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Emerging markets may also be","page_number":4,"box":{"x":36,"y":512,"width":417,"height":10}},{"id":"ab7c62a2-85ee-4d09-8d4f-48aa607b4a5f","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":"c37592e6-60e3-4f54-b0fb-033709811f84","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":"cf2383c9-11c8-4fb1-89f8-b1183e5fef23","block_type":"box","text":"Where a fund invests in substantially the","page_number":4,"box":{"x":211,"y":547,"width":238,"height":10}},{"id":"981bb75f-a2f9-4fe8-aeec-284c01d53431","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":"5b176256-4c4d-42a8-a3ef-d0866cbf6934","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":"a28329d5-b588-4073-a057-b328342b2448","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":"bfa071af-e613-4003-a18e-fa548d8aad4c","block_type":"box","text":"smaller-companies funds can be riskier.","page_number":4,"box":{"x":36,"y":596,"width":231,"height":10}},{"id":"decc0ea8-b04e-4e94-b778-9d21778e450b","block_type":"box","text":"E - Fixed Inter est:","page_number":4,"box":{"x":37,"y":619,"width":126,"height":7}},{"id":"4bb63438-703f-4080-9633-1a480aa91f50","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":"e7bdaf71-ec21-46c3-805f-69fa7697afd1","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":"1c8df10a-5eef-4bf8-8f86-21a8e4f41a07","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":"c65e5ac9-f0b3-4534-a0b2-1ccb922be3cd","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":"b0cf461e-2647-48bf-a5af-270f0e522c59","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":"b9a7f069-6a33-4967-aee1-6b94ac0a5fda","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":"12f0eddf-fb2d-4ade-84a6-622ca9dbacb6","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":"a2c43f45-c0bc-4257-b14c-492cbb2db1ba","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":"1780c57d-423f-466c-947c-be578027d983","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":"9e51134a-d711-434a-8b6b-80852e01959c","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":"4538b4ee-1339-40a8-8d9f-8e3e3318f5e5","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":"f318828b-9af2-4a9e-bea3-79ddeeec1e91","block_type":"box","text":"commitments, which could lead to losses.","page_number":4,"box":{"x":36,"y":752,"width":242,"height":9}},{"id":"dde43214-9f7e-42bf-a878-c7efc21ef754","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":"ce3e3f05-52b9-4f33-8ba9-ac3b32d1f642","block_type":"box","text":"These are different to cash deposit","page_number":4,"box":{"x":739,"y":145,"width":204,"height":9}},{"id":"ca7ab86c-bf0c-4e22-932f-15c53779fabb","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":"db1699b5-0ad9-4647-b6f6-808c452dedb7","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":"03076e56-0a45-4966-b7c2-e10d33c1e838","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":"85b0528a-6acb-492b-8900-a668000be736","block_type":"box","text":"paid in.","page_number":4,"box":{"x":511,"y":194,"width":42,"height":9}},{"id":"83ef21dd-683a-4fd1-b2ad-6c5ccb987854","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":"773dd11a-da72-4f04-b0ed-79ff6b5f8586","block_type":"box","text":"When a fund invests substantially in property","page_number":4,"box":{"x":656,"y":216,"width":268,"height":10}},{"id":"8bf7005f-5a4a-4421-85a8-ff24a41a771d","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":"11a8b270-0570-4769-adc8-de15a167b4c1","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":"7a05de2c-429f-4690-ae33-5f93c272a1fc","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":"d111fa31-8373-47e8-9b04-3dd73f269919","block_type":"box","text":"your money during this time.","page_number":4,"box":{"x":510,"y":276,"width":168,"height":9}},{"id":"5525346c-ab99-468c-831e-8fccc93fce20","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":"54d631eb-cb96-496c-9d37-1260dc970968","block_type":"box","text":"remain a matter of judgement and opinion.","page_number":4,"box":{"x":511,"y":310,"width":253,"height":10}},{"id":"1b7875be-414f-4e97-81a3-b4d0ec7dee24","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":"d2bbfc1a-67fe-49a9-9a08-34ce11a26d2d","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":"4e1ddbfc-1bc4-43fa-a315-8640fdc96cc3","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":"665529e6-0e97-4319-a1c4-242f159d3f51","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":"ba07d90e-89ef-4e82-8eed-94fe0e5ab906","block_type":"box","text":"When a fund","page_number":4,"box":{"x":844,"y":379,"width":74,"height":8}},{"id":"c97c2c4f-1fa9-48c7-af3f-11aa8e039643","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":"fcd03147-0662-400c-a13f-0d6ebcb2e5e3","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":"fa91d8c9-de42-47a4-ad64-b1abfcdb1088","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":"ac453269-d047-4fcc-b0da-a370788f2695","block_type":"box","text":"during