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You could get back less than","page_number":4,"box":{"x":36,"y":179,"width":427,"height":10}},{"id":"a7e19781-5aa0-4641-9ae2-1cf6e27b7ea4","block_type":"box","text":"you’ve paid in.","page_number":4,"box":{"x":35,"y":192,"width":84,"height":9}},{"id":"12627d56-8358-4f22-b038-7be6b1a7f843","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":"ca477cdb-b545-4f91-a856-30ebd8e21feb","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":"87e2cb89-107f-4cdf-9a55-d695c6cfb66d","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":"e3119245-a0a5-4ae3-87f5-d47aa3f44ac0","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":"cfd172cc-4b14-4e14-ba65-771dd9775b04","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":"d412c389-2e32-4e2e-8ec8-3377cb11a64a","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":"47ae53f5-1397-435b-8317-afe8d3d765c9","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":"b4f1490c-9704-450c-ae2e-9a2c7e449ea9","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":"95947df8-8b78-47f4-866f-66b41204a197","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":"56eaf1e7-4699-44cf-9fcc-ae409079add3","block_type":"box","text":"Derivatives:","page_number":4,"box":{"x":38,"y":320,"width":82,"height":8}},{"id":"8a3fc9e2-6967-423a-8014-377caeb85f18","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":"27baff3b-5fb1-447c-b4e7-728ec07326ea","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":"43ce86c1-d52b-46ef-84e4-274b883bbaa3","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":"927aeb39-7ae5-42df-a423-d1992d0c3e65","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":"804e0819-d456-4da0-9d36-e11ac64c030d","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":"36783053-8f76-4de5-ac98-02cdc93a37fa","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":"e96037e8-abf4-412e-8a46-76f6445467bf","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":"e1ed24d8-01a8-4df0-9bb6-6cf01fe134f7","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":"c2eacb85-4266-46aa-943d-ef471add6382","block_type":"box","text":"When a fund invests substantially in","page_number":4,"box":{"x":234,"y":416,"width":212,"height":10}},{"id":"438ef4ea-ae21-45f1-8dda-fb9f78369397","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":"8244a3cd-9c58-49f0-a6e5-5871bbf39fde","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":"b3bebdaf-70a7-4b97-bf9f-96e4f09b646e","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":"cdf90f80-d786-4cfa-8b84-fe25bc2b588c","block_type":"box","text":"Where a fund invests substantially in emerging","page_number":4,"box":{"x":201,"y":463,"width":274,"height":10}},{"id":"beb37a7d-4987-4ae7-8b6e-7cae544aed98","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":"6b0d2f05-db80-48f8-bb23-ea844c0faa95","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":"77f0799c-0061-41ee-954a-f29479153cf2","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":"795624b4-c1c8-434a-9a82-1ebf0c321842","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":"61f9b6bb-425e-44cc-822e-ed33a59023af","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":"88b5e4ea-beed-4e31-a532-f86f386d1d1b","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":"98369d3e-4d72-4f35-8e78-f5a2e31d8aed","block_type":"box","text":"Where a fund invests in substantially the","page_number":4,"box":{"x":211,"y":547,"width":238,"height":10}},{"id":"23fa57a1-b8c9-4b7a-8016-45706379f5d7","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":"516aa0ca-8296-4587-9143-f193a78cf4cf","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":"6e19acbf-b773-4be1-b744-23dd4fcf4e0a","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":"02fa9d90-9669-4c7d-9fa0-e0a08773a74b","block_type":"box","text":"smaller-companies funds can be riskier.","page_number":4,"box":{"x":36,"y":596,"width":231,"height":10}},{"id":"f929a15a-25cf-46ef-a90a-4b577fdf9de2","block_type":"box","text":"E - Fixed Inter