":"box","text":"politically unstable which can make these funds riskier.","page_number":4,"box":{"x":36,"y":503,"width":321,"height":10}},{"id":"b8cf4228-ceba-461a-bf4a-324b0f735782","block_type":"box","text":"D - S m a l l e r C o m p a n i e s :","page_number":4,"box":{"x":38,"y":526,"width":168,"height":9}},{"id":"f4beb427-a006-4a69-b634-17d4fb98211b","block_type":"box","text":"Where a fund invests in substantially the","page_number":4,"box":{"x":211,"y":526,"width":238,"height":9}},{"id":"f7335eb2-3fbe-4cc6-9523-872073793da8","block_type":"box","text":"shares of smaller companies, it’s more likely to move up and down by large","page_number":4,"box":{"x":36,"y":538,"width":438,"height":10}},{"id":"8fc76274-8fbf-4b21-a9ab-837208948591","block_type":"box","text":"amounts and more frequently than a fund that invests in the shares of","page_number":4,"box":{"x":36,"y":550,"width":417,"height":10}},{"id":"e519a6ce-023c-4274-9f85-4582db4a9acb","block_type":"box","text":"larger companies. The shares can also be more difficult to buy and sell, so","page_number":4,"box":{"x":36,"y":563,"width":435,"height":9}},{"id":"c23f6719-d251-4eaa-a46a-c5d5b75d98cb","block_type":"box","text":"smaller-companies funds can be riskier.","page_number":4,"box":{"x":36,"y":575,"width":231,"height":9}},{"id":"817d44d9-fb31-4ad8-aa06-59ed010a6b4d","block_type":"box","text":"E - Fixed Inter est:","page_number":4,"box":{"x":37,"y":597,"width":126,"height":8}},{"id":"f52cf660-6dd6-4c16-bb17-46d9419f4012","block_type":"box","text":"Where a fund invests substantially in fixed-interest","page_number":4,"box":{"x":167,"y":597,"width":297,"height":10}},{"id":"f1931708-39c5-48d2-8e55-bb3811929a2a","block_type":"box","text":"assets, such as corporate or government bonds, changes in interest rates or","page_number":4,"box":{"x":36,"y":610,"width":447,"height":9}},{"id":"7fede7c6-81f1-4f1c-8be4-3fb09daa0b69","block_type":"box","text":"inflation can contribute to the value of the fund going up or down. For","page_number":4,"box":{"x":36,"y":622,"width":415,"height":10}},{"id":"a6f1a21d-2fa2-4a8d-9f21-4600c3f24038","block_type":"box","text":"example, if interest rates rise, the fund’s value is likely to fall.","page_number":4,"box":{"x":35,"y":634,"width":350,"height":10}},{"id":"37fd0af2-ffb3-40c1-b895-0800cc0ed7d6","block_type":"box","text":"F - D e r i v a t i v e s :","page_number":4,"box":{"x":511,"y":124,"width":107,"height":7}},{"id":"7c399285-f304-4070-a55a-57aa21cb06b4","block_type":"box","text":"See risk A above. Some funds also invest in derivatives as","page_number":4,"box":{"x":623,"y":123,"width":335,"height":8}},{"id":"927da066-6e08-4c54-9d02-01c7cda4238f","block_type":"box","text":"part of their investment strategy, not just for managing the fund more","page_number":4,"box":{"x":511,"y":136,"width":412,"height":9}},{"id":"d3944b71-ff8f-4596-867a-4507edc60304","block_type":"box","text":"efficiently. Under certain circumstances, derivatives can cause large","page_number":4,"box":{"x":510,"y":148,"width":395,"height":10}},{"id":"4735f2ea-5b21-4b61-a1b8-f77d0e3f463d","block_type":"box","text":"movements up or down in the value of the fund, making it riskier compared","page_number":4,"box":{"x":510,"y":160,"width":440,"height":10}},{"id":"329840d4-40d2-461f-9caa-32b18d79cd6a","block_type":"box","text":"with funds that only invest in, for example, company shares. There’s also a","page_number":4,"box":{"x":510,"y":173,"width":437,"height":9}},{"id":"f88130d5-513f-47c2-8b71-dbdb7be13fd0","block_type":"box","text":"risk that the company that issues the derivative may default on its","page_number":4,"box":{"x":511,"y":185,"width":387,"height":9}},{"id":"eedae2ac-9640-4f5e-9f43-e7fdd6595693","block_type":"box","text":"commitments, which could lead to losses.","page_number":4,"box":{"x":510,"y":197,"width":243,"height":9}},{"id":"69c90af6-7885-458a-8776-fcaed1dc9562","block_type":"box","text":"G - C a s h / M o n e y M a r k e t F u n d s :","page_number":4,"box":{"x":511,"y":220,"width":223,"height":9}},{"id":"163eaa33-6f0b-4fac-a992-6c629a17ebdd","block_type":"box","text":"These are different to cash deposit","page_number":4,"box":{"x":739,"y":220,"width":204,"height":9}},{"id":"11334246-d5dc-4b66-8ab1-7fa4bb08d2d8","block_type":"box","text":"accounts, such as those held with high-street