this period.","page_number":4,"box":{"x":510,"y":466,"width":108,"height":9}},{"id":"c8adf446-560e-4623-bfdf-dd77d1e3d58f","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":"17ed4c66-15c2-4d48-8945-8986de6d079a","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":"40d13cfd-5313-4ba2-b273-01d964469ca3","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":"e0cda091-f130-4ca8-82b8-5678d896d1d9","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":"10802961-c902-429f-b00e-265fbfb62825","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":"adea3d4d-9e3c-458c-b1b4-27e563510568","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":"44d2cb90-9dd2-4bce-bb70-8f278724c505","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":"21bd8ae5-430c-4bb8-a939-c8a6dce8aab4","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":"be986766-37a9-4bb8-93e3-da630c192c11","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":"e624a3b3-1f44-45b3-baa7-b70f782625db","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":"d405f3d2-1f65-4f06-a53f-ed4f9d56ddd4","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":"c959fba0-f5ff-4f92-a15d-534c00e7754d","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":"01e876ae-8bed-4f6d-a70f-d3904d3c9143","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":"47cf3a11-cf92-4cbb-b8ca-99e1c6dedd49","block_type":"box","text":"Charges explained","page_number":4,"box":{"x":512,"y":645,"width":203,"height":16}},{"id":"2bbc0600-1509-438f-b7c6-7d6470b8cf98","block_type":"box","text":"C h a r g e s -","page_number":4,"box":{"x":511,"y":676,"width":68,"height":10}},{"id":"25d8a3f9-d4d6-4aa1-be53-1d95eed7eacf","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":"111a06ee-d591-4551-bb20-8902c9569caf","block_type":"box","text":"policy: annual management charges and fund charges.","page_number":4,"box":{"x":511,"y":688,"width":326,"height":10}},{"id":"a857fd9c-af4e-44d4-801b-8c7ff59aa972","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":"d533262c-9305-470a-b940-ff2a3afa7108","block_type":"box","text":"We take an annual management","page_number":4,"box":{"x":739,"y":711,"width":191,"height":9}},{"id":"33c9ebef-97cf-4e2f-b599-ba82b0b9f206","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":"15430ca0-5c58-4783-bf59-b70ef3195cc5","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":"c267cf29-c06c-479c-ab0e-fb7a657f3e4e","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":"005b82a3-1545-4083-95c0-2bc754d4ff7a","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":"2bbc595e-143a-4c6e-8cff-87d0396b0045","block_type":"box","text":"Aviva Pension","page_number":4,"box":{"x":69,"y":51,"width":152,"height":12}},{"id":"01feb7c8-dc04-41f2-9a51-543a18302a07","block_type":"box","text":"BlackRock 60:40 Global Equity Index","page_number":4,"box":{"x":295,"y":29,"width":406,"height":16}},{"id":"9725a6b8-0539-402a-9b89-9ddeda211eff","block_type":"box","text":"Tracker","page_number":4,"box":{"x":457,"y":51,"width":81,"height":12}},{"id":"8b3309cb-def9-4684-9f9e-79917db3c946","block_type":"box","text":"April 2024","page_number":4,"box":{"x":793,"y":51,"width":109,"height":15}},{"id":"2161a149-098b-425e-ac56-7918ebd1979f","block_type":"box","text":"Risk warnings","page_number":4,"box":{"x":38,"y":97,"width":154,"height":16}},{"id":"f6d6be3a-e13e-43a9-8a2a-9afcb9666c70","block_type":"box","text":"Factsheet produced by Broadridge","page_number":4,"box":{"x":36,"y":977,"width":152,"height":7}},{"id":"f6e0ad94-6c05-4239-9bac-db9d320d4a5f","block_type":"box","text":"@Aviva plc","page_number":4,"box":{"x":911,"y":977,"width":49,"height":7}},{"id":"4d276d0a-98e2-452c-9311-3ca77c27c332","block_type":"box","text":"Aviva Life & Pensions UK Limited.","page_number":4,"box":{"x":402,"y":901,"width":191,"height":8}},{"id":"782eea57-af3c-4a9a-9218-65ad579f04af","block_type":"box","text":"Registered in England No. 3253947. Registered office: Aviva, Wellington Row, York, YO90 1WR.","page_number":4,"box":{"x":231,"y":914,"width":534,"height":9}},{"id":"8d4102d6-a0a5-42f7-9469-ff4868599e79","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":"e7551a31-fb73-4f68-8652-e0a6a2adefd5","block_type":"box","text":"Firm Reference Number 185896.","page_number":4,"box":{"x":409,"y":938,"width":178,"height":8}},{"id":"77d7b6dd-56f9-446c-90c2-ff21351d2c65","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":"72387ba1-ae53-4253-8f07-97475b9d14f1"},"user_id":1000227,"date_created":"2026-06-29T18:28:32.725000Z","date_modified":"2026-06-29T18:28:32.725000Z","private":false}