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Most funds can invest partly in derivatives so that","page_number":4,"box":{"x":35,"y":332,"width":448,"height":10}},{"id":"6050ec49-254d-4344-a8d1-af9e040020b4","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":"74131038-e03e-4f8d-8a26-5863065df61a","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":"e3929af8-0ee0-4b18-99ca-2dc6928a00ee","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":"ad5245a0-89a7-41c0-acc6-2b1412315078","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":"82f2de86-fb19-4e46-bda3-5e3ea0fb7ba1","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":"298616c0-3bba-43d6-b9b8-6e02919a24af","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":"3a85741f-f70d-483a-9744-375a8975faf8","block_type":"box","text":"When a fund invests substantially in","page_number":4,"box":{"x":234,"y":416,"width":212,"height":10}},{"id":"32c9f844-17f3-46ee-b115-e32f3808b514","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":"455719e8-71cf-43a3-b7d0-0b4afc8e71a9","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":"728f9f2c-7368-4060-b7e1-495929d67b9e","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":"a53b093a-7af4-410f-bd23-74e42ca30caf","block_type":"box","text":"Where a fund invests substantially in emerging","page_number":4,"box":{"x":201,"y":463,"width":274,"height":10}},{"id":"fe451591-f954-4079-980e-f1ae4a048c24","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":"36724f37-67e2-405f-bf88-52d58d9a4539","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":"56c4c9ea-c9db-4276-906a-7db5141dcfaf","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":"2fff7202-fc3a-4ff6-a067-8d72d05e24ad","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":"0c9e4d4d-30f5-4dd5-9148-90f99d339332","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":"3ae8e86b-0d38-47d4-b627-3ade67cac01c","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":"3199afa5-453d-41dd-842c-8c5268e95f6a","block_type":"box","text":"Where a fund invests in substantially the","page_number":4,"box":{"x":211,"y":547,"width":238,"height":10}},{"id":"34cbd2a4-7f5e-40dc-9fc3-143857cdef3e","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":"2bb2aca6-8a8e-41ea-9c59-23f49c6e5e95","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":"52fe3e8f-2416-42dc-947a-d73f605208c9","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":"3c77e59f-3e96-478d-b270-70ea49fc68d5","block_type":"box","text":"smaller-companies funds can be riskier.","page_number":4,"box":{"x":36,"y":596,"width":231,"height":10}},{"id":"48f36f2e-e351-4cd0-b435-5a4ad5f324b7","block_type":"box","text":"E - Fixed Inter est:","page_number":4,"box":{"x":37,"y":619,"width":126,"height":7}},{"id":"0fe643ca-5efc-4ea0-b6a0-f63940db044a","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":"d241eb74-3f24-4dd5-890b-f4e30e858b18","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":"b515e6ff-3858-40c7-8f89-4a43206365c3","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":"eedca9fb-1104-401e-8eec-3f2d488b3b3b","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":"07c64d05-9fc9-4a20-9ba2-d3838c24a1c3","block_type":"box","text":"F - D e r i v a t i v e s :","page_number":4,"box":{"x":511,"y":145,"width":107,"height":7}},{"id":"c7ba66b6-3b34-42f8-afaa-a9c727996083","block_type":"box","text":"See risk A above. Some funds also invest in derivatives as","page_number":4,"box":{"x":623,"y":145,"width":335,"height":7}},{"id":"58615ec5-9400-4819-ac64-8afd1ee7ed3e","block_type":"box","text":"part of their investment strategy, not just for managing the fund more","page_number":4,"box":{"x":511,"y":157,"width":412,"height":10}},{"id":"e6db3816-ba32-4eaf-abdb-9b335921fb5b","block_type":"box","text":"efficiently. Under certain circumstances, derivatives can cause large","page_number":4,"box":{"x":510,"y":169,"width":395,"height":10}},{"id":"2596d2de-8a0c-4f37-ad78-483a4c1706ea","block_type":"box","text":"movements up or down in the value of the fund, making it riskier compared","page_number":4,"box":{"x":510,"y":182,"width":440,"height":9}},{"id":"5d69f956-0e49-47b6-af82-f6c9df278560","block_type":"box","text":"with funds that only invest in, for example, company shares. There’s also a","page_number":4,"box":{"x":510,"y":194,"width":437,"height":9}},{"id":"38d44d68-5156-49e6-bc13-546cff5e0118","block_type":"box","text":"risk that the company that issues the derivative may default on