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Emerging","page_number":4,"box":{"x":36,"y":488,"width":429,"height":9}},{"id":"4f0cae24-f7e1-46b5-a5bf-c0dce3f354ed","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":"d4b3c721-9b78-43af-bed8-dc891231894e","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":"445cd573-efae-46ca-9583-6923f35c185d","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":"98492126-b490-40b3-b616-3e2bfed3c031","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":"63f26c19-27ce-4227-ba5c-3595078cb775","block_type":"box","text":"Where a fund invests in substantially the","page_number":4,"box":{"x":211,"y":547,"width":238,"height":10}},{"id":"c6e34fdb-2c51-4436-a17d-7b132ae41894","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":"1fd695bb-c4e7-44e0-ae6a-fbe6a4ce0614","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":"98ee5320-a277-4bc4-8edd-60fa94d3cc9b","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":"15936bf2-8490-4332-beb2-73f1914390c0","block_type":"box","text":"smaller-companies funds can be riskier.","page_number":4,"box":{"x":36,"y":596,"width":231,"height":10}},{"id":"ef1981fd-91b4-40d1-b6a0-6ccaa4ee8947","block_type":"box","text":"E - Fixed Inter est:","page_number":4,"box":{"x":37,"y":619,"width":126,"height":7}},{"id":"57e28563-e31e-47de-84b6-e739c1463281","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":"21a74896-f5e6-44ac-8858-284fca6543fb","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":"51d3f144-851c-42e6-89f7-a8f55d9c7bfc","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":"0dc54ee7-d4dd-4756-8a3c-b44b59e16921","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":"87256259-6548-4e4f-848e-38c14fa92f71","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":"fa84aaba-e3f0-4ef7-8066-a8992e16e5f7","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":"de076084-5ef0-46de-a752-9da90045a9fb","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":"606f2c05-a2ad-492b-87c0-37cbd5aff810","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":"4e041b4d-cd5f-4e85-b9d1-8bc37cb6145f","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":"c2b6fecc-7f37-45d6-aeaa-d823d7ee6474","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":"f6969405-7be8-4704-9214-993e944ce6b7","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":"6ed5d01d-df0a-4938-a003-7c2435627f91","block_type":"box","text":"commitments, which could lead to losses.","page_number":4,"box":{"x":36,"y":752,"width":242,"height":9}},{"id":"f66ab329-8273-4260-8015-ffefe679a75a","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":"7c34a067-cff0-4d9f-804c-5223f035e5b6","block_type":"box","text":"These are different to cash deposit","page_number":4,"box":{"x":739,"y":145,"width":204,"height":9}},{"id":"b422afc2-0d13-422a-b569-6f1d4738092a","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":"9f382fc5-7f95-4585-ae30-71717e2b1217","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":"56c3b3a8-45fe-4b96-ab77-64bcb03ba69d","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":"0463ef8d-5dab-4ed5-a947-82a70928e950","block_type":"box","text":"paid in.","page_number":4,"box":{"x":511,"y":194,"width":42,"height":9}},{"id":"3f706688-6be4-41b2-b5cd-e1df26dce811","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":"68d0a43f-d87b-4bcf-a621-a8b0f4654ccc","block_type":"box","text":"When a fund invests substantially in property","page_number":4,"box":{"x":656,"y":216,"width":268,"height":10}},{"id":"ba53ebd6-36dc-4425-a2d6-c111102bda70","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":"4d74e11b-8f03-446d-b1cd-989cd358ccea","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":"6fd99cdd-5565-42b9-a6c8-6f389aae535b","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":"5fdd9546-1795-4502-843f-8faea683c548","block_type":"box","text":"your money during this time.","page_number":4,"box":{"x":510,"y":276,"width":168,"height":9}},{"id":"072cb735-da06-4004-be4a-fff35baf1b8f","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":"959234e5-14d2-4f4c-ba37-d13ce7abe811","block_type":"box","text":"remain a matter of judgement and opinion.","page_number":4,"box":{"x":511,"y":310,"width":253,"height":10}},{"id":"1716cdea-ebaf-43e6-9ad9-5bf06257ab49","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":"6ff6c0e8-8e2c-40cc-8dab-e29bee7e2be9","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":"b9edb053-974a-4eb1-af39-c1bb1a65670f","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":"c8199dbd-c802-4859-a610-43241988f945","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":"05450e07-e45e-425f-b5ff-2f18cfc88b9c","block_type":"box","text":"When a fund","page_number":4,"box":{"x":844,"y":379,"width":74,"height":8}},{"id":"63213d4f-0ed4-4224-9427-06dd50cf608a","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":"b76b9415-f7c4-4c79-90e8-d845214fa6fe","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":"21b33590-0f2e-44a9-af1e-ee058b473bbe","block_type":"box","text":"invested. The