Fund information, factsheets, objectives and charges (heritage Equitable Life)

Here's where you can find out more about our extended fund range. You have three choices of investment strategy for pensions and two for life, which you can use individually or combine.

J P Morgan Asset Management

We are delighted to introduce our new investment partner, J.P. Morgan Asset Management, an investment manager with a 150-year history and the scale and expertise that we believe would be necessary to help your money grow over time. Some of the investment funds we offer may also hold investments managed by Aberdeen Standard Investments.

Fund factsheets

To view a fund factsheet, click on the fund name below. Factsheets for the three new Multi-Asset funds, the new Sterling Corporate Bond funds, and the Secure cash investment funds will be available from February 2020. For funds transferring from Equitable Life, the old name is shown in brackets.

The value of investments and the income from them can go down as well as up and you may get back less than you invested. Past performance is not a reliable indicator of what might happen in the future. 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.

Secure cash fund

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Secure cash fund (Pensions) Secure cash fund (Life)
Secure cash Secure cash

Multi-Asset funds

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Multi-Asset funds (Pensions) Multi-Asset funds (Life)
Multi-Asset Cautious Multi-Asset Cautious
Multi-Asset Moderate Multi-Asset Moderate
Multi-Asset Growth Multi-Asset Growth

Self-select funds

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Self-select bond funds (Pensions) Self-select bond funds (Life)
UK Government Bond (Gilt and Fixed Interest) UK Government Bond (Gilt and Fixed Interest)
Sterling Corporate Bond Sterling Corporate Bond
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Self-select money market funds (Pensions) Self-select money market funds (Life)
Money Market (Money) Money Market (Money)

Other funds

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International offshore funds

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Objectives and performance

You will find details of individual fund objectives, fund risk rating and performance here.

Fund Objectives and Performance

Fund charges

You will find details of individual fund charges including transaction costs here. Fund charges including transaction costs (30 09 2019)

Fund charges for the new Multi-Asset funds, Sterling Corporate Bond funds, and the Secure cash investment funds

Annual management charge

Annual management charges for the Multi-asset funds and the Sterling corporate bond funds are 0.75% p.a. and 0.50% p.a. for the Secure cash investment funds. These charges are deducted daily from the investment funds and reflected in fund prices.

Other investment costs not included in the Annual management charge

Transaction charges - These costs are not included in the annual management charge and are only incurred when a fund manager buys or sells underlying investments held in a fund. They are variable, and not included in the annual management charge. The estimated additional costs are expected to be in the range of 0.2% - 0.3% for the Multi-asset and Sterling corporate bond funds, and 0.0% - 0.05% for the Secure cash investment funds.

Information for the new funds will be added to document under Fund charges above, and updated quarterly from June 2020.

Fund and market updates

You will find details of our fund and markets update bulletin here.

Market Update January 2020

You will find an update on our Property Fund here.

Property Fund update 6 December 2019

Time-tested strategies for achieving your long-term investment goals

The key to successful investing isn’t trying to predict the future, but learning from the past and understanding the present. Staying focused and not being swayed by the market’s daily ups and downs is key.

Plan for a long life

Staying invested matters

Cash is rarely king

Diversification works