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Aegon/Scottish Equitable plc

= Download Key Investor Information & Factsheet
Investment name Rating: GIAN ISA SIPP SIPP DD OFB ReReg Sector Type Unit/ share type Initial charge after discount % TER % OCF % AMC % Rebate from AMC % Yield after charges: Pricing Dealing point
Crown Morningstar Analyst Rating from 7% from 6%
Global Eq Tracker ARC Pn 2 N N Y Y N N ABI Global Equities UKP 0.00 0.11 N/A 0.11 0.00 6.40 5.41 Single 4:00PM Daily
  
Objective: This fund aims to achieve capital growth for investors by investing 50% in UK equities (shares) and 50% in overseas equities. It’s a passively managed fund and so aims to match the performance of the key market indices against which it’s measured (the FTSE All Share and the FTSE World ex UK). It does so by investing directly in the companies that make up the indices and via other transferable securities giving exposure to such companies. The fund is regularly rebalanced to maintain the equal weighting between UK and overseas markets.
Growth Core Portf ARC Pn 2 N N Y Y N N ABI Unclassified UKP Acc 0.00 0.26 N/A 0.26 0.00 6.24 5.25 Single 4:00PM Daily
  
Objective: This portfolio aims to provide long-term capital growth while keeping risk in a target volatility range of 12-14% over a market cycle, which the fund manager defines as being three years or more. We’ve engaged Morningstar to help us select and manage the blend of funds it contains. The portfolio is built mainly using a collection of low-cost funds that aim to perform in line with their regional benchmarks, by investing in the same companies as them, in the same proportions. The Growth Core Portfolio invests in a mix of assets, like equities (shares in companies), bonds and property, but with the majority (around 70%) invested in riskier assets, such as equities, including emerging markets equities. This means the portfolio sits towards the upper end of the Core Risk Profile Portfolio range in terms of risk and long-term growth potential.
Growth Slct Ptfl ARC Pn 2 N N Y Y N N ABI Unclassified UKP 0.00 0.79 N/A 0.79 0.00 5.69 4.70 Single 4:00PM Daily
  
Objective: This portfolio aims to provide long-term capital growth while keeping risk in a target volatility range of 12-14% over a market cycle, which the fund manager defines as being three years or more. We’ve engaged Morningstar to help us select and manage the blend of funds it contains. The portfolio is built using our Select Sector Portfolios. Each of the Select Sector Portfolios is made up of what we and Morningstar believe to be the best blend of funds in their respective sectors. The Growth Select Portfolio invests in a mix of assets, like equities (shares in companies), bonds and property, but with the majority (around 70%) invested in riskier assets, such as equities, including emerging markets equities. This means it sits towards the upper end of the Select Risk Profile Portfolio range in terms of risk and long term growth potential.
Grth Plus Slct Pfl ARC Pn 2 N N Y Y N N ABI Unclassified UKP 0.00 0.81 N/A 0.81 0.00 5.66 4.68 Single 4:00PM Daily
  
Objective: This portfolio aims to provide long-term capital growth while keeping risk in a target volatility range of 14-16% over a market cycle, which the fund manager defines as being three years or more. We’ve engaged Morningstar to help us select and manage the blend of funds it contains. The portfolio is built using our Select Sector Portfolios. Each of the Select Sector Portfolios is made up of what we and Morningstar believe to be the best blend of funds in their respective sectors. The Growth Plus Select Portfolio can invest in a mix of assets, like equities (shares in companies), bonds and property, but with the majority (around 90%) invested in riskier assets, such as equities, including emerging markets equities. This makes it our second highest-risk of our Select Risk Profile Portfolios, but with the potential for higher long-term returns.
Gth Plus Core Port ARC Pn 2 N N Y Y N N ABI Unclassified UKP Acc 0.00 0.26 N/A 0.26 0.00 6.24 5.25 Single 4:00PM Daily
  