est:","page_number":4,"box":{"x":37,"y":619,"width":126,"height":7}},{"id":"77b04413-2765-45c6-9d34-123ac8c01390","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":"231a4012-8d49-4fb7-93a3-8fb9a106d0c0","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":"5df8a97d-8def-41cc-829c-b715be8c46e8","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":"618467cf-cde3-4a0e-8a82-21ded7b61fe7","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":"6503418b-f962-40ee-8e71-bd9d2f5acd5b","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":"99135dc1-cda5-4a45-9ae3-539b2fe03f3d","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":"a2b746a1-5bea-4e70-bf64-9ca043435fe8","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":"7d990de2-0bfb-4b81-8173-160bf3de4d67","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":"34d4e0ec-0c5a-4450-9b60-2957fa987e2e","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":"d721c23b-26de-4bb7-8856-35e28ab6b45d","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":"d1d3a6d7-d6f5-4734-b7ea-0a9612612fce","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":"a1bb2b4f-ee1b-4be4-aeb2-501ed8a87bdf","block_type":"box","text":"commitments, which could lead to losses.","page_number":4,"box":{"x":36,"y":752,"width":242,"height":9}},{"id":"ba7da567-adaf-4172-a69c-1c5b9ec9ef5e","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":"da92088e-9980-4b50-8b1d-86668ae41f2d","block_type":"box","text":"These are different to cash deposit","page_number":4,"box":{"x":739,"y":145,"width":204,"height":9}},{"id":"223b4658-4556-4748-b0e8-42f10e7f93d8","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":"02ccdad6-e6eb-4467-ab83-8df387d0ac3a","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":"2a508592-a8dd-41d8-802f-aef4a5d3aa09","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":"2ddf99be-eb9c-41fb-a7c1-b4d31fa80a29","block_type":"box","text":"paid in.","page_number":4,"box":{"x":511,"y":194,"width":42,"height":9}},{"id":"f45edf9c-5d25-47ec-aeae-ae24a2d8f621","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":"142faa38-92a4-40e1-9c64-0d5e4ee9a31b","block_type":"box","text":"When a fund invests substantially in property","page_number":4,"box":{"x":656,"y":216,"width":268,"height":10}},{"id":"f14c84e6-ea0b-4f74-9d02-03b3cf4d976c","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":"40b33446-d19e-4994-bf9c-c9d73409408d","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":"4b2e1d10-6e76-4124-836c-a0031392422a","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":"3da0034a-a40a-432e-ba40-18e24c909c49","block_type":"box","text":"your money during this time.","page_number":4,"box":{"x":510,"y":276,"width":168,"height":9}},{"id":"414c1f16-299b-4b70-81bf-50bf00a7cab3","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":"084577e2-88b5-4d11-8090-8c28d3a45deb","block_type":"box","text":"remain a matter of judgement and opinion.","page_number":4,"box":{"x":511,"y":310,"width":253,"height":10}},{"id":"ea5197ba-59c2-4e16-b918-d30aea2b3862","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":"e933482b-a5f6-4808-b77c-2a418c63c24c","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":"7dc5edff-01f4-4399-8749-6be075c8d8cb","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":"1118bad2-99a1-4755-8d42-d0f984a3854e","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":"8211bb39-ca9e-4412-8a72-818be61a1170","block_type":"box","text":"When a fund","page_number":4,"box":{"x":844,"y":379,"width":74,"height":8}},{"id":"0cc5ebc0-eda8-4939-b220-fb2ce40224bc","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":"f58c9cff-1b56-4a65-aa63-57e830a3b49e","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":"611cb9e2-3bde-4b66-81b9-4473bc16d72e","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":"3c24cebc-49c2-4923-a783-a2989da3a064","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":"959868dd-de14-46f3-93bd-a7c405993dd1","block_type":"box","text":"Firm Reference Number 185896.","page_number":4,"box":{"x":409,"y":938,"width":178,"height":8}},{"id":"9655cdfd-d826-43f3-accf-5696ad81b80d","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":"4bb23afc-4988-4aa1-bd86-2c1e9ef09cb4"},"user_id":1000227,"date_created":"2026-06-29T18:28:30.638000Z","date_modified":"2026-06-29T18:28:30.638000Z","private":false}