banks, and their value can","page_number":4,"box":{"x":511,"y":232,"width":424,"height":9}},{"id":"acf7645b-c6a3-435c-9929-3663772b0b1c","block_type":"box","text":"fall. Also, when interest rates are low, the fund’s charges could be higher","page_number":4,"box":{"x":510,"y":244,"width":423,"height":10}},{"id":"f9bdd0bb-ac88-4eae-a148-892b1d09fde0","block_type":"box","text":"than the return from the investment, so you could get back less than you’ve","page_number":4,"box":{"x":510,"y":256,"width":444,"height":10}},{"id":"74ec12ca-f484-45f4-8656-00dbd028ea5c","block_type":"box","text":"paid in.","page_number":4,"box":{"x":511,"y":269,"width":42,"height":9}},{"id":"caa6fee2-49c1-4d17-b1cf-56066bc15eaa","block_type":"box","text":"H - P r o p e r t y F u n d s :","page_number":4,"box":{"x":512,"y":291,"width":140,"height":10}},{"id":"1a6cd813-cecc-482c-9414-5bd93583c94b","block_type":"box","text":"When a fund invests substantially in property","page_number":4,"box":{"x":656,"y":291,"width":268,"height":10}},{"id":"27f9501a-b7f1-44a4-b8fd-5796a316e5a9","block_type":"box","text":"funds, property shares or directly in property, you should bear in mind that:","page_number":4,"box":{"x":510,"y":303,"width":443,"height":10}},{"id":"c736148e-1cf6-4983-b4f3-b45a52a947f8","block_type":"box","text":"· Property isn’t always easy to sell, so at times the fund may not be able to","page_number":4,"box":{"x":510,"y":326,"width":434,"height":9}},{"id":"bd8a560a-b9f3-4a72-a5ba-84ea02ba0492","block_type":"box","text":"cash-in or switch part or all of its holdings. You may not be able to access","page_number":4,"box":{"x":510,"y":338,"width":433,"height":10}},{"id":"c6861761-ca99-408a-b5b7-f815194bc3d5","block_type":"box","text":"your money during this time.","page_number":4,"box":{"x":510,"y":350,"width":168,"height":10}},{"id":"5e09b339-f38f-4944-8c5d-8a625f892bc3","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":"4fb2c49b-769d-48db-bed3-6a3141188c29","block_type":"box","text":"remain a matter of judgement and opinion.","page_number":4,"box":{"x":511,"y":385,"width":253,"height":10}},{"id":"67016d59-4663-40ad-8c6c-92977cc6ae0f","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":"2fff314a-acef-404a-81d5-2fa6efe90bf4","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":"d9b55528-b18b-49d1-b69e-6c9a636e2509","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":"50126914-09ea-43b7-840c-c2908f3ec766","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":"1626862e-9968-4215-bc2f-27c74d7c9fb9","block_type":"box","text":"When a fund","page_number":4,"box":{"x":844,"y":454,"width":74,"height":8}},{"id":"6740a93a-c63d-4497-b026-c00fdaf19953","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":"f01de8b5-bec9-459b-87bc-4b884c011da2","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":"edc62296-b29d-45b3-901a-4e443111a4e3","block_type":"box","text":"invested. The value of these bonds is also more greatly affected by economic","page_number":4,"box":{"x":510,"y":491,"width":449,"height":10}},{"id":"875467b4-f584-4464-9575-b36d7a4d23e3","block_type":"box","text":"conditions and interest rate movements. There may be times when it’s not","page_number":4,"box":{"x":510,"y":504,"width":431,"height":9}},{"id":"139ab6dc-3250-4492-918a-99a40af9d1fc","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":516,"width":441,"height":9}},{"id":"386824ce-fbdf-4064-ac09-b860360d0c37","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":528,"width":415,"height":10}},{"id":"06cb2bd4-f453-4001-af7c-3375f8e64701","block_type":"box","text":"during this period.","page_number":4,"box":{"x":510,"y":540,"width":108,"height":10}},{"id":"b694a6d9-6b81-4209-8feb-d813067af8a9","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":"40d6e416-5a46-4831-b10e-c71777d6c3ff","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":"230f8c7b-2205-44fd-845c-c4f327f67100","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":"30e40275-b38e-4ec3-a488-d590273c1829","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":"bff38eb4-9118-46c9-99b6-e367e152ad6f","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":"4207aa5c-1cfa-4fcd-9a52-d083849257cb","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":"3793a332-4994-4e5e-a21e-2294b383c336","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":"e2407052-fc0c-4a2b-bc4c-953f6c0611e0","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":"fbcf3da9-c8f7-4b0c-af23-f46eacb0a17c","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":"60c69ddb-52eb-4cf7-a64e-f792e6a6ca32","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":"18e05127-aa5b-4e24-89fe-c5369342ff3e","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":"212664fc-893e-409e-abbf-d3f0bd389d8d","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":"c2c78b47-f5fb-4788-bec2-8dc9b8141a1e","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":"c654346d-6df4-49bd-8ec5-33c6cb189bd1","block_type":"box","text":"Charges