Objective: This portfolio aims to provide long-term capital growth while keeping risk in a target volatility range of 14-16% over a market cycle, which the fund manager defines as being three years or more. We’ve engaged Morningstar to help us select and manage the blend of funds it contains. The portfolio is built mainly using a collection of low-cost funds that aim to perform in line with their regional benchmarks, by investing in the same companies as them, in the same proportions. The Growth Plus Core Portfolio can invest in a mix of assets, like equities (shares in companies), bonds and property, but with the majority (around 90%) invested in riskier assets, such as equities, including emerging markets equities. This makes it our second highest risk of our Core Risk Profile Portfolios, but with the potential for higher long-term returns.
Hi Yd Corp Bd ARC Pn 3 N N Y Y N N ABI Sterling High Yield UKP 0.00 0.35 N/A 0.35 0.00 6.15 5.16 Single 4:00PM Daily
  
Objective: A defensive high yield fund that aims to perform broadly in line with the ABI £ High Yield sector median, net of fees, by investing in a mix of non-investment grade and investment grade corporate bonds of all maturities.
Index Linked (ARC) Pn 1 N N Y Y N N ABI UK Index - Linked Gilts UKP 0.00 0.21 N/A 0.21 0.00 6.30 5.30 Single 4:00PM Daily
  
Objective: This fund aims to perform broadly in line with the FTSE Actuaries Index-Linked British Government All-Stocks Index, net of fees, by investing primarily in index-linked UK government securities (gilts).
International (ARC) Pn 4 N N Y Y N N ABI Global Equities UKP 0.00 0.34 N/A 0.34 0.00 6.16 5.17 Single 4:00PM Daily
  
Objective: This fund aims to outperform the MSCI AC World ex UK index, net of fees, by investing in a concentrated portfolio of equities (company shares) from around the world.
Intl Bd Sel Pfl ARC Pn 1 N N Y Y N N ABI Global Fixed Interest UKP 0.00 0.51 N/A 0.51 0.00 5.98 4.99 Single 4:00PM Daily
  
Objective: This multi-manager portfolio aims to provide a good level of long-term capital growth by investing in a number of high-quality global fixed interest (bonds) funds from different managers, recommended by independent researchers Morningstar. The portfolio targets returns above the JPMorgan GBI Global Traded Index over rolling three-year periods and Morningstar help us to select and manage the blend of funds on an ongoing basis to help it achieve this.
Investec Asia ExJpnARC Pn 5 N N Y Y N N ABI Asia Pacific excluding Japan Equities UKP 0.00 0.84 N/A 0.84 0.00 5.63 4.65 Single 4:00PM Daily
  
Objective: The Fund aims to achieve long term capital growth primarily through investment in equities issued by companies in the Asia Pacific region, excluding Japan and in derivatives the underlying assets of which are equities issued by companies in the Asia Pacific region, excluding Japan. The Asia Pacific region, excluding Japan includes Australia, Hong Kong, Singapore, Malaysia, Thailand, Taiwan, South Korea, the Philippines, Indonesia, China, India and New Zealand.
Investec Gbl Enrgy ARC Pn 4 N N Y Y N N ABI Commodity/Energy UKP 0.00 0.91 N/A 0.91 0.00 5.56 4.57 Single 4:00PM Daily
  
Objective: This fund aims to achieve long-term growth, mainly through investment in equities (shares) issued by companies around the world involved in the exploration, production or distribution of oil, gas and other energy sources, or companies that service the energy industry. The fund may also invest in derivatives, the underlying assets of which are shares of companies operating in the energy sector.
Invtc Cautious Mgd ARC Pn 1 N N Y Y N N ABI Mixed Investment 20-60% Shares UKP 0.00 0.83 N/A 0.83 0.00 5.64 4.66 Single 4:00PM Daily
  
Objective: This fund targets a return of UK Consumer Prices Index (CPI) +4% per year (before charges) over a five-year rolling period. It does so by investing conservatively around the world in a diverse range of shares of companies (up to 60% of the fund’s value at any time) and bonds. The fund also has the flexibility to invest outside of these asset classes. Derivatives (financial contracts whose value is linked to the price of an underlying asset) may be used for investment purposes (i.e. in order to achieve the fund's investment objectives) or for efficient portfolio management purposes e.g. with the aim of either managing the fund risks or reducing the costs of managing the fund. The Scottish Equitable fund has higher charges than the underlying Investec fund and will therefore be less likely to meet this target.
Japan (ARC) Pn 2 N N Y Y N N ABI Japan Equities UKP 0.00 0.32 N/A 0.32 0.00 6.18 5.19 Single 4:00PM Daily
  
