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You could get back less than","page_number":4,"box":{"x":36,"y":179,"width":427,"height":10}},{"id":"4e47c844-0b53-4150-8c4f-d5d056544609","block_type":"box","text":"you’ve paid in.","page_number":4,"box":{"x":35,"y":192,"width":84,"height":9}},{"id":"a66e4fd4-5e11-4624-b8db-950b160e860b","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":"830eec87-c9be-4d6a-bd11-39a891aa9c20","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":"1cb996fd-bac0-4c2f-8803-9b55ac7676a9","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":"d7115759-52cb-4d5b-b59c-7555219920a6","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":"a5bae435-c52b-4cab-a6af-33151a4e8fc9","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":"9496c9a1-10f1-4b4e-883e-7b62e22a2e9f","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":"e5f1cfad-68e3-455c-9380-891a41d6b4df","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":"6ae54449-ace5-41a7-a0c4-1eb52112461a","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":"b35cc470-3767-427c-8d1a-6a6591a6763b","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":"6e058036-2020-4d96-b62b-b1d939302b2c","block_type":"box","text":"Derivatives:","page_number":4,"box":{"x":38,"y":320,"width":82,"height":8}},{"id":"04858c86-075f-4c7b-9e14-05cf57d65e7d","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":"3a534338-8bdf-45c9-ba5b-b44b61bf24e5","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":"9a224869-5311-4678-8298-836048c4c669","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":"09ff8690-edd0-4241-a0b3-b0fcc16fae5d","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":"5466b6b4-9e13-451d-aba7-b7e7aa7d0623","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":"1e4d58b4-dd3b-4fa2-b282-d030e43b04c8","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":"191a1fdb-fa81-4943-b6ce-a03442412f7d","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":"847ae283-827a-403e-9362-6fd8a7a004b1","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":"d2fff9eb-a7da-4e32-b62b-b3039e85c8d4","block_type":"box","text":"When a fund invests substantially in","page_number":4,"box":{"x":234,"y":416,"width":212,"height":10}},{"id":"3632a45b-8bed-47e4-8ee4-29a9f137f865","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":"c5f35928-613d-4361-a901-df796963d6c0","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":"be305e70-953b-48fb-8bb5-306bbe69bd6a","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":"ccce7999-c3e2-49f6-bd3e-845a67877062","block_type":"box","text":"Where a fund invests substantially in emerging","page_number":4,"box":{"x":201,"y":463,"width":274,"height":10}},{"id":"4bf6350a-f830-43d9-9b38-06200ad9b8a5","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":"84f8dd31-3e39-4c76-afef-77880e14f103","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":"5fdacffe-f303-4f4d-85dc-11844ff42ae3","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":"5400b617-fc65-4b6b-a358-51821cf13234","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":"497c1c1f-f50d-453e-b6f4-6fa3f111609b","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":"e6886e7a-b79a-406f-ace3-421610397640","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":"a37ef47c-1303-40d1-b266-52bc0c94c212","block_type":"box","text":"Where a fund invests in substantially the","page_number":4,"box":{"x":211,"y":547,"width":238,"height":10}},{"id":"96a9e26e-b1d4-4a58-876c-7d8df3323003","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":"a85a29d5-7f04-4e8a-9cb4-50382bcb7f1b","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":"51ea660c-2e24-4280-9da5-492f215eed41","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":"ae0b8494-b708-4386-b3e7-00a5f73d0fa3","block_type":"box","text":"smaller-companies funds can be riskier.","page_number":4,"box":{"x":36,"y":596,"width":231,"height":10}},{"id":"80d8a2f1-320e-4053-a422-d3af59c39565","block_type":"box","text":"E - Fixed Inter