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Fund Information

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UK

Quartile Performance to 31 May 2017
Fund Objective of the Fund Annual Management Charge Level of Risk Investment Sector Policy Type 1 year 3 years 5 years
Money To invest in short term deposit instruments and preserve capital.
Investors should note that as a result of the persisting low interest rate environment, and once the annual management charge of the fund is taken into account, this fund will produce an overall return close to zero, and may produce negative returns.
0.50% Low Money Market Pension 3rd 2nd 2nd
Life 2nd 3rd 3rd
Gilt and Fixed To produce a level of income with the possibility of capital growth (if for example, interest rates fall), by active investments in gilt edged and other fixed interest investments including money on deposit. 0.50% Low to Medium UK Gilts Pension 2nd 2nd 2nd
Life 1st 1st 2nd
Managed To maximise the overall return from investments covering the UK and overseas equities, gilt-edged and fixed interest stock and property. 0.75% Medium Mixed Investment 40-85% Shares Pension 3rd 3rd 2nd
Life 2nd 3rd 1st
Pelican To achieve long-term capital growth by investing mainly in UK companies. 0.75% Medium UK All Companies Pension 2nd 2nd 3rd
Life 1st 2nd 2nd
UK FTSE All Share Index-Tracking To match as closely as possible, subject to the effect of charges, the capital performance and net income yield of the FTSE. All-Share index. 0.50% Medium n/a # Pension n/a n/a n/a
Life n/a n/a n/a
European To achieve capital growth in the long term by,investing mainly in European companies excluding the UK. 0.75% Medium to Higher Europe Excluding UK Equities Pension 1st 1st 1st
Life 1st 2nd 1st
Far Eastern To achieve capital growth by investing mainly in Far Eastern companies(excluding Japanese). 0.75% Medium to Higher Asia Pacific Excluding Japanese Equities Pension 1st 2nd 2nd
Life 1st 2nd 2nd
International To achieve capital growth in the long term by investing mainly in a diversied global portfolio of companies 0.75% Medium to Higher Global Equities Pension 2nd 2nd 2nd
Life 2nd 2nd 3rd
North American To achieve capital growth in the long term by investing mainly in North American companies. 0.75% Medium to Higher North American Equities Pension 2nd 2nd 1st
Life 3rd 2nd 2nd
Fund of Investment Trusts To achieve capital growth in the long term by investing mainly in investment trust companies. 0.75% Medium to Higher Global Equities Pension 2nd 2nd 2nd
Life 2nd 2nd 2nd
Property To provide investors with a combination of income and growth of capital consistent with a diversified commercial property portfolio. The fund will generally invest in UK commercial property. It may also invest directly or indirectly in any UK property and continental European commercial property.* 1%** Medium to Higher UK Direct Property Pension 3rd 4th 4th
Life 3rd 3rd 4th
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# we do not categorise the UK FTSE All Share Index-Tracking Fund within a sector and therefore do not report quartile performance.
* important information about the Equitable Property Fund can be found by following this link: Property Fund
** The costs of managing the properties and the valuation fees are paid out of the fund. The rate at 31st December 2016 was 0.29%. This means the Total Expenses are currently 1.29%

Irish


Fund Objective of the Fund Annual Management Charge Level of Risk Investment Sector
Irish Money To invest in short term deposit instruments and preserve capital.
Investors should note that as a result of the persisting low interest rate environment, negative returns on overseas deposits and the fund's own annual management charge,this fund's unit price has seen a fall over the period from March 2009 and negative returns are likely to be maintained for the foreseeable future.
0.50% Low Money Market


Fund Objective of the Fund Annual Management Charge Level of Risk Investment Description % weightings 31/03/2017
Irish Managed To maximise the overall return from investments covering European and global equities, gilt-edged and fixed interest stocks. 0.50% Medium Aberdeen European Equity Enhanced 55%
Aberdeen World Government Bond Fund 23%
Aberdeen World Equity Enhanced Index 20%
Aberdeen Sterling Government Bond Fund 1%
Cash 1%
Total 100%
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Offshore - US Dollar


Fund Objective of the Fund Annual Management Charge Level of Risk Investment Sector
Global Bond To achieve a combination of income and long-term total return by primarily investing in a diversified international portfolio of fixed interest securities. 0.50% Low Global Fixed Interest
Global Equity To achieve capital growth in the long-term by investing in a diversified global portfolio of companies. 0.75% Medium Global Equities
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German


Please use this link to access information about German Funds: German Funds

Risk


Level Of Risk Description
Low Return of capital is the priority ahead of potential growth. Growth is likely to be modest but as the investment is not generally guaranteed, it is possible that you could get back less than you invested.
Low to Medium A balance of investments offering some investment security alongside the possibility of long-term investment growth or income. The value of your capital could go up or down.
Medium Long-term growth and/or income are the priority, based on a wider spread of investments. The value of your investment could go up or down.
Medium to High A narrower spread of investments in such areas as UK shares and International shares. The value of the funds can go up and down and potentially by greater amounts than the funds in the medium category.
High The greater potential for high long-term growth or income, but also the highest risk of capital loss. The value of your investment could go up or down, and may do so more frequently and by greater amounts than funds in lower rated risk categories.
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What can I do if the level of risk does not suit my attitude to risk?
If you are not sure if the fund that you are currently invested in provides you with a level of risk you are comfortable with, you may decide to switch to alternative funds. Currently there is no charge to switch between funds, but we reserve the right to introduce one in the future.   We recommend that you speak to an Independent Financial Adviser. You may be charged for this service.

Charges


Are there any other charges?
There is an initial contribution charge when new premiums are paid. Please consult your policy documentation or contact us for further details.
There are no other charges.
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Performance


Fund Manager
All funds are managed by Aberdeen Asset Management.

ABI Investment Sector
We place our funds into sectors which are defined and maintained by the Association of British Insurers (ABI) of which we are a member. The sectors are designed so that it is easier for you to make comparisons between the funds, when deciding which fund is the most suitable for you.
The table shows how your fund compares with similar funds in the same ABI sector. More information on the different sectors can be found on the ABI website www.abi.org.uk

Performance
Quartile rankings are produced by listing all of the funds in the relevant ABI sector from best to worst.

The best 25% are ranked quartile 1, the next 25% are ranked quartile 2, the next 25% are quartile 3 and the bottom 25% are quartile 4.

Looking at the quartile rankings will give you an indication of how a fund has performed within its sector over the various time periods. The quartile performance rankings are provided by Financial Express Analytics. Past performance is no guarantee as to what may happen in the future.

How often should I review my investments?
It is important that you regularly review your unit-linked investments to make sure that they fit your needs and that you are comfortable with the level of risk.

What can I do if I’m not satisfied with the performance of a unit-linked fund?
You may decide to switch to alternative funds.  Currently there is no charge to switch between funds but we reserve the right to introduce one in the future. Please contact us if you wish to switch funds or require further information.