Objective: This fund aims to outperform the FTSE Japan index, net of fees, by investing directly in a wide range of equities (company shares) available in the Japanese stock markets. The fund may also invest in equity-related investments such as convertible bonds.
Japan Eq Tracker ARC Pn 5 Gold N N Y Y N N ABI Japan Equities UKP 0.00 0.10 N/A 0.10 0.00 6.41 5.42 Single 4:00PM Daily
  
Objective: This fund seeks to achieve capital growth by closely tracking the performance of the FTSE Japan Index by investing in companies in the Index. The fund will invest directly and through other transferable securities that give exposure to companies in the Index. The fund may also invest in permitted money market instruments, cash deposits and units in collective investment schemes. Derivatives and forward transactions may be used for the purposes of efficient portfolio management (EPM).
Japnse Eq Sel Pfl ARC Pn 1 N N Y Y N N ABI Japan Equities UKP 0.00 0.84 N/A 0.84 0.00 5.63 4.65 Single 4:00PM Daily
  
Objective: This multi-manager portfolio aims to provide a good level of long-term capital growth by investing in a number of high-quality Japanese equity (shares in companies) funds from different managers, recommended by independent researchers Morningstar. The portfolio targets returns above the IA Japan sector median over rolling three-year periods and Morningstar help us to select and manage the blend of funds on an ongoing basis to help it achieve this.
JPM Emerging Mkts ARC Pn 4 Bronze N N Y Y N N ABI Global Emerging Markets Equities UKP 0.00 0.90 N/A 0.90 0.00 5.57 4.58 Single 4:00PM Daily
  
Objective: This fund aims to achieve long-term capital growth by investing mainly in shares of emerging market companies. The fund may also invest in other investments in smaller proportions, such as fixed interest securities, cash and cash equivalents amongst others.
JPM Eur Dyn ex UK ARC Pn 2 Bronze N N Y Y N N ABI Europe excluding UK Equities UKP 0.00 0.90 N/A 0.90 0.00 5.57 4.58 Single 4:00PM Daily
  
Objective: This fund aims to maximise long-term capital growth by investing mainly in continental European equities (shares). The manager can choose which companies the fund invests in, and there are no restrictions on which European countries, sizes of companies or industrial sectors it invests in.
JPM Gbl (ex-UK) Bd ARC Pn 3 N N Y Y N N ABI Global Fixed Interest UKP 0.00 0.52 N/A 0.52 0.00 5.97 4.98 Single 4:00PM Daily
  
Objective: This fund aims to achieve an income with the prospect of capital growth from investment anywhere in the world, in non-sterling denominated interest-bearing securities (foreign government and non-government bonds) in any economic sector. The fund is primarily hedged back to sterling.
JPM Natrl Resrcs ARC Pn 4 Neutral N N Y Y N N ABI Commodity/Energy UKP 0.00 0.90 N/A 0.90 0.00 5.57 4.58 Single 4:00PM Daily
  
Objective: This fund aims to achieve long-term capital growth by investing mainly in shares of companies worldwide that are engaged in the production and marketing of commodities.
Jupiter China (ARC) Pn 1 N N Y Y N N ABI Global Emerging Markets Equities UKP 0.00 1.05 N/A 1.05 0.00 5.41 4.43 Single 4:00PM Daily
  
Objective: The fund aims to provide a return, after charges, higher than that provided by the MSCI China Index over the long term (at least five years). At least 70% of the fund is invested in shares of companies based in Greater China (including Hong Kong, Macau and Taiwan). Up to 30% of the fund may be invested in other assets, including shares of companies based anywhere in the world, open-ended funds (including funds managed by Jupiter and its associates), cash and near cash. The Scottish Equitable fund has higher charges than the underlying Jupiter fund and will therefore be less likely to meet this target.
Jupiter Jpn Inc ARC Pn 4 N N Y Y N N ABI Japan Equities UKP Acc 0.00 0.99 N/A 0.99 0.00 5.48 4.49 Single 4:00PM Daily
  
