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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":"23430a1e-e91e-488b-8310-b361fa269825","block_type":"box","text":"smaller-companies funds can be riskier.","page_number":4,"box":{"x":36,"y":575,"width":231,"height":9}},{"id":"d058fea4-716c-4387-91c8-6029c932c3c4","block_type":"box","text":"E - Fixed Inter est:","page_number":4,"box":{"x":37,"y":597,"width":126,"height":8}},{"id":"3f1cdf23-0cc4-4815-aec9-2b5db2d29835","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":"03f63741-8ddb-4e8f-8527-c959c3143fa7","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":"76600774-f93e-4579-835d-1ed9f7ad5c69","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":"26cc3ab6-2247-451a-ba86-895b1e83d86c","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":"1c8b6914-1272-443d-a1fd-cef955653442","block_type":"box","text":"F - D e r i v a t i v e s :","page_number":4,"box":{"x":37,"y":657,"width":107,"height":7}},{"id":"7a6e968f-4169-4b55-ba4b-f4448d1de986","block_type":"box","text":"See risk A above. Some funds also invest in derivatives as","page_number":4,"box":{"x":149,"y":657,"width":335,"height":7}},{"id":"c8e1c8ad-07bf-47ed-bbb7-dde25dfc7c4e","block_type":"box","text":"part of their investment strategy, not just for managing the fund more","page_number":4,"box":{"x":36,"y":669,"width":412,"height":9}},{"id":"19f1a751-0820-4f67-9d89-c397fcf46fb7","block_type":"box","text":"efficiently. Under certain circumstances, derivatives can cause large","page_number":4,"box":{"x":35,"y":681,"width":395,"height":10}},{"id":"4b0c0a32-aab7-4766-a78f-78d75900122a","block_type":"box","text":"movements up or down in the value of the fund, making it riskier compared","page_number":4,"box":{"x":36,"y":693,"width":440,"height":10}},{"id":"25f743b6-b7bb-494b-85e5-7a3bfc1d2bab","block_type":"box","text":"with funds that only invest in, for example, company shares. 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You may not be able to access","page_number":4,"box":{"x":510,"y":242,"width":433,"height":10}},{"id":"473c5c39-b9e9-49fa-82f6-b0e6dc5f3d44","block_type":"box","text":"your money during this time.","page_number":4,"box":{"x":510,"y":254,"width":168,"height":10}},{"id":"a1ff1b94-cf76-49e6-8503-aa8ab1ff813b","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":"d4f38223-16e2-429d-941f-ec37df252131","block_type":"box","text":"remain a matter of judgement and opinion.","page_number":4,"box":{"x":511,"y":289,"width":253,"height":9}},{"id":"4066aefc-5cc5-45f0-a2bf-b0f4fc8212fe","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":"f403e37d-47e1-4f91-975c-75268cb1a94f","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":"76918c86-1b4c-4959-8117-aef01cf3fe7f","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":"b9be050d-9540-4b2d-8780-1365f627cf29","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":"eab23bff-d88a-4e2e-9057-f2f805f7f9f6","block_type":"box","text":"When a fund","page_number":4,"box":{"x":844,"y":358,"width":74,"height":8}},{"id":"ff0e9613-3b9a-481d-87bc-f06f92b06320","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":"edc9942d-1caf-495b-bc2d-a49e1a6d7383","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":"a6fb9857-1f2b-4223-b736-47ad661d3eb7","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":"1f19e91c-08b3-422b-b3b1-373abd97d915","block_type":"box","text":"during this period.","page_number":4,"box":{"x":510,"y":444,"width":108,"height":10}},{"id":"48bf51d6-3c3f-4fd6-ab1b-74f25b7e16d8","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":"06610a0e-7570-4d03-b5aa-9eb23812cf61","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":"f8f3b1cd-67fb-462d-b4f7-6499e1eb4330","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":"990bdc00-d81d-44db-8df6-e7488450bb55","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":"512269e4-0cbf-4652-9bca-0eab669cac3f","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":"e80dea49-e299-4a90-b3e1-f577980c5383","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":"ef518347-d29c-4221-aa49-ed091f0b5e26","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":"a2647de2-9e25-449c-9d2a-381d34ac5729","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":"1274e9d3-12d2-4e62-8511-37aa7fb44b94","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":"2e0b381c-3179-455d-88cd-1a0e46955a9d","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":"11887cab-b4dd-4cd3-a55c-00394402427d","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":"efd57b44-0b46-43a0-b506-7e7c9d5d720a","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":"45fd4251-d236-4af9-9e05-a5816c96e4e6","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":"05ff684b-9bbc-4433-9544-8cf759eb5d6f","block_type":"box","text":"Charges explained","page_number":4,"box":{"x":512,"y":624,"width":203,"height":16}},{"id":"3708669b-1348-427b-aa6b-8ad9e3a54a89","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":"6fafebb1-7d55-4ce5-a332-86af2736c09b","block_type":"box","text":"– the annual fee, expressed as a","page_number":4,"box":{"x":770,"y":655,"width":186,"height":9}},{"id":"82fb2660-5553-49f0-b01a-816545221d2b","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":"542bcc09-2c4a-493a-b29a-e60f94ababb8","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":"7e46a608-1772-48d4-9963-b76eb0515f63","block_type":"box","text":"Firm Reference Number 185896.","page_number":4,"box":{"x":409,"y":938,"width":178,"height":8}},{"id":"b31df98d-37d5-4852-953c-8028a0af2925","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":"a2c4da2d-bffa-4294-8a8f-1c2d680d8ca8"},"user_id":1000227,"date_created":"2026-06-29T18:30:12.338000Z","date_modified":"2026-07-17T08:59:51.603000Z","private":false}