its","page_number":4,"box":{"x":511,"y":206,"width":387,"height":10}},{"id":"ee45ce7a-375e-4aa5-a609-306952bb5382","block_type":"box","text":"commitments, which could lead to losses.","page_number":4,"box":{"x":510,"y":219,"width":243,"height":9}},{"id":"f65b20a2-3b8f-4bb7-a153-cc3b0ca7d8e4","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":241,"width":223,"height":9}},{"id":"354369fd-7aa2-4437-8642-d8a36188bac3","block_type":"box","text":"These are different to cash deposit","page_number":4,"box":{"x":739,"y":241,"width":204,"height":9}},{"id":"38f6d7e6-6ee9-487c-b561-4aaad991a6f0","block_type":"box","text":"accounts, such as those held with high-street banks, and their value can","page_number":4,"box":{"x":511,"y":253,"width":424,"height":10}},{"id":"19c67cd9-b4ea-4c1f-98f7-dc9e68efe9ef","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":265,"width":423,"height":10}},{"id":"a4446185-6713-4332-9c14-4fb2074d80d8","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":278,"width":444,"height":9}},{"id":"9ad9b856-89e1-4c87-911a-3d1e0d2ecfb0","block_type":"box","text":"paid in.","page_number":4,"box":{"x":511,"y":290,"width":42,"height":9}},{"id":"f7b3e019-3e40-4a65-acb3-b8a3da25d517","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":312,"width":140,"height":10}},{"id":"9b366705-7684-4faa-b726-35f4405abc2d","block_type":"box","text":"When a fund invests substantially in property","page_number":4,"box":{"x":656,"y":312,"width":268,"height":10}},{"id":"01353353-914f-4208-866d-3eefe7e26b36","block_type":"box","text":"funds, property shares or directly in property, you should bear in mind that:","page_number":4,"box":{"x":510,"y":325,"width":443,"height":9}},{"id":"f4da21be-408c-419b-ac29-959739db9a18","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":347,"width":434,"height":9}},{"id":"0bd3493b-f2ca-4e8c-bcda-92041488a24b","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":359,"width":433,"height":10}},{"id":"bf870adb-9487-4602-86d6-829b0615f6fc","block_type":"box","text":"your money during this time.","page_number":4,"box":{"x":510,"y":372,"width":168,"height":9}},{"id":"df9d541a-3e95-4fbf-ba02-549552b0a187","block_type":"box","text":"· Property valuations are made by independent valuers, but effectively they","page_number":4,"box":{"x":510,"y":394,"width":438,"height":9}},{"id":"c7150bd2-754d-4fa0-9c47-a069d346a75b","block_type":"box","text":"remain a matter of judgement and opinion.","page_number":4,"box":{"x":511,"y":406,"width":253,"height":10}},{"id":"905a6e3f-b27b-4dfa-83c7-7c7a556894a7","block_type":"box","text":"· Property transaction costs are high due to legal costs, valuation costs and","page_number":4,"box":{"x":510,"y":429,"width":444,"height":9}},{"id":"ca5f9985-9c3e-4dd4-b2bf-83092844ffd3","block_type":"box","text":"stamp duty, all of which affect the value of a fund.","page_number":4,"box":{"x":510,"y":441,"width":296,"height":9}},{"id":"d63928af-1d8d-44e0-862b-76c1bef498d8","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":463,"width":413,"height":10}},{"id":"61c3cfe3-f97b-4240-9d32-cb4bdbf5c9a6","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":476,"width":328,"height":9}},{"id":"a8e4153b-0c62-4fb4-9080-d48f33bfd7b0","block_type":"box","text":"When a fund","page_number":4,"box":{"x":844,"y":475,"width":74,"height":8}},{"id":"dc367bb5-37aa-498a-a9e2-7290c82d1493","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":488,"width":441,"height":9}},{"id":"52509090-c379-4c7c-b667-dddab65c08fe","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":500,"width":405,"height":10}},{"id":"41d97fff-b589-44e3-9d03-fce16bc29f64","block_type":"box","text":"invested. The value of these bonds is also more greatly affected by economic","page_number":4,"box":{"x":510,"y":512,"width":449,"height":10}},{"id":"b725e05e-c787-4f7f-a18a-971fa724b152","block_type":"box","text":"conditions and interest rate movements. There may be times when it’s not","page_number":4,"box":{"x":510,"y":525,"width":431,"height":9}},{"id":"b2e688d4-f38c-4387-bf38-ab2088985b05","block_type":"box","text":"easy to buy or sell these bonds, so cashing-in or switching your investment","page_number":4,"box":{"x":510,"y":537,"width":441,"height":10}},{"id":"60f4538e-d79c-458f-bf92-f051a19f76e7","block_type":"box","text":"in the fund may be delayed. You may not be able to access your money","page_number":4,"box":{"x":510,"y":549,"width":415,"height":10}},{"id":"37efb481-0165-4027-ac58-7a17c33c8b62","block_type":"box","text":"during