Objective: The fund aims to provide income together with the prospect of capital growth in order to provide a return, after charges, higher than that provided by the TOPIX Index over the long term (at least five years). At least 70% of the fund is invested in shares of companies based in Japan. Up to 30% of the fund may be invested in other assets, including shares of companies based anywhere in the world, open-ended funds (including funds managed by Jupiter and its associates), cash and near cash. The Scottish Equitable fund has higher charges than the underlying Jupiter fund and will therefore be less likely to meet this target.
Juptr ErpnSp Sits ARC Pn 2 Neutral N N Y Y N N ABI Europe excluding UK Equities UKP 0.00 1.02 N/A 1.02 0.00 5.45 4.46 Single 4:00PM Daily
  
Objective: The fund aims to provide a return, after charges, higher than that provided by the FTSE World Europe Ex UK Index over the long term (at least five years). At least 70% of the fund is invested in shares of companies based in Europe (excluding the UK). Up to 30% of the fund may be invested in other assets, including shares of companies based anywhere in the world, open-ended funds (including funds managed by Jupiter and its associates), cash and near cash.
Kames Core Plus (ARC) Pn 5 N N Y Y N N ABI Specialist UKP 0.00 0.36 N/A 0.36 0.00 6.14 5.15 Single 4:00PM Daily
  
Objective: This fund aims to outperform the Markit iBoxx Sterling Overall Index, net of fees, by investing in a broad range of fixed income investments of all maturities. It will typically invest in government bonds and investment grade bonds but can also invest in riskier high yield bonds, as well as futures.
Kms Etcl CrpBd ARC Pn 3 N N Y Y N N ABI Sterling Corporate Bond UKP 0.00 0.54 N/A 0.54 0.00 5.95 4.96 Single 4:00PM Daily
  
Objective: This fund aims to maximise total return (income plus capital growth) over any 7-year period by investing in bonds issued by companies or organisations that meet the funds predefined ethical criteria. The fund may invest at least 80% in investment grade corporate bonds, cash and up to 10% in riskier high-yield bonds which have a lower credit rating but the potential for higher returns although there is no guarantee they will achieve them.
Kms High Yld Bd ARC Pn 4 N N Y Y N N ABI Sterling High Yield UKP 0.00 0.66 N/A 0.66 0.00 5.82 4.83 Single 4:00PM Daily
  
Objective: This fund aims to maximise total return (income plus capital) over any 7-year period by investing at least 80% in a portfolio consisting mainly of high-yield corporate bonds. It may hold sterling-denominated bonds and bonds in other currencies, which are hedged back to sterling as well as deposits, money-market instruments, cash and near cash. Derivatives may be used for efficient portfolio management (including hedging to reduce currency risk).
Kms Inv Grade Bd ARC Pn 2 N N Y Y N N ABI Sterling Corporate Bond UKP 0.00 0.77 N/A 0.77 0.00 5.71 4.72 Single 4:00PM Daily
  
Objective: This fund aims to maximise total return (income plus capital growth) over any 7-year period by investing at least 80% in global investment grade corporate bonds in sterling and other currencies. The fund may also invest in deposits, government securities, collective investment schemes, money market instruments, cash and near cash. Derivatives may be used for investment purposes, for example exposure to assets may be gained through the use of derivatives. Derivatives may also be used for efficient portfolio management (including hedging to reduce currency risk).
Kms Strlng CrpBd ARC Pn 3 N N Y Y N N ABI Sterling Corporate Bond UKP 0.00 0.54 N/A 0.54 0.00 5.95 4.96 Single 4:00PM Daily
  
Objective: This fund aims to maximise total return (income plus capital growth) over any 7-year period by investing at least 80% in global investment-grade corporate bonds. The fund may also invest up to 10% in high-yield bonds. It’s also permitted to invest in government bonds, collective investment schemes, deposits, money market instruments, cash and near cash. Derivatives may be used for investment purposes, for example exposure to assets may be gained through the use of derivatives. Derivatives may also be used for efficient portfolio management.
Kms Strtgc Bd ARC Pn 4 N N Y Y N N ABI Sterling Strategic Bond UKP 0.00 0.80 N/A 0.80 0.00 5.68 4.69 Single 4:00PM Daily
  