est:","page_number":4,"box":{"x":37,"y":619,"width":126,"height":7}},{"id":"5a630fc9-914d-4f9b-9de1-cf985032377c","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":"de42a326-06f0-472a-9a42-819c37959c16","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":"d9a3fa44-eb60-4f52-9168-b69d302f3eb2","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":"761464db-46b6-4671-ada5-be349ac8a7b1","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":"a002f4ee-d171-4906-8e3f-ecf1a61f2ed8","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":"a94d2064-f140-4969-9a85-8e7f5a5b1dea","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":"3c097a22-095b-4a89-ac79-32dcf4cea7ee","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":"83fedc8d-00da-4457-82c4-36814d466cb4","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":"60932de5-ba86-4b32-a23a-8a39c555c094","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":"5619dc5c-4afb-4910-8ac2-1fe5b0f6bd22","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":"472defea-7167-422a-aa6f-219effb77998","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":"2780e132-2b32-44c3-84b1-3198668c3fe9","block_type":"box","text":"commitments, which could lead to losses.","page_number":4,"box":{"x":36,"y":752,"width":242,"height":9}},{"id":"2feacc4e-0dae-4d56-b15d-bb8b22e57533","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":"ab08d60b-3dd3-438e-9582-1f4caf232635","block_type":"box","text":"These are different to cash deposit","page_number":4,"box":{"x":739,"y":145,"width":204,"height":9}},{"id":"922e38cf-7568-49c1-bee6-21d3ddfca0ab","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":"939459be-93bd-4855-845f-c0028ed33004","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":"46a43ef1-c215-40d4-9065-e02e01e0f764","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":"87232a44-1c40-4a46-a888-8d031f3f19ff","block_type":"box","text":"paid in.","page_number":4,"box":{"x":511,"y":194,"width":42,"height":9}},{"id":"a70b8082-d804-4d5d-a532-19bc0bb78a5a","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":"eef21804-f6a5-4383-8e6b-41fb35f35ef6","block_type":"box","text":"When a fund invests substantially in property","page_number":4,"box":{"x":656,"y":216,"width":268,"height":10}},{"id":"ba1c1180-05e1-4629-9c1c-880feb548cc4","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":"d6198ca4-90a6-4647-9729-726e4d42993a","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":"54d15a4b-3fe5-4479-9b6c-6ed3a99cb0fb","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":"a11ec257-b0f6-4bed-adec-764239ef745d","block_type":"box","text":"your money during this time.","page_number":4,"box":{"x":510,"y":276,"width":168,"height":9}},{"id":"e7ebbf71-9330-4441-8276-ab6f49e0750c","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":"505c156b-281f-4627-95b0-95c8ca89f830","block_type":"box","text":"remain a matter of judgement and opinion.","page_number":4,"box":{"x":511,"y":310,"width":253,"height":10}},{"id":"3f34bca3-f3b7-4b0b-9071-115d604be5ed","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":"c2776168-1ade-4bb2-8407-60e517336559","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":"8b9702f3-8a9e-46bd-b20f-3915f6e4fc9e","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":"5b5020b6-b44e-4ba1-9c26-54f083763337","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":"e5e2a813-b3f9-408d-b75e-685fcf0ed738","block_type":"box","text":"When a fund","page_number":4,"box":{"x":844,"y":379,"width":74,"height":8}},{"id":"91861737-3537-4763-b33b-388bcbe84a8f","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":"54fa78e4-ae5c-4721-89b4-bb74bd16008c","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":"7462f166-89d2-4e62-a872-0ac7a99ce388","block_type":"box","text":"invested. 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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":"a0631d49-130e-490f-8161-34ae10741888","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":"2c48d7d4-f6a7-4866-beb8-5ead7911dfbe","block_type":"box","text":"Firm Reference Number 185896.","page_number":4,"box":{"x":409,"y":938,"width":178,"height":8}},{"id":"b37380e8-4e7a-42d2-932e-b948048afaa6","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":"d33dcce7-cca9-414d-94f7-fbaa193237a4"},"user_id":1000227,"date_created":"2026-06-29T18:28:30.638000Z","date_modified":"2026-07-17T08:56:41.541000Z","private":false}