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Also, when interest rates are low, the fund’s charges could be higher","page_number":4,"box":{"x":510,"y":148,"width":423,"height":10}},{"id":"956ecd22-c637-4108-923f-88c18bcf7390","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":160,"width":444,"height":10}},{"id":"01334e37-699e-4934-acc8-fb35a5ff23bd","block_type":"box","text":"paid in.","page_number":4,"box":{"x":511,"y":173,"width":42,"height":9}},{"id":"76496374-b96b-4bdf-9ebd-0b5dfbe99fec","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":195,"width":140,"height":9}},{"id":"60f64e9d-3431-4c04-a8e4-04728f8ad658","block_type":"box","text":"When a fund invests substantially in property","page_number":4,"box":{"x":656,"y":195,"width":268,"height":9}},{"id":"657ca9d0-277e-4782-a6dc-def7676933d3","block_type":"box","text":"funds, property shares or directly in property, you should bear in mind that:","page_number":4,"box":{"x":510,"y":207,"width":443,"height":10}},{"id":"ea0dd7e5-216f-4212-93be-70e929bf4ce7","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":230,"width":434,"height":9}},{"id":"3e80a542-fdd3-4575-87a9-57428222ec22","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":242,"width":433,"height":10}},{"id":"af994f09-ced0-42bd-8d58-d98af3f33d12","block_type":"box","text":"your money during this time.","page_number":4,"box":{"x":510,"y":254,"width":168,"height":10}},{"id":"705e16c0-b58e-4a73-9ca4-afc96a63df2d","block_type":"box","text":"· Property valuations are made by independent valuers, but effectively they","page_number":4,"box":{"x":510,"y":277,"width":438,"height":9}},{"id":"8085df4d-d193-444a-9730-d042da7eb35d","block_type":"box","text":"remain a matter of judgement and opinion.","page_number":4,"box":{"x":511,"y":289,"width":253,"height":9}},{"id":"83028f4e-2dba-476b-89c0-e060d53a8a5b","block_type":"box","text":"· Property transaction costs are high due to legal costs, valuation costs and","page_number":4,"box":{"x":510,"y":311,"width":444,"height":10}},{"id":"a7a94bb6-5a53-41c8-ad2d-d42801f5b0e2","block_type":"box","text":"stamp duty, all of which affect the value of a fund.","page_number":4,"box":{"x":510,"y":323,"width":296,"height":10}},{"id":"58b0798b-6af3-404e-972c-df3dd0da3259","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":346,"width":413,"height":9}},{"id":"e22f0157-687c-45ee-89e1-f9baee84f618","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":358,"width":328,"height":10}},{"id":"a9ee22ff-1e4e-485f-a188-532153a655e8","block_type":"box","text":"When a fund","page_number":4,"box":{"x":844,"y":358,"width":74,"height":8}},{"id":"77c9d73b-b8f2-4a7c-8511-83e033bffbc5","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":371,"width":441,"height":9}},{"id":"b892cc56-b7af-4956-82f6-05e582e652b9","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":383,"width":405,"height":9}},{"id":"6a84e443-8fa1-4657-bc11-6dfcd361ba3a","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":432,"width":415,"height":9}},{"id":"cde7ed24-031d-4b6d-8185-71bddf7c7df3","block_type":"box","text":"during this period.","page_number":4,"box":{"x":510,"y":444,"width":108,"height":10}},{"id":"2652a7d6-c4a6-4830-ab69-82415d7a2723","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":467,"width":147,"height":7}},{"id":"424cd069-89db-43b5-ab2e-992f0da5f0cb","block_type":"box","text":"Where a fund invests in a fund that’s operated by","page_number":4,"box":{"x":663,"y":467,"width":290,"height":9}},{"id":"0905adce-c6a8-42fc-b115-5fa45ef476c6","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":479,"width":442,"height":9}},{"id":"3734675b-916a-47a8-a2a7-2fee0c8fb2f6","block_type":"box","text":"investment in the fund if the other insurance company became insolvent.","page_number":4,"box":{"x":510,"y":491,"width":427,"height":10}},{"id":"19dcb319-31c5-47da-9fce-f382d28e48f4","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":514,"width":198,"height":9}},{"id":"69efe38a-17d6-4b56-b2fa-405f0144ee21","block_type":"box","text":"The fund invests partly in one or more","page_number":4,"box":{"x":714,"y":513,"width":223,"height":10}},{"id":"00341cd6-c04c-4e43-8805-21076add09f3","block_type":"box","text":"long-term asset funds (LTAFs), giving access to sectors such as","page_number":4,"box":{"x":511,"y":526,"width":368,"height":9}},{"id":"9f43ae78-1471-4f8f-8416-d3c2ecf4311c","block_type":"box","text":"infrastructure, venture capital, private equity and debt investments. LTAFs","page_number":4,"box":{"x":510,"y":538,"width":430,"height":10}},{"id":"28a9ac6d-7226-4e64-bafd-108d997315c6","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":550,"width":422,"height":10}},{"id":"eee84466-de5d-4e09-be23-4bfc72de3b17","block_type":"box","text":"than from many types of asset. This could mean that in exceptional","page_number":4,"box":{"x":510,"y":563,"width":398,"height":9}},{"id":"5a8f707e-5d0f-461b-9e49-80003f2629e7","block_type":"box","text":"circumstances cashing-in or switching your investment in the fund may","page_number":4,"box":{"x":510,"y":575,"width":420,"height":10}},{"id":"d2a76fa1-b5a4-4085-8997-1ddb55083fee","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":587,"width":431,"height":10}},{"id":"3de4c4f7-9562-4b2e-81d4-afb6d0d6b2a3","block_type":"box","text":"the fund can be invested in LTAFs and monitor this closely.","page_number":4,"box":{"x":510,"y":600,"width":341,"height":9}},{"id":"0998604f-df4d-4272-b563-5554f52f834b","block_type":"box","text":"Charges explained","page_number":4,"box":{"x":512,"y":624,"width":203,"height":16}},{"id":"0bda7b0d-be9b-435b-ac13-3431f9564092","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":655,"width":255,"height":10}},{"id":"ed4bfd83-9443-48ed-b147-e68d29f5473e","block_type":"box","text":"– the annual fee, expressed as a","page_number":4,"box":{"x":770,"y":655,"width":186,"height":9}},{"id":"fd385295-080f-4daf-9e06-2ded17fc323e","block_type":"box","text":"percentage, which is charged by the product provider. 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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":"a865f178-79cb-424d-b9e8-eba50b94ed5f","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":"5ce9b300-3e78-459a-aff1-58bb8fe912c3","block_type":"box","text":"Firm Reference Number 185896.","page_number":4,"box":{"x":409,"y":938,"width":178,"height":8}},{"id":"96849b19-83ef-4a1a-a9a3-e9d0dcb30ac4","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":"48e46a0f-5425-423f-b5dc-0dcd871d9ea0"},"user_id":1000227,"date_created":"2026-06-29T18:30:12.338000Z","date_modified":"2026-06-29T18:30:12.338000Z","private":false}