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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":"127a80d9-c146-41cd-9f69-8ca3f88d2a3c","block_type":"box","text":"smaller-companies funds can be riskier.","page_number":4,"box":{"x":36,"y":596,"width":231,"height":10}},{"id":"dc5a5314-dd6a-4de0-b24b-128217e610a0","block_type":"box","text":"E - Fixed Inter est:","page_number":4,"box":{"x":37,"y":619,"width":126,"height":7}},{"id":"6f36726c-5beb-48d8-9b57-0948554687e5","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":"9d29c076-d183-45ff-ba99-61c9724baf60","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":"85477673-85c8-48b7-82ab-8bee0515cf5c","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":"62a6824d-dbac-445f-a5b6-6804de67d07c","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":"5720427b-5bbf-4d80-b4ba-2f82a55b09cc","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":"2379265e-8c63-4652-9301-40f1a1ebb15c","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":"9df09682-6922-4d03-88f1-0a15d20bdde1","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":"b14193c2-35f7-4a2d-9f12-1f3a012eb9d9","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":"a043e1d8-9150-4deb-b784-2e9bca3e3861","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":"7ed3b0af-9f6c-455d-a2a2-0883a8cbf452","block_type":"box","text":"with funds that only invest in, for example, company shares. 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Also, when interest rates are low, the fund’s charges could be higher","page_number":4,"box":{"x":510,"y":169,"width":423,"height":10}},{"id":"1e5bc5d3-e4ae-4b4d-891d-e579e945a93f","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":182,"width":444,"height":9}},{"id":"2a423235-09db-40f1-b938-e1df08c3f9e3","block_type":"box","text":"paid in.","page_number":4,"box":{"x":511,"y":194,"width":42,"height":9}},{"id":"beec889d-4465-4998-ae4f-b6b5c9d96efb","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":216,"width":140,"height":10}},{"id":"67b1c51b-4f17-419f-9006-7065d956d779","block_type":"box","text":"When a fund invests substantially in property","page_number":4,"box":{"x":656,"y":216,"width":268,"height":10}},{"id":"0a70913e-5bdc-4dcd-bbd2-f6b8b065d5f0","block_type":"box","text":"funds, property shares or directly in property, you should bear in mind that:","page_number":4,"box":{"x":510,"y":228,"width":443,"height":10}},{"id":"9bda6644-f87a-496e-8ea6-eaf6d08e6736","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":251,"width":434,"height":9}},{"id":"4dbbb00a-737e-4ab3-b9e0-038ec64cdd40","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":263,"width":433,"height":10}},{"id":"21313b8b-e86e-4082-ae34-e7e8c9d1ee8e","block_type":"box","text":"your money during this time.","page_number":4,"box":{"x":510,"y":276,"width":168,"height":9}},{"id":"f55a9795-a9a8-4af6-998b-f19e9c4e8497","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":"dcf200d1-5d7b-4d49-848f-e81b67828f2a","block_type":"box","text":"remain a matter of judgement and opinion.","page_number":4,"box":{"x":511,"y":310,"width":253,"height":10}},{"id":"adf37b03-fd06-410b-85de-cfbeaf265d36","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":"4e5b63d2-7d32-4e15-baed-91a964a5449d","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":"b6f418b7-2bf7-495a-b148-d87b2cfb2116","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":"a4e48441-3c90-4c09-b0a5-da7069c9dce3","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":"2cdf0921-60ce-40c9-9cba-4b1b5c119531","block_type":"box","text":"When a fund","page_number":4,"box":{"x":844,"y":379,"width":74,"height":8}},{"id":"8f377e84-9209-4acb-91f1-631fe9370def","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":"4cc9f2ab-e82b-4dce-901a-6c8e3d690fd9","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":"0c658f6a-039a-4900-a19e-177d47ead079","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":"dd62893f-bf74-4f83-8f61-3f89d64548ab","block_type":"box","text":"during this period.","page_number":4,"box":{"x":510,"y":466,"width":108,"height":9}},{"id":"31c693a9-e369-4e58-9efa-33500975a7c8","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":"a4e2c386-fbc8-4280-8c54-8843a3227436","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":"e3f202b4-943f-4a40-a652-375eb04d0a73","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":"6224171c-fe8c-4bae-b029-e3b753417e86","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":"7b304d97-d721-463a-b12c-955dcb8c5eb1","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":"f173efa8-042b-4a5e-a9a4-902b46d00011","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":"d16ee890-d3a2-4dca-9143-26c2a615b98b","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":"48491640-deaf-4ade-a24a-308fe5e13b5b","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":"7e7f7885-7ec0-4b1c-b354-04675bfacca8","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":"974cadd1-4007-489a-8a73-d73901c9c523","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":"c377327e-9c59-478c-9944-645da9333a91","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":"a8e08f96-0742-4730-bfa0-a286af22085e","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":"28f50e11-1f56-471a-988d-078241d13e74","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":"c41e12b7-226a-4b23-98ad-b399e7b49098","block_type":"box","text":"Charges explained","page_number":4,"box":{"x":512,"y":645,"width":203,"height":16}},{"id":"de444fb8-a68e-4221-8347-b8fbe734d122","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":"46532039-535c-49a1-91d9-e39812543719","block_type":"box","text":"– the annual fee, expressed as a","page_number":4,"box":{"x":770,"y":676,"width":186,"height":10}},{"id":"17c8b360-12fe-4692-afff-e72f486cc63a","block_type":"box","text":"percentage, which is charged by the product provider. 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