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The shares can also be more difficult to buy and sell, so","page_number":4,"box":{"x":36,"y":584,"width":435,"height":10}},{"id":"7ad10a80-4061-4d01-ae49-322f51c520b9","block_type":"box","text":"smaller-companies funds can be riskier.","page_number":4,"box":{"x":36,"y":596,"width":231,"height":10}},{"id":"ba3d7b3d-5da0-42ef-9123-e1fc268feab8","block_type":"box","text":"E - Fixed Inter est:","page_number":4,"box":{"x":37,"y":619,"width":126,"height":7}},{"id":"8bd5bdd9-6012-414d-9078-d94d2beba3ab","block_type":"box","text":"Where a fund invests substantially in fixed-interest","page_number":4,"box":{"x":167,"y":619,"width":297,"height":9}},{"id":"727cb0ad-cf9a-4a02-952d-06c80c78a034","block_type":"box","text":"assets, such as corporate or government bonds, changes in interest rates or","page_number":4,"box":{"x":36,"y":631,"width":447,"height":9}},{"id":"bc2b82fb-e7cb-475b-a75f-632dbbe8e77c","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":643,"width":415,"height":10}},{"id":"bff74552-f349-4081-b956-145fb291c594","block_type":"box","text":"example, if interest rates rise, the fund’s value is likely to fall.","page_number":4,"box":{"x":35,"y":655,"width":350,"height":10}},{"id":"20363e9d-e16a-4802-8f00-e953445c4c69","block_type":"box","text":"F - D e r i v a t i v e s :","page_number":4,"box":{"x":37,"y":678,"width":107,"height":7}},{"id":"7d0855e1-a7c6-4e5e-b37d-c58cdbcf4aa8","block_type":"box","text":"See risk A above. Some funds also invest in derivatives as","page_number":4,"box":{"x":149,"y":678,"width":335,"height":7}},{"id":"0e08dbaf-1f14-4ff4-89cc-71804e632837","block_type":"box","text":"part of their investment strategy, not just for managing the fund more","page_number":4,"box":{"x":36,"y":690,"width":412,"height":10}},{"id":"f8f2034b-7992-498c-8687-a5409a068c64","block_type":"box","text":"efficiently. Under certain circumstances, derivatives can cause large","page_number":4,"box":{"x":35,"y":702,"width":395,"height":10}},{"id":"48135201-8353-423b-b79a-b868ac007c06","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":715,"width":440,"height":9}},{"id":"cc812deb-251d-4d6a-b03b-cb62df44a7e2","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":263,"width":433,"height":10}},{"id":"94801f6b-8fa4-4a4f-b4d6-17a15d819a8b","block_type":"box","text":"your money during this time.","page_number":4,"box":{"x":510,"y":276,"width":168,"height":9}},{"id":"39d550fb-618b-4fc8-8375-8075cdec28be","block_type":"box","text":"· Property valuations are made by independent valuers, but effectively they","page_number":4,"box":{"x":510,"y":298,"width":438,"height":9}},{"id":"353fdca4-65c1-41fa-83d6-8525944971ad","block_type":"box","text":"remain a matter of judgement and opinion.","page_number":4,"box":{"x":511,"y":310,"width":253,"height":10}},{"id":"56e33aab-21fe-4f69-9018-992b1ba09a40","block_type":"box","text":"· Property transaction costs are high due to legal costs, valuation costs and","page_number":4,"box":{"x":510,"y":333,"width":444,"height":9}},{"id":"c87a36e0-5756-4431-a109-3091138df672","block_type":"box","text":"stamp duty, all of which affect the value of a fund.","page_number":4,"box":{"x":510,"y":345,"width":296,"height":9}},{"id":"b01cbb23-4c53-43d0-8df8-b4afae212ff5","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":367,"width":413,"height":10}},{"id":"bbbca5ba-1862-4739-99e5-dadcdeda0afb","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":379,"width":328,"height":10}},{"id":"c1ba87a6-2874-476e-8238-fa82d9aa3beb","block_type":"box","text":"When