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Emerging markets may also be","page_number":4,"box":{"x":36,"y":512,"width":417,"height":10}},{"id":"17fb7941-ff81-40e1-9669-263ea9baa13b","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":"5626226f-4cc8-4a2e-96a2-6da9fbc8bf64","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":"99ccc6e8-1512-4c5a-81a6-848587943938","block_type":"box","text":"Where a fund invests in substantially the","page_number":4,"box":{"x":211,"y":547,"width":238,"height":10}},{"id":"9c62bdd2-cd3d-46ad-9d2b-fad325a1cddc","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":"7b6c5f37-f524-4a38-8bc6-a4cb75c94a59","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":"27a20768-77d3-4d70-bbec-83e5e14df2d4","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":"3f8efe1a-5ecb-4dd5-8744-bcc9b3ec8d00","block_type":"box","text":"smaller-companies funds can be riskier.","page_number":4,"box":{"x":36,"y":596,"width":231,"height":10}},{"id":"dec6b17c-2f76-47bf-86cb-7df6626d791b","block_type":"box","text":"E - Fixed Inter est:","page_number":4,"box":{"x":37,"y":619,"width":126,"height":7}},{"id":"9623915b-4179-498d-9936-4545e9f10a3d","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":"05cb5398-26d2-402d-b2b0-f3e0cdd4f7b9","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":"184cbfc8-b820-4673-b298-008197341132","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":"44370f80-f246-403e-8058-57f76e4aace6","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":"44f0b4ca-109b-4e2c-8e29-21379086eb06","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":"39e2aaf2-890e-4e6b-ba36-f31a8866bd03","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":"c9441024-167c-4c22-9408-20535df8ff40","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":"15e39323-c0e5-4b54-94c7-984b29daafda","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":"118f88bf-fb3f-44e5-b2cc-efae7ea43cfa","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":"a9038749-6eca-43e1-8743-971467463b54","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":"f9b1aa6d-5544-4c8a-8383-2c0da70b6790","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":"6b29a947-61b7-4342-b5a6-2fd0daf2b522","block_type":"box","text":"commitments, which could lead to losses.","page_number":4,"box":{"x":36,"y":752,"width":242,"height":9}},{"id":"609f6342-243a-473b-b308-04c3ab4564e6","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":"1fe834d8-1a4c-48c1-8efc-25deb954744e","block_type":"box","text":"These are different to cash deposit","page_number":4,"box":{"x":739,"y":145,"width":204,"height":9}},{"id":"7ec7a16d-8c5a-42b8-906b-89fe7fb3ff21","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":"c03260ef-11d0-4ae1-b5fb-b7e979d2b14e","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":"fe77b055-a720-4e5a-8620-6ff5b7ff9205","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":"fd436c6c-49d0-4611-a97a-e975421a2f0f","block_type":"box","text":"paid in.","page_number":4,"box":{"x":511,"y":194,"width":42,"height":9}},{"id":"8d88bf0d-993e-4e67-83c7-e4a515d99d88","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":"36b2f359-e3d3-4a0d-9317-62dc87edbb7c","block_type":"box","text":"When a fund invests substantially in property","page_number":4,"box":{"x":656,"y":216,"width":268,"height":10}},{"id":"c45f4ae3-69f6-48fb-92b5-2fa6d82d54bb","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":"a2649222-a51c-4e59-addd-29dbedb1aa90","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":"9289d35d-ca6c-410b-83bf-aa4ff070a7a1","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":"8cd91e6d-8d46-4dee-b53c-811f52767180","block_type":"box","text":"your money during this time.","page_number":4,"box":{"x":510,"y":276,"width":168,"height":9}},{"id":"a6002d53-0d43-468d-9d53-701b8d080635","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":"66514dfd-2cb0-48cb-98c6-f3c49caef6ff","block_type":"box","text":"remain a matter of judgement and opinion.","page_number":4,"box":{"x":511,"y":310,"width":253,"height":10}},{"id":"35e4a695-3c55-418b-be23-1426f3709b95","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":"bd988763-7d64-4461-8d89-9714e9e88c8f","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":"a9808039-3c35-4c80-9470-72900cc29af1","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":"6aa9ceab-c2a8-4380-af84-cd57520abfbe","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":"f4377373-214b-448f-ae8b-5c16428ff16d","block_type":"box","text":"When a