Objective: This fund aims to maximise total return (income plus capital growth) over any 7-year period by investing at least 80% of the fund in a diverse portfolio of corporate bonds and government and public securities issued anywhere in the world and denominated in any currency, with proportions being flexibly adjusted at different stages of the economic and market cycle. Derivatives may be used for investment purposes, for example exposure to assets may be gained through the use of derivatives. Derivatives may also be used for efficient portfolio management (including hedging to reduce currency risk).
Kms UK Opp ARC Pn 4 N N Y Y N N ABI UK All Companies UKP 0.00 0.80 N/A 0.80 0.00 5.68 4.69 Single 4:00PM Daily
  
Objective: This fund aims to maximise total return (income plus capital growth) over any 7-year period by investing at least 80% in a portfolio of equities (shares) and equity-type securities in companies based primarily in the UK, mainly doing business in the UK or listed on the UK stock market. The fund may also invest up to 20% in equities of non-UK based companies and non-sterling exposure will typically not be hedged back to sterling. Derivatives can be used for efficient portfolio management (including hedging to reduce currency risk).
L&G Pre-RetrmntARCPn 1 N N Y Y N N ABI Sterling Long Bond UKP Acc 0.00 0.10 N/A 0.10 0.00 6.41 5.42 Single 4:00PM Daily
  
Objective: This fund aims to provide diversified exposure to assets that reflect the investments underlying a typical annuity product. The fund invests in LGIM’s index-tracking bond funds to gain exposure to these assets.
Lazard Baln MgdARC Pn 3 N N Y Y N N ABI Mixed Investment 40-85% Shares UKP 0.00 0.35 N/A 0.35 0.00 6.15 5.16 Single 4:00PM Daily
  
Objective: This fund aims to deliver income and capital growth by investing in a diversified portfolio of equities (shares) and bonds. The Fund will typically invest between 40% - 85% in equities and consist of three core components: UK Equity Diversified, Global Equity Select and UK Aggregate Bond.
Lazard Emg Mkts ARC Pn 1 Bronze N N Y Y N N ABI Global Emerging Markets Equities UKP Acc 0.00 0.83 N/A 0.83 0.00 5.64 4.66 Single 4:00PM Daily
  
Objective: This fund aims to achieve capital growth, over at least five years, by investing at least 70% of its value in equities (i.e. shares) and equity-related securities of, or relating to, companies domiciled, incorporated, listed in, or which have a significant portion of their business in emerging market countries. The fund may also invest in other equity related securities including exchange traded and over-the-counter common and preferred stocks, warrants, rights (which are issued by a company to allow holders to subscribe for additional securities issued by that company), depositary receipts and preference shares. The fund can also invest in units or shares of other investment funds, investment grade government and corporate fixed income securities (including convertible debt securities (debt securities that are convertible into the equity securities of the issuer))collective investment schemes, warrants, and rights and cash. The fund may use derivatives for the purpose of efficient portfolio management.
Lazard Eurpn Alpha ARC Pn 3 N N Y Y N N ABI Europe excluding UK Equities UKP 0.00 0.82 N/A 0.82 0.00 5.65 4.67 Single 4:00PM Daily
  
Objective: This fund aims to achieve long-term capital growth in excess of the FTSE World Europe ex UK Index (after charges), over at least five years, by investing a minimum of 80% of the portfolio in equities (company shares) and equity related securities (including shares, common and preferred stock, warrants, and rights ). It will typically invest in between 45 to 60 holdings in European companies. The fund may also use derivatives for the purpose of efficient portfolio management. The fund may also invest in other collective investment schemes, debt related issues of continental European markets, cash and near cash, as well as the use of derivatives for the purpose of efficient portfolio management. The Scottish Equitable fund has higher charges than the underlying fund and is therefore less likely to meet this target.
Lazard Managed Eq ARC Pn 2 N N Y Y N N ABI Global Equities UKP 0.00 0.35 N/A 0.35 0.00 6.15 5.16 Single 4:00PM Daily
  
