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Emerging","page_number":4,"box":{"x":36,"y":488,"width":429,"height":9}},{"id":"6f3dc0cf-107b-4fb2-9ab8-deea2f06b28b","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":"96924352-9a02-44fa-bbcf-e0faaa51aae4","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":"dd296a4d-beea-45c9-818d-67f349bddc88","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":"bec7f5a7-3f41-4144-afd7-4e457fc63d2c","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":"4179686f-0972-46a2-aa33-6e0527df28b9","block_type":"box","text":"Where a fund invests in substantially the","page_number":4,"box":{"x":211,"y":547,"width":238,"height":10}},{"id":"e520ff05-ff4f-4d3f-8865-31fc1a152c62","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":"92a8efe6-f85d-45b1-aa48-c9d8cfb68821","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":"9bc73fbf-fca0-4564-98ee-66970344427a","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":"138c4bac-fb44-4f1e-a269-95a1f66e0a43","block_type":"box","text":"smaller-companies funds can be riskier.","page_number":4,"box":{"x":36,"y":596,"width":231,"height":10}},{"id":"3f1d8f8a-4e01-47b6-8892-df427b6a8b0c","block_type":"box","text":"E - Fixed Inter est:","page_number":4,"box":{"x":37,"y":619,"width":126,"height":7}},{"id":"1f806dc8-e46b-400a-9688-62fb59a8bbd2","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":"75ef545a-7af7-48b6-802c-1293327759e5","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":"341c0b03-6dba-4063-b4ad-44a85241e56f","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":"717fcaf5-c09a-4d65-90c9-bcf7c73460bb","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":"d8642442-4138-49be-b582-f843ba9943c7","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":"c959725c-4695-4587-837c-7b36c4b083bc","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":"bd6c075f-a994-4a2c-b3a9-84bfe1acfd13","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":"1ffe824b-2cee-4518-8b9b-2538b6995eee","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":"778693a7-cfee-4dec-bff7-dd8c39b00a80","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":"8c4d846c-1e96-43b1-a74b-63974012b46c","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":"2fee08ff-10ed-4371-b369-be546490b18f","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":"29b7b0cc-62f8-4e7a-86cf-5e7d5496b9b6","block_type":"box","text":"commitments, which could lead to losses.","page_number":4,"box":{"x":36,"y":752,"width":242,"height":9}},{"id":"d0bf773b-69b4-4906-ace5-67e84709c39e","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":"c2d7c713-eaec-468a-9636-f5ce35302aad","block_type":"box","text":"These are different to cash deposit","page_number":4,"box":{"x":739,"y":145,"width":204,"height":9}},{"id":"663d06dd-83d5-4f2f-8169-7b65f07491bb","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":"2e75ea8b-4623-44d4-80f8-deab38342f47","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":"aa20944d-3fa5-47d9-9961-b3d9e6a7ea8f","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":"f21a2ec9-7a46-4ba4-8715-204ce6b36235","block_type":"box","text":"paid in.","page_number":4,"box":{"x":511,"y":194,"width":42,"height":9}},{"id":"96e47644-e2b5-40a5-82b1-ce66085c5db8","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":"0af33f61-9886-4692-b0fd-f8ee0ca0e5d3","block_type":"box","text":"When a fund invests substantially in property","page_number":4,"box":{"x":656,"y":216,"width":268,"height":10}},{"id":"3c9317dd-0a46-4c39-8b49-60d1449cfdea","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":"6dfe00ac-cfd4-4caa-9ba6-ca23f4723ee8","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":"e2067a59-18ca-4112-ba51-c37e43bcee40","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":"64e20976-6f69-4d7a-b97f-5bc760d57920","block_type":"box","text":"your money during this time.","page_number":4,"box":{"x":510,"y":276,"width":168,"height":9}},{"id":"0f17c47a-4b6b-4cb9-b27e-9e87ee87e594","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":"447a7797-71da-49f6-8228-fb7f66c4869b","block_type":"box","text":"remain a matter of judgement and