explained","page_number":4,"box":{"x":512,"y":720,"width":203,"height":16}},{"id":"99c7734e-feaf-4d0a-bc08-2016cfecd4ca","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":"b3769235-638b-4285-98f8-b9b14a0b744e","block_type":"box","text":"– the annual fee, expressed as a","page_number":4,"box":{"x":770,"y":751,"width":186,"height":9}},{"id":"b97dc92a-09b0-466f-b4a0-d59e3d8ce95c","block_type":"box","text":"percentage, which is charged by the product provider. This covers both the","page_number":4,"box":{"x":511,"y":763,"width":436,"height":10}},{"id":"8be47d91-921e-49e5-ba86-616a43f124c4","block_type":"box","text":"costs of running the fund and any product charges which may be","page_number":4,"box":{"x":510,"y":776,"width":387,"height":9}},{"id":"5a2593f2-c3ad-460a-a8fa-6326bae9fbe6","block_type":"box","text":"applicable.","page_number":4,"box":{"x":511,"y":788,"width":63,"height":9}},{"id":"ddf504a4-3266-4b90-9634-822b388d33d0","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":810,"width":161,"height":10}},{"id":"a590a4f0-d2f2-498b-9ad6-f89bfeb43aeb","block_type":"box","text":"charged by the fund managers to cover","page_number":4,"box":{"x":676,"y":810,"width":232,"height":10}},{"id":"35efa0ed-25e2-42b2-a1ba-ff12324adfa2","block_type":"box","text":"expenses, such as fees to auditors, trustees and valuers. The value is an","page_number":4,"box":{"x":510,"y":823,"width":421,"height":9}},{"id":"509df67f-451e-4aad-a71e-c72e7b1ef5e9","block_type":"box","text":"indicative figure, which is reviewed regularly and can change. Additional","page_number":4,"box":{"x":510,"y":835,"width":424,"height":9}},{"id":"47a6480e-7ff8-413f-9c0d-f3a08abf93ab","block_type":"box","text":"expenses are added to the AMC to give the total fund charge.","page_number":4,"box":{"x":510,"y":847,"width":358,"height":10}},{"id":"7cb646ae-5a04-4b92-8ed1-b36f4a52e618","block_type":"box","text":"Aviva Pension","page_number":4,"box":{"x":69,"y":30,"width":152,"height":12}},{"id":"1b56d298-ce64-438d-b407-e5eb1e3153db","block_type":"box","text":"BlackRock US Equity Index Tracker","page_number":4,"box":{"x":304,"y":29,"width":388,"height":16}},{"id":"daa1f958-613f-4dfe-bc4a-c05d1781e725","block_type":"box","text":"April 2024","page_number":4,"box":{"x":793,"y":29,"width":109,"height":16}},{"id":"be9f4027-4a3f-4ad4-8977-9c1e80f70f76","block_type":"box","text":"Risk warnings","page_number":4,"box":{"x":38,"y":76,"width":154,"height":16}},{"id":"9cd185e0-61eb-46b6-85ad-1d8d3419a5ab","block_type":"box","text":"Factsheet produced by Broadridge","page_number":4,"box":{"x":36,"y":977,"width":152,"height":7}},{"id":"25e3ab5c-807d-4698-a37c-0dafc627ce1f","block_type":"box","text":"@Aviva plc","page_number":4,"box":{"x":911,"y":977,"width":49,"height":7}},{"id":"b34f03ae-b9f7-49b0-8e6d-06f714598b99","block_type":"box","text":"Aviva Life & Pensions UK Limited.","page_number":4,"box":{"x":402,"y":901,"width":191,"height":8}},{"id":"72348ffe-1de7-4f9c-8aa5-66155b42b5e0","block_type":"box","text":"Registered in England No. 3253947. Registered office: Aviva, Wellington Row, York, YO90 1WR.","page_number":4,"box":{"x":231,"y":914,"width":534,"height":9}},{"id":"ea2d5ff1-ef02-41f5-9ece-f542d9dd7687","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":"005f2a2f-214f-419b-8bc1-ba5375688d87","block_type":"box","text":"Firm Reference Number 185896.","page_number":4,"box":{"x":409,"y":938,"width":178,"height":8}},{"id":"6a512d49-256e-443c-a0a3-4c8848f5c24e","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":"09611a95-c005-4253-bd95-73aec2f957dc"},"user_id":1000227,"date_created":"2026-06-29T18:31:18.069000Z","date_modified":"2026-07-17T09:00:22.532000Z","private":false}