a fund","page_number":4,"box":{"x":844,"y":379,"width":74,"height":8}},{"id":"a9a26cce-5b8e-4d16-a60a-6d2366d9ddb7","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":392,"width":441,"height":9}},{"id":"da1299dc-fc58-4d8f-8005-3271ccea291b","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":404,"width":405,"height":10}},{"id":"e40efacb-ea93-4f45-81bf-fe2928f05375","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":453,"width":415,"height":10}},{"id":"24cc4240-7748-4a91-b664-27a262f9c0b4","block_type":"box","text":"during this period.","page_number":4,"box":{"x":510,"y":466,"width":108,"height":9}},{"id":"a00ab7d0-3e15-4fb1-adf6-e0b82927e9ea","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":488,"width":147,"height":7}},{"id":"8497984f-97b3-4c4c-83fa-85410b7ad4dc","block_type":"box","text":"Where a fund invests in a fund that’s operated by","page_number":4,"box":{"x":663,"y":488,"width":290,"height":9}},{"id":"867ea80e-ce07-4221-8853-2b4a092a5240","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":500,"width":442,"height":10}},{"id":"0d8d5438-cfac-4cb4-add8-51bcb7277100","block_type":"box","text":"investment in the fund if the other insurance company became insolvent.","page_number":4,"box":{"x":510,"y":512,"width":427,"height":10}},{"id":"c4c01145-f6f3-4910-9581-e7f4df0967a9","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":535,"width":198,"height":9}},{"id":"53e9afbc-4d0f-4b54-9266-b09e235b0aae","block_type":"box","text":"The fund invests partly in one or more","page_number":4,"box":{"x":714,"y":535,"width":223,"height":9}},{"id":"4ca75b7d-2750-4bc5-ad89-9cee1c6429b5","block_type":"box","text":"long-term asset funds (LTAFs), giving access to sectors such as","page_number":4,"box":{"x":511,"y":547,"width":368,"height":10}},{"id":"9221848c-b795-4ccd-a155-84064e1bbd87","block_type":"box","text":"infrastructure, venture capital, private equity and debt investments. LTAFs","page_number":4,"box":{"x":510,"y":559,"width":430,"height":10}},{"id":"5e5a2f61-6dcc-4035-9588-5fbdae7493cf","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":572,"width":422,"height":9}},{"id":"f75623b2-3fac-475e-8feb-b381896d7f55","block_type":"box","text":"than from many types of asset. This could mean that in exceptional","page_number":4,"box":{"x":510,"y":584,"width":398,"height":9}},{"id":"477c9afe-9033-460f-bbb3-c3308f1132cb","block_type":"box","text":"circumstances cashing-in or switching your investment in the fund may","page_number":4,"box":{"x":510,"y":596,"width":420,"height":10}},{"id":"4aea8480-a1e0-4cfa-b647-66cc6fc57777","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":608,"width":431,"height":10}},{"id":"79c57928-710e-405e-b1e5-882d80fc3794","block_type":"box","text":"the fund can be invested in LTAFs and monitor this closely.","page_number":4,"box":{"x":510,"y":621,"width":341,"height":9}},{"id":"5fd06b34-23d8-4606-8892-3b12b7b5e782","block_type":"box","text":"Charges explained","page_number":4,"box":{"x":512,"y":645,"width":203,"height":16}},{"id":"5b9c5628-bd46-45e7-8eed-a6475b66a103","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":676,"width":255,"height":10}},{"id":"691ed20a-a8dd-4b17-af17-8c5b9b34c60b","block_type":"box","text":"– the annual fee, expressed as a","page_number":4,"box":{"x":770,"y":676,"width":186,"height":10}},{"id":"8e67366c-e420-48c8-a060-ccdf576dd104","block_type":"box","text":"percentage, which is charged by the product provider. 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