value of these bonds is also more greatly affected by economic","page_number":4,"box":{"x":510,"y":416,"width":449,"height":10}},{"id":"67040ff2-b43a-48bc-915a-c84bace88827","block_type":"box","text":"conditions and interest rate movements. There may be times when it’s not","page_number":4,"box":{"x":510,"y":429,"width":431,"height":9}},{"id":"55226f5f-3951-4a26-b726-c07719ded730","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":441,"width":441,"height":9}},{"id":"2bb93b01-d5a8-4bb6-8565-68ae2c75923c","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":453,"width":415,"height":10}},{"id":"6f11c50d-0a40-4da9-a7a4-6042ee687930","block_type":"box","text":"during this period.","page_number":4,"box":{"x":510,"y":466,"width":108,"height":9}},{"id":"abc96ba3-ac14-4b4e-8fd1-fedf51541860","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":"6b7cc83c-58e1-4f9c-a08b-d32241ca73b5","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":"ea2142f8-49d7-4f0f-8579-22ae2fded77b","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":"30daf39a-3066-4587-9bd5-2a86a8cd04d9","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":"102afcff-9ecc-4102-856a-fc5c2d9fb27f","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":"57df67ff-f1da-4c9a-aa4a-7d486c353ef4","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":"09ca341b-7f17-415f-bc79-7ebb200c3587","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":"23e79728-de6f-4c7b-bfd0-e0d78e221c0e","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":"abaefc1b-0c14-414f-a42c-ceda9c4a8085","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":"c22d3b44-15f9-4ed0-ac64-9e45e04bf4da","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":"ec58b271-0280-4cbc-a0b6-47503b349169","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":"7bf62129-86d0-4d5d-b701-0cc1b5dc97ce","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":"61cc9ac3-bd35-4866-b891-c15d996fe824","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":"4d0f6c9d-aa28-4d6d-86d9-30aeb7bcf4e3","block_type":"box","text":"Charges explained","page_number":4,"box":{"x":512,"y":645,"width":203,"height":16}},{"id":"d9d45351-98dd-4b9a-bad1-d157a08a9ff5","block_type":"box","text":"C h a r g e s -","page_number":4,"box":{"x":511,"y":676,"width":68,"height":10}},{"id":"f68cd093-7ffd-4167-b418-ca9b70f1c24e","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":"7a42033b-6271-40ba-832d-77b3756e4681","block_type":"box","text":"policy: annual management charges and fund charges.","page_number":4,"box":{"x":511,"y":688,"width":326,"height":10}},{"id":"a6cf56c9-1494-4467-9fc5-db5ac88986eb","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":"c559c7b1-9434-443e-8349-9984e8f704e2","block_type":"box","text":"We take an annual management","page_number":4,"box":{"x":739,"y":711,"width":191,"height":9}},{"id":"e6c361ea-c39c-43f3-928f-01b2f898a090","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":"46e7dd8d-10fe-4bea-8c3f-dcadf9f6f721","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":"94da9d1c-157b-4efd-a974-5a0ff05dc26a","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":"fb740ce9-0dd4-48f8-8232-579f7a90c055","block_type":"box","text":"management charge. 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FMECs may vary from year to year.","page_number":4,"box":{"x":510,"y":807,"width":343,"height":10}},{"id":"21d55cb1-8f6b-4034-9d89-eaf357841cb3","block_type":"box","text":"Aviva Pension","page_number":4,"box":{"x":69,"y":51,"width":152,"height":12}},{"id":"60f8a945-24b6-4496-aa06-e065de6f13d3","block_type":"box","text":"BlackRock 50:50 Global Equity Index","page_number":4,"box":{"x":295,"y":29,"width":406,"height":16}},{"id":"f0d30211-8a0c-4e58-832b-2b4484a07f28","block_type":"box","text":"Tracker","page_number":4,"box":{"x":457,"y":51,"width":81,"height":12}},{"id":"c371a02f-91ef-479a-a3bf-b2eeef00e589","block_type":"box","text":"April 2024","page_number":4,"box":{"x":793,"y":51,"width":109,"height":15}},{"id":"bd4a9ccc-961d-4b2c-abf6-5957b19284bf","block_type":"box","text":"Risk warnings","page_number":4,"box":{"x":38,"y":97,"width":154,"height":16}},{"id":"6018971d-1936-4db9-a5ca-ef2d84120387","block_type":"box","text":"Factsheet produced by Broadridge","page_number":4,"box":{"x":36,"y":977,"width":152,"height":7}},{"id":"ce666d36-dc87-47e5-a254-b90659d1534e","block_type":"box","text":"@Aviva plc","page_number":4,"box":{"x":911,"y":977,"width":49,"height":7}},{"id":"a201fd82-bd27-4267-9191-070597462d04","block_type":"box","text":"Aviva Life & Pensions UK Limited.","page_number":4,"box":{"x":402,"y":901,"width":191,"height":8}},{"id":"a8b5610d-ea3e-4a66-8b74-85973165e03b","block_type":"box","text":"Registered in England No. 3253947. 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