this period.","page_number":4,"box":{"x":510,"y":562,"width":108,"height":9}},{"id":"29e333b6-6aa8-46c6-8685-ee30a2a6c59b","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":584,"width":147,"height":7}},{"id":"4f46eb71-8694-423c-9b02-6c886603e89d","block_type":"box","text":"Where a fund invests in a fund that’s operated by","page_number":4,"box":{"x":663,"y":584,"width":290,"height":9}},{"id":"fbbd966f-fd53-4975-922a-7a440b70294a","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":596,"width":442,"height":10}},{"id":"a82d3f54-d3d0-41db-b512-1ee4c3ac89e1","block_type":"box","text":"investment in the fund if the other insurance company became insolvent.","page_number":4,"box":{"x":510,"y":608,"width":427,"height":10}},{"id":"5a722593-8bb6-4816-aa13-b078552871d7","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":631,"width":198,"height":9}},{"id":"9b2bf699-adbe-4964-9b1c-680201056eed","block_type":"box","text":"The fund invests partly in one or more","page_number":4,"box":{"x":714,"y":631,"width":223,"height":9}},{"id":"8ff5b770-fab5-46b9-b17e-21afc96d61b3","block_type":"box","text":"long-term asset funds (LTAFs), giving access to sectors such as","page_number":4,"box":{"x":511,"y":643,"width":368,"height":10}},{"id":"c028be3b-c8e4-4335-80ad-a8da518e8814","block_type":"box","text":"infrastructure, venture capital, private equity and debt investments. LTAFs","page_number":4,"box":{"x":510,"y":655,"width":430,"height":10}},{"id":"6a5d24b5-eed0-40e1-a2ac-94f06c4d5554","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":668,"width":422,"height":9}},{"id":"d2766fbc-1e61-424b-a3ba-3d75ba7a8623","block_type":"box","text":"than from many types of asset. This could mean that in exceptional","page_number":4,"box":{"x":510,"y":680,"width":398,"height":10}},{"id":"1c16b419-8abd-4338-be46-241ea8c13357","block_type":"box","text":"circumstances cashing-in or switching your investment in the fund may","page_number":4,"box":{"x":510,"y":692,"width":420,"height":10}},{"id":"9c274ee5-4dee-4f2f-a429-b0101385660a","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":705,"width":431,"height":9}},{"id":"14ef6186-418f-4554-b4a7-f8b0f3f889c2","block_type":"box","text":"the fund can be invested in LTAFs and monitor this closely.","page_number":4,"box":{"x":510,"y":717,"width":341,"height":9}},{"id":"69dae5ad-df4b-4a91-a02d-b0cb146a03a3","block_type":"box","text":"Charges explained","page_number":4,"box":{"x":512,"y":741,"width":203,"height":16}},{"id":"a18095cf-8662-4c71-8a55-c57bb9d7c195","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":772,"width":255,"height":10}},{"id":"f3135599-7232-44d7-b6cd-0387b4cf43b9","block_type":"box","text":"– the annual fee, expressed as a","page_number":4,"box":{"x":770,"y":772,"width":186,"height":10}},{"id":"33e570f7-72be-4905-a4ce-c3b76608b513","block_type":"box","text":"percentage, which is charged by the product provider. This covers both the","page_number":4,"box":{"x":511,"y":785,"width":436,"height":9}},{"id":"f6d3d40c-4d20-4f43-9274-ae7d75201e16","block_type":"box","text":"costs of running the fund and any product charges which may be","page_number":4,"box":{"x":510,"y":797,"width":387,"height":9}},{"id":"e4953144-d6d8-410f-b159-432ffbe61d12","block_type":"box","text":"applicable.","page_number":4,"box":{"x":511,"y":809,"width":63,"height":10}},{"id":"56ab1428-979b-49ba-bf3e-aafb26dd733d","block_type":"box","text":"A d d i t i o n a l E x p e n s e s –","page_number":4,"box":{"x":510,"y":832,"width":161,"height":9}},{"id":"93d8a07c-b757-4ed5-b207-9457cb26f2b8","block_type":"box","text":"charged by the fund managers to cover","page_number":4,"box":{"x":676,"y":831,"width":232,"height":10}},{"id":"2fe0f441-841d-4da8-9ee1-2f2eeccbc683","block_type":"box","text":"expenses, such as fees to auditors, trustees and valuers. 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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":"3f9a6db3-c62e-44c5-a31d-e6009457568b","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":"c0f8b0d4-8c5f-47e3-a9bc-4e6b43f0ab36","block_type":"box","text":"Firm Reference Number 185896.","page_number":4,"box":{"x":409,"y":938,"width":178,"height":8}},{"id":"3f6d55e6-c6b2-43d0-a773-fecc8d40622b","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":"6c81897c-d908-4293-a7ff-37e12ac8f73d"},"user_id":1000227,"date_created":"2026-06-29T18:29:27.476000Z","date_modified":"2026-07-17T08:58:00.030000Z","private":false}