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You could get back less than","page_number":4,"box":{"x":36,"y":179,"width":427,"height":10}},{"id":"e1ea9f3c-6c6a-4bc6-b751-38ec75f8446e","block_type":"box","text":"you’ve paid in.","page_number":4,"box":{"x":35,"y":192,"width":84,"height":9}},{"id":"485a5ea7-4017-4115-9577-fa06258c5482","block_type":"box","text":"S p e c i a l i s t f u n d s :","page_number":4,"box":{"x":37,"y":214,"width":121,"height":9}},{"id":"bd50b34a-c05a-48b9-88a6-23e7cdef2a33","block_type":"box","text":"Some funds invest only in a specific or limited range of","page_number":4,"box":{"x":163,"y":214,"width":322,"height":10}},{"id":"a57b8301-2939-42f9-99e2-5f91089b2dc4","block_type":"box","text":"sectors. This will be set out in the fund’s aim. These funds may be riskier","page_number":4,"box":{"x":36,"y":226,"width":422,"height":10}},{"id":"a8fc4be1-ae29-4172-b73c-96c9eeb34625","block_type":"box","text":"than funds that invest across a broader range of sectors.","page_number":4,"box":{"x":35,"y":239,"width":337,"height":9}},{"id":"bee1583c-3771-45c6-ac09-f3eb4e3c9d41","block_type":"box","text":"S u s p e n d t r a d i n g :","page_number":4,"box":{"x":37,"y":261,"width":124,"height":10}},{"id":"cb795974-ad23-4a86-841d-cfe093ef1907","block_type":"box","text":"Fund managers are often able to stop any trading in","page_number":4,"box":{"x":167,"y":261,"width":308,"height":10}},{"id":"2ff6d91a-5431-45d5-9f96-91ebf6c2a38a","block_type":"box","text":"their funds in certain circumstances for as long as necessary. When this","page_number":4,"box":{"x":35,"y":273,"width":421,"height":10}},{"id":"89c382b3-6a3b-4ed3-98b5-f5f19331728b","block_type":"box","text":"happens, cashing in or switching your investment in the fund will be","page_number":4,"box":{"x":36,"y":285,"width":400,"height":10}},{"id":"fb2dd3fa-a21b-468a-8ecf-0107e093fab8","block_type":"box","text":"delayed. You may not be able to access your money during this period.","page_number":4,"box":{"x":36,"y":298,"width":413,"height":9}},{"id":"abd3c6eb-44ba-4e5d-b0e4-2f5aae7ddb3d","block_type":"box","text":"Derivatives:","page_number":4,"box":{"x":38,"y":320,"width":82,"height":8}},{"id":"b2558638-95cd-4d26-b3e9-8fc214fc12c2","block_type":"box","text":"Derivatives are financial contracts whose value is based on","page_number":4,"box":{"x":126,"y":320,"width":345,"height":8}},{"id":"1432acf9-7c4f-40c7-bc63-068c61459263","block_type":"box","text":"the prices of other assets. Most funds can invest partly in derivatives so that","page_number":4,"box":{"x":35,"y":332,"width":448,"height":10}},{"id":"be2509f5-0f56-44ec-8f6d-0a43434317a9","block_type":"box","text":"the fund can be managed more efficiently or to reduce risk, but there’s a risk","page_number":4,"box":{"x":35,"y":345,"width":448,"height":9}},{"id":"c07b509b-4c96-4e00-96fb-79bc6206f356","block_type":"box","text":"that the company that issues the derivative may default on its","page_number":4,"box":{"x":35,"y":357,"width":365,"height":10}},{"id":"512a635e-a509-4018-bf93-14b7f7afe6ad","block_type":"box","text":"commitments, which could lead to losses. Some funds also use derivatives","page_number":4,"box":{"x":36,"y":369,"width":435,"height":9}},{"id":"c593c199-806e-442a-b53a-114a111377cb","block_type":"box","text":"to increase potential returns – this is known as ‘speculation’ – and an","page_number":4,"box":{"x":35,"y":382,"width":407,"height":9}},{"id":"263953fb-a9c3-4352-822a-555f23491f99","block_type":"box","text":"additional