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.
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.
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 investment fund (Pensions)||Secure cash investment fund (Life)|
|Secure cash investment||Secure cash investment|
|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 equity funds (Pensions)||Self-select equity funds (Life)|
|UK FTSE All-Share (All-Share Tracker)||UK FTSE All-Share (All-Share Tracker)|
|UK Equity (Pelican)||UK Equity (Pelican)|
|Asia Pacific Equity (Far Eastern)||Asia Pacific Equity (Far Eastern)|
|European Equity (European)||European Equity (European)|
|Global Equity (International)||Global Equity (International)|
|US Equity (North American)||US Equity (North American)|
|Other funds (Pensions)||Other funds (Life)|
|Fund of Investment Trusts (closed to new investment)||Fund of Investment Trusts (closed to new investment)|
|Property (closed to new investment)||Property (closed to new investment)|
You will find details of individual fund objectives, fund risk rating and performance here.
You will find details of individual fund charges including transaction costs here. Fund charges including transaction costs (30 09 2019)
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
Portfolio 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.
Extraordinary costs - These costs specifically relate to legal or tax claims that are both exceptional and unforeseeable. Please be aware that such extraordinary costs are uncommon, and would not be expected in most years.
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 April 2020.
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.