opinion.","page_number":4,"box":{"x":511,"y":310,"width":253,"height":10}},{"id":"8ded4519-2516-4d48-a7b6-4f4d6cc7159d","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":"1d595453-222d-44c6-81f3-a6dcaa6d64e0","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":"32dad718-eb0a-4163-b5ae-95e75ab2b2fa","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":"7196e4d3-4a1b-4601-9d2c-16fce07b517a","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":"4cec6a03-c7ec-47dc-922a-06d036cba260","block_type":"box","text":"When a fund","page_number":4,"box":{"x":844,"y":379,"width":74,"height":8}},{"id":"e671f56d-f0ab-493a-970a-7a94ba40d6e1","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":"673a3674-a2e4-4b8c-919a-73ea850505f6","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":"234aaf0e-dabb-44c9-be06-175b42ce0844","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":"829542ef-db27-4f57-b513-ab01c32f82aa","block_type":"box","text":"during this period.","page_number":4,"box":{"x":510,"y":466,"width":108,"height":9}},{"id":"f9fae957-277d-46c7-a480-abc7071f9e2f","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":"6329211e-27c4-421a-a204-f45fa9977766","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":"a65dec50-858d-4d20-ac32-840d5ce15b26","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":"cdffb252-96b3-43c3-a705-af40186ea4b2","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":"9df63778-27e8-4384-8036-d9d0086af54c","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":"b4d80824-9d45-4ffe-8a0d-6ddb7fc91fc7","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":"d29f7c4f-627e-4226-adc4-41d77e4053d4","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":"dbbff2bb-2572-44e4-b1ae-7849ce77e537","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":"95f4f802-2785-4640-b5a9-cd121e2d8a5e","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":"ebb23df7-b39d-48bc-93f3-ff72b88a4890","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":"749d5fee-b1b1-44ca-8580-d37f2040d0be","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":"0eb8ee6c-7c68-4e77-8c43-336bfe59868a","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":"c58d4adc-0b69-4522-8f31-7581bc2885a9","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":"58005eef-dae0-4a0b-99c5-26637721c85b","block_type":"box","text":"Charges explained","page_number":4,"box":{"x":512,"y":645,"width":203,"height":16}},{"id":"ef1fd9d6-bad5-4e2e-b1ec-b9dcbeb33e35","block_type":"box","text":"C h a r g e s -","page_number":4,"box":{"x":511,"y":676,"width":68,"height":10}},{"id":"6bbc1535-e057-490a-a141-abc04ae850cf","block_type":"box","text":"There are two types of charges that we may apply to your","page_number":4,"box":{"x":584,"y":676,"width":339,"height":10}},{"id":"7b525713-9812-4f72-af76-bf7194d278ab","block_type":"box","text":"policy: annual management charges and fund charges.","page_number":4,"box":{"x":511,"y":688,"width":326,"height":10}},{"id":"101c1d2d-d4a1-4d36-8e4f-8022144b7179","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 s -","page_number":4,"box":{"x":510,"y":711,"width":224,"height":9}},{"id":"1aa1f1b7-649a-48ef-80d4-ff9b02ec8d2c","block_type":"box","text":"We take an annual management","page_number":4,"box":{"x":739,"y":711,"width":191,"height":9}},{"id":"1daaee0a-658f-49ca-a2bb-84c3676f2ac2","block_type":"box","text":"charge to cover the cost of running your policy.","page_number":4,"box":{"x":510,"y":723,"width":277,"height":10}},{"id":"a0f9dbcb-166b-40f1-836c-e51f33480557","block_type":"box","text":"F u n d c h a r g e s -","page_number":4,"box":{"x":511,"y":746,"width":103,"height":9}},{"id":"5151a7e3-a734-4e04-9c85-647a58dc481b","block_type":"box","text":"Some funds have charges in addition to the basic annual","page_number":4,"box":{"x":619,"y":745,"width":338,"height":10}},{"id":"70791582-00f7-4dfc-9865-f9c6c9226847","block_type":"box","text":"management charge. 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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":"bb801dba-7964-450b-bd84-583473807ef7","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":"b1df04e0-feee-47f9-8d85-7e8c4eca865a","block_type":"box","text":"Firm Reference Number 185896.","page_number":4,"box":{"x":409,"y":938,"width":178,"height":8}},{"id":"f9a71ded-91b2-434e-aa34-fa312cb2cfa1","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":"f559dbd1-32b0-4f33-b3b8-a09d17678f1c"},"user_id":1000227,"date_created":"2026-06-29T18:28:32.004000Z","date_modified":"2026-06-29T18:28:32.004000Z","private":false}