Objective: This fund aims to achieve long-term growth by investing in a diversified portfolio of both global and UK equities (shares) with a minimum of 50% exposure to UK equities.
Lazard UK Alpha (ARC) Pn 2 N N Y Y N N ABI UK All Companies UKP 0.00 0.65 N/A 0.65 0.00 5.83 4.84 Single 4:00PM Daily
  
Objective: This fund aims to achieve capital growth over at least five years, by investing a minimum of 70% of its value in equities (shares) and equity-related securities (namely, common and preferred stock, including securities subject to an initial public offering, convertible securities, warrants and rights) of companies that are domiciled, incorporated, or which have a significant portion of their business primarily in the UK. The fund will typically hold a concentrated portfolio of between 25 and 35 securities. It invests directly into the underlying Lazard UK Omega fund. The fund may also invest in other collective investment schemes, cash and near cash, as well as the use of derivatives for the purpose of efficient portfolio management.
Lazrd Erp Sm Cos ARC Pn 2 N N Y Y N N ABI Europe including UK Equities UKP 0.00 0.45 N/A 0.45 0.00 6.04 5.05 Single 4:00PM Daily
  
Objective: This fund aims to achieve capital growth, over at least five years, by investing a minimum of 70% of its value in equities (shares) and equity-related securities (namely, common and preferred stock, convertible securities, warrants and rights) of European smaller companies, being generally companies within the market capitalisation range of the MSCI Europe Small Cap Index. The fund may also invest in other collective investment schemes, cash and near cash, as well as the use of derivatives for the purpose of efficient portfolio management.
Legal & Generl Gth ARC Pn 3 N N Y Y N N ABI UK All Companies UKP 0.00 0.80 N/A 0.80 0.00 5.68 4.69 Single 4:00PM Daily
  
Objective: The fund aims to provide capital growth above that of the FTSE All Share TR Index by 4% per year over rolling three year periods (before charges). It does so by investing in a concentrated portfolio mainly (at least 90%) made up of UK equities (shares) that the manager believes have strong growth prospects. Derivatives may also be used for the purposes of efficient portfolio management (EPM). The Scottish Equitable fund has higher charges than the underlying Legal & General fund and will therefore be less likely to meet this target. 
Long Gilt (ARC) Pn 3 N N Y Y N N ABI Sterling Long Bond UKP 0.00 0.21 N/A 0.21 0.00 6.30 5.30 Single 4:00PM Daily
  
Objective: This fund aims to perform broadly in line with the FTSE UK Gilts Over 15 Years Index, net of fees, by investing primarily in UK government bonds (gilts) with maturity dates of 15 years and longer.
LzrdGblEqIncARCPn 1 N N Y Y N N ABI Global Equities UKP Acc 0.00 0.82 N/A 0.82 0.00 5.65 4.67 Single 4:00PM Daily
  
Objective: The fund aims to outperform the MSCI All County World Index, over at least five years, while generating income by investing a minimum of 70% of its value in global equities (shares) and equity related securities, including common and preferred stock and depositary receipts. Using research analysis, the investment manager will seek to identify financially productive and attractively valued securities that are currently or are likely to begin to generate significant income from dividend distributions. The fund's investments will typically consist of holdings in companies having greater than US$300 million (or relevant currency equivalent) in market capitalisation with liquid quoted securities. The fund may also invest in other collective investment schemes, cash and near cash, as well as the use of derivatives for the purpose of efficient portfolio management.
M&G Corporate Bond (ARC) Pn 2 Silver N N Y Y N N ABI Sterling Corporate Bond UKP 0.00 0.61 N/A 0.61 0.00 5.87 4.89 Single 4:00PM Daily
  
Objective: The fund aims to provide a combination of capital growth and income, after charges, higher than the average return of the IA Sterling Corporate Bond Sector over any five-year period. At least 70% of the fund is invested in investment grade bonds issued by companies, denominated in sterling or hedged back to sterling. It can also invest in government and high yield bonds. Investments are selected based on an assessment of macroeconomic, asset, sector and stock-level factors. Spreading investments across issuers, industries and countries is an essential element of the fund’s strategy. The Scottish Equitable fund has higher charges than the underlying M&G fund and will therefore be less likely to meet this target.
M&G Gbl Emg Mkts ARC Pn 1 Neutral N N Y Y N N ABI Global Emerging Markets Equities UKP Acc 0.00 0.95 N/A 0.95 0.00 5.52 4.53 Single 4:00PM Daily
  