risk warning applies to those funds (see risk F below).","page_number":4,"box":{"x":36,"y":394,"width":378,"height":10}},{"id":"53cd2547-a2d0-4b7b-9c6f-35aa16cae85c","block_type":"box","text":"B - F o r e i g n E x c h a n g e R i s k :","page_number":4,"box":{"x":37,"y":416,"width":192,"height":10}},{"id":"5d1db6d3-0fd0-4dcd-ba6b-7f8055b0b518","block_type":"box","text":"When a fund invests substantially in","page_number":4,"box":{"x":234,"y":416,"width":212,"height":10}},{"id":"919391cd-8083-4bc2-a9df-c8b70db1df92","block_type":"box","text":"overseas assets, its value will go up and down in line with movements in","page_number":4,"box":{"x":36,"y":429,"width":420,"height":9}},{"id":"2be4c72d-97ae-4e9a-80e5-4217a463b302","block_type":"box","text":"exchange rates as well as the changes in value of the fund’s investments.","page_number":4,"box":{"x":35,"y":441,"width":428,"height":9}},{"id":"4e83766b-a57f-4aa5-826a-9aabb13f20af","block_type":"box","text":"C - E m e r g i n g M a r k e t s :","page_number":4,"box":{"x":37,"y":463,"width":159,"height":10}},{"id":"11394b84-feca-489b-addb-6baccb25bdc9","block_type":"box","text":"Where a fund invests substantially in emerging","page_number":4,"box":{"x":201,"y":463,"width":274,"height":10}},{"id":"5b03d6c6-db29-48a5-8233-5f6f4ec41562","block_type":"box","text":"markets, its value is more likely to move up and down by large amounts and","page_number":4,"box":{"x":36,"y":476,"width":443,"height":9}},{"id":"8250e47b-b8cf-4f5d-bed7-b89853153fa7","block_type":"box","text":"more frequently than a fund that invests in developed markets. Emerging","page_number":4,"box":{"x":36,"y":488,"width":429,"height":9}},{"id":"3d1f0d6b-42d7-4e70-b5bd-e03fd46fe320","block_type":"box","text":"markets may not be as strictly regulated, and investments may be harder to","page_number":4,"box":{"x":36,"y":500,"width":442,"height":10}},{"id":"7f162272-9e88-4bc1-bbd4-be2dd13c9f40","block_type":"box","text":"buy and sell than in developed markets. Emerging markets may also be","page_number":4,"box":{"x":36,"y":512,"width":417,"height":10}},{"id":"c20ae857-635d-4fa5-a9f8-b4a55243ee0a","block_type":"box","text":"politically unstable which can make these funds riskier.","page_number":4,"box":{"x":36,"y":525,"width":321,"height":9}},{"id":"ce8979f9-e4d6-4a0b-bbcd-805726c7722f","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":547,"width":168,"height":9}},{"id":"d1e0d5c5-65b1-42de-82c9-f138a7968a7b","block_type":"box","text":"Where a fund invests in substantially the","page_number":4,"box":{"x":211,"y":547,"width":238,"height":10}},{"id":"46861ea0-c4be-49f0-a89f-d452f3d0de65","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":559,"width":438,"height":10}},{"id":"5531ca3e-ad8d-4021-bfb8-dc2cee5ef345","block_type":"box","text":"amounts and more frequently than a fund that invests in the shares of","page_number":4,"box":{"x":36,"y":572,"width":417,"height":9}},{"id":"41977fc8-68de-4b4f-8dca-9139d525d2c8","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":584,"width":435,"height":10}},{"id":"d3879dab-efe2-4935-ace6-fd4e5a28b0e6","block_type":"box","text":"smaller-companies funds can be riskier.","page_number":4,"box":{"x":36,"y":596,"width":231,"height":10}},{"id":"20be9ed7-48fa-4e18-84fa-af5ffeb8f00c","block_type":"box","text":"E - Fixed Inter