fund","page_number":4,"box":{"x":844,"y":379,"width":74,"height":8}},{"id":"f3cc16b3-02e6-4905-80c6-b3f12ec9fcce","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":"2ccff0a7-abba-4351-86d2-9573c8a697d8","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":"8ebe905e-f1f7-4363-a66a-04fa0bdced85","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":"2123cd1f-3558-47af-b9fa-ffd0bce871b0","block_type":"box","text":"during this period.","page_number":4,"box":{"x":510,"y":466,"width":108,"height":9}},{"id":"20415318-0b87-487f-ae49-9c2282efe56e","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":"b7e32d86-9513-441f-a7b0-f62101a2ba7a","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":"ea620edc-6ed8-49ee-b89d-05aaccd31d4e","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":"9967a091-5e04-4b7b-a769-3fe690f0f4c4","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":"062ab762-d62e-4870-97c6-7b927f70158f","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":"042a5d77-3267-4cb5-ab28-cf98030ce385","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":"bc536332-5f25-42bf-b661-ff188bbb3c6b","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":"d1a11322-827b-48a2-ad9f-e204f2c42797","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":"325b6e95-cda4-483d-a65b-d1f8626916ee","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":"0a354602-9291-4778-bd08-bbf88a7a1d31","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":"01b15430-9518-4018-a60e-9576705fec87","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":"507fde1f-fe17-4a03-b62e-ad4ae0bef173","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":"6863e184-6f61-49e8-bac0-195c5556dc1b","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":"7823e292-1124-4271-aa37-ab3eb16347b8","block_type":"box","text":"Charges explained","page_number":4,"box":{"x":512,"y":645,"width":203,"height":16}},{"id":"e1f988ee-d039-4fb3-b56f-17fb88ef55ae","block_type":"box","text":"C h a r g e s -","page_number":4,"box":{"x":511,"y":676,"width":68,"height":10}},{"id":"a6cee4ff-4f9c-421b-97d4-b839150d99d7","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":"698a77c3-93ba-483e-a512-35077bcea2dc","block_type":"box","text":"policy: annual management charges and fund charges.","page_number":4,"box":{"x":511,"y":688,"width":326,"height":10}},{"id":"d1f9158a-b32f-4ed5-bf04-c7226d62e92b","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":"def62325-e0e9-4052-a7b3-dc79e672aa70","block_type":"box","text":"We take an annual management","page_number":4,"box":{"x":739,"y":711,"width":191,"height":9}},{"id":"b0f84f7d-036b-45b9-8b5a-587a6cd8d12b","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":"b598fc4a-8873-4755-ad69-284c9c89bcc9","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":"9d146477-e4e6-451a-915c-cd0eb3a99cb5","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":"88fe5053-94d7-4035-b35c-80c823e53a4b","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":"90ce7396-e36b-4b25-9d3b-6c7b19b0d27f","block_type":"box","text":"Aviva Pension","page_number":4,"box":{"x":69,"y":51,"width":152,"height":12}},{"id":"41be8964-5c2b-435d-9b6b-b43955a39569","block_type":"box","text":"BlackRock 60:40 Global Equity Index","page_number":4,"box":{"x":295,"y":29,"width":406,"height":16}},{"id":"0113cc42-78f6-41f7-84d5-faa2a4cbb86b","block_type":"box","text":"Tracker","page_number":4,"box":{"x":457,"y":51,"width":81,"height":12}},{"id":"cf60e776-70b3-41d1-962a-14fd803d6d6f","block_type":"box","text":"April 2024","page_number":4,"box":{"x":793,"y":51,"width":109,"height":15}},{"id":"3a2e0359-ca0b-4df0-b9b2-b63a25f8e484","block_type":"box","text":"Risk warnings","page_number":4,"box":{"x":38,"y":97,"width":154,"height":16}},{"id":"b39893eb-fe74-4f2e-a8e6-36f4cf102f7c","block_type":"box","text":"Factsheet produced by Broadridge","page_number":4,"box":{"x":36,"y":977,"width":152,"height":7}},{"id":"ad1da735-24b9-4653-ac2a-77e59658329c","block_type":"box","text":"@Aviva plc","page_number":4,"box":{"x":911,"y":977,"width":49,"height":7}},{"id":"52f7e248-4a7c-43fa-ba61-969ba0552250","block_type":"box","text":"Aviva Life & Pensions UK Limited.","page_number":4,"box":{"x":402,"y":901,"width":191,"height":8}},{"id":"ad63a9da-c6ec-4614-9aaa-25419945dbdc","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":"a9d6e35a-cc34-4d72-a264-b8c6c22a45ea","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":"58832c4d-7b0a-4d7f-814f-6494e6b5f515","block_type":"box","text":"Firm Reference Number 185896.","page_number":4,"box":{"x":409,"y":938,"width":178,"height":8}},{"id":"41515d86-78f2-4674-8f04-899e143cf82b","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":"3b1cb4cd-fe44-4a8c-81be-e69781763507"},"user_id":1000227,"date_created":"2026-06-29T18:28:32.725000Z","date_modified":"2026-07-17T08:56:43.478000Z","private":false}