Objective: The fund aims to provide a combination of capital growth and income, after charges, that is higher than that of the MSCI Emerging Markets Index over any five-year period. At least 80% of the fund is invested in the shares of companies from across the emerging markets. The fund manager selects stocks from across a range of sectors to identify companies whose long-term prospects are, in the fund manager’s opinion, being undervalued. The fund’s approach incorporates the return on capital, valuations and corporate governance. The fund manager believes that corporate governance and company-specific factors, in particular their profitability, drive share prices over the long run. The Scottish Equitable fund has higher charges than the underlying M&G fund and will therefore be less likely to meet this target.
M&G Global Divdnd ARC Pn 1 Bronze N N Y Y N N ABI Global Equities UKP Acc 0.00 0.86 N/A 0.86 0.00 5.61 4.63 Single 4:00PM Daily
  
Objective: The fund has three aims: to increase the income stream every year; to provide a dividend yield above that available from the MSCI All Countries World Index over any five-year period; and to provide combined income and capital growth that is higher than that of the index over any five-year period. At least 70% of the fund is invested in the shares of companies from anywhere in the world. The fund manager focuses on companies with the potential to grow their dividends over the long term and invests across a wide range of countries, sectors and company sizes. The fund manager selects stocks with different sources of dividend growth to build a fund that has the potential to cope in a variety of market conditions.
M&G Optimal Income (ARC) Pn 1 Silver N N Y Y N N ABI Sterling Strategic Bond UKP 0.00 0.71 N/A 0.71 0.00 5.77 4.78 Single 4:00PM Daily
  
Objective: The fund aims to provide a combination of capital growth and income, after charges, higher than the average return of the IA £ Strategic Bond Sector over any five-year period. At least 50% of the fund is invested in bonds issued by government and companies from anywhere in the world, including emerging markets. These bonds can be denominated in any currency. Up to 20% of the fund may be invested in company shares when the fund manager believes they offer better value than bonds. The fund is a flexible global bond fund, seeking to invest in a combination of assets that together provide the most attractive or ‘optimal’ income stream. The Scottish Equitable fund has higher charges than the underlying M&G fund and will therefore be less likely to meet this target.
M&G Recovery (ARC) Pn 1 Neutral N N Y Y N N ABI UK All Companies UKP 0.00 0.81 N/A 0.81 0.00 5.66 4.68 Single 4:00PM Daily
  
Objective: The fund aims to provide a combination of capital growth and income to deliver a return, after charges, that is higher than that of the FTSE All-Share Index over any five-year period. At least 80% of the fund is invested in the shares of companies that are based, or do most of their business, in the UK. The ‘recovery’ strategy invests in companies that have experienced difficulties but have the potential to turn around. The approach focuses on three key factors: people, strategy and cashflow. Developing a constructive dialogue with company management is fundamental to the investment process. The Scottish Equitable fund has higher charges than the underlying M&G fund and will therefore be less likely to meet this target.
M&G Strtgc Crp Bd ARC Pn 2 Silver N N Y Y N N ABI Sterling Corporate Bond UKP 0.00 0.59 N/A 0.59 0.00 5.90 4.91 Single 4:00PM Daily
  
Objective: The fund aims to provide a combination of capital growth and income, after charges, higher than the average return of the IA Sterling Corporate Bond Sector over any five-year period. At least 70% of the fund is invested in investment grade bonds issued by companies from anywhere in the world, including emerging markets. It can also invest in government and high yield bonds. These bonds can be denominated in any currency. Investments are selected based on an assessment of macroeconomic, asset, sector and stock level factors. Spreading investments across issuers, industries and countries is an essential element of the fund’s strategy. The Scottish Equitable fund has higher charges than the underlying M&G fund and will therefore be less likely to meet this target.
M&G UK Select (ARC) Pn 4 N N Y Y N N ABI UK All Companies UKP 0.00 0.70 N/A 0.70 0.00 5.78 4.79 Single 4:00PM Daily
  
Objective: The fund aims to provide a combination of capital growth and income to deliver a return, after charges, that is higher than that of the FTSE All-Share Index over any five-year period. At least 80% of the fund is invested in the shares of companies that are based, or do most of their business, in the UK. The fund is a concentrated portfolio of fewer than 50 holdings. The strategy invests in companies with sustainable competitive advantages that have the opportunity to reinvest their capital in projects that can deliver the highest rates of return. The fund manager seeks to identify companies that generate rising cashflows and primarily allocate them to grow their businesses and dividends. The Scottish Equitable fund has higher charges than the underlying M&G fund and will therefore be less likely to meet this target.
Man Balanced Managed (ARC) Pn 1 N N Y Y N N ABI Mixed Investment 40-85% Shares UKP 0.00 0.28 N/A 0.28 0.00 6.22 5.23 Single 4:00PM Daily
  
Objective: This fund aims to provide capital growth over the long term (over 5 year rolling periods) by predominantly investing in a portfolio of funds, which in turn invest mainly in UK and overseas equities (shares), with the remainder invested in fixed interest securities (bonds) and cash. The fund's exposure to equities is limited to between 40% and 85% at any time and the fund must hold at least 50% in established market currencies (US dollar, sterling and euro), of which 25% must be in sterling (or assets that have been hedged back to sterling with the aim of eliminating currency risk).
Man GLG Jpn CorAlp ARC Pn 1 Silver N N Y Y N N ABI Japan Equities UKP 0.00 0.90 N/A 0.90 0.00 5.57 4.58 Single 4:00PM Daily
  
Objective: This fund aims to achieve long-term capital growth by outperforming the TOPIX Total Return Index and the Russell/Nomura Large Cap Value Total Return Index, both converted to sterling, in a market cycle of five years. The fund will invest at least 80% of its assets in Japanese companies or companies which derive a substantial part of their revenues from activities in Japan.
Man Stockmarket Mgd ARC Pn 2 N N Y Y N N ABI Flexible Investment UKP 0.00 0.35 N/A 0.35 0.00 6.15 5.16 Single 4:00PM Daily
  
Objective: This fund aims for long-term capital growth over the long-term (over 5 year rolling periods) by predominantly investing in a portfolio of funds, which in turn invest mainly in UK and overseas equities (shares). It may invest up to 100% of its value in equities (shares) including convertibles, of which at least 10% must be overseas equities. It also has the flexibility to hold fixed interest and cash investments, or may choose to diversify by currency, although there is no requirement that it does so. It may also invest in exchange traded funds.
North AmEq Sel Pfl ARC Pn 2 N N Y Y N N ABI North America Equities UKP 0.00 0.78 N/A 0.78 0.00 5.70 4.71 Single 4:00PM Daily
  
Objective: This multi-manager portfolio aims to provide a good level of long-term capital growth by investing in a number of high-quality North American equity (shares in companies) funds from different managers, recommended by independent researchers Morningstar. The portfolio targets returns above the IA North America sector median over rolling three-year periods and Morningstar help us to select and manage the blend of funds on an ongoing basis to help it achieve this.
North American (ARC) Pn 5 Silver N N Y Y N N ABI North America Equities UKP 0.00 0.08 N/A 0.08 0.00 6.44 5.44 Single 4:00PM Daily
  
Objective: This fund aims to achieve capital growth by closely tracking the performance of the FTSE World North America Index by investing in companies in that Index. The fund will invest directly into constituent companies and via other transferable securities that give exposure to companies in the Index.
Nth American Eq Tr ARC Pn 5 Silver N N Y Y N N ABI North America Equities UKP 0.00 0.08 N/A 0.08 0.00 6.44 5.44 Single 4:00PM Daily
  
Objective: This fund aims to achieve capital growth by closely tracking the performance of the FTSE World North America Index by investing in companies in the Index. The fund will invest directly into constituent companies and via other transferable securities that give exposure to companies in the Index. The fund may also invest in permitted money market instruments, cash deposits, and units in collective investment schemes. Derivatives and forward transactions may be used