est:","page_number":4,"box":{"x":37,"y":619,"width":126,"height":7}},{"id":"0e6e1cd0-58c1-46fb-beee-cc0df324e204","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":"100df8df-acab-4c57-9d17-dfa9ead0747b","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":"edcd4739-e250-4877-b929-d6db85e50376","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":"9a69aaee-0a57-4430-84fd-d79f8e29eb71","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":"9dc2eb10-fd45-4269-b1dc-51049b0a7240","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":"306aa07a-5cde-43d7-8d9e-36fcb97da9a3","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":"8846e9d6-919c-4210-ae3b-01fa22759705","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":"72c52ccb-4652-4999-bdda-9541d0ca262e","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":"64aa090b-1954-4e0f-9952-369ecb95bd8e","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":"3badbed9-b18a-44b2-a6cc-1b2be9f6d36f","block_type":"box","text":"with funds that only invest in, for example, company shares. There’s also a","page_number":4,"box":{"x":35,"y":727,"width":437,"height":9}},{"id":"fc85f38e-6637-4fc7-9f8b-0d7ac5f1a825","block_type":"box","text":"risk that the company that issues the derivative may default on its","page_number":4,"box":{"x":36,"y":739,"width":387,"height":10}},{"id":"d3c76270-d801-4419-8c6e-36851281b8d3","block_type":"box","text":"commitments, which could lead to losses.","page_number":4,"box":{"x":36,"y":752,"width":242,"height":9}},{"id":"226e70d2-299f-480d-b0f2-5608858ee373","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":145,"width":223,"height":9}},{"id":"bb9bb8a7-81d0-4f1f-8370-d436591498b3","block_type":"box","text":"These are different to cash deposit","page_number":4,"box":{"x":739,"y":145,"width":204,"height":9}},{"id":"b9414a9e-d68f-44f7-a28a-6a75a802aa8a","block_type":"box","text":"accounts, such as those held with high-street banks, and their value can","page_number":4,"box":{"x":511,"y":157,"width":424,"height":10}},{"id":"6df69d4f-e4c0-46da-83ac-6511ca0420a5","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":169,"width":423,"height":10}},{"id":"d8500fba-a518-427d-be8c-01096b146e18","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":"6e8352cb-a3ce-42fd-bd52-9ca35dd9c53c","block_type":"box","text":"paid in.","page_number":4,"box":{"x":511,"y":194,"width":42,"height":9}},{"id":"40131734-a426-49f2-a7b0-07841cf5f0f0","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":"83673b22-775d-4fd7-9216-b050e415b871","block_type":"box","text":"When a fund invests substantially in property","page_number":4,"box":{"x":656,"y":216,"width":268,"height":10}},{"id":"79b2be8d-3a37-485a-b153-70ae8f9cf085","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":"c39eeefa-f729-4b1c-8468-ec8f2c81aab0","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":"174b2189-17a0-41ea-a9e9-b622a0a78bee","block_type":"box","text":"cash-in or switch part or all of its holdings. 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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":"1b2a34a3-a8a4-463b-b091-4bc51b427189","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":"daafab07-cc1d-4006-944d-03480640512d","block_type":"box","text":"Firm Reference Number 185896.","page_number":4,"box":{"x":409,"y":938,"width":178,"height":8}},{"id":"b423d8d6-0a1e-4ada-9542-9fd393f45778","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":"d11f6d18-be23-4d06-9c6d-4eb3b6d0d867"},"user_id":1000227,"date_created":"2026-06-29T18:29:24.033000Z","date_modified":"2026-07-17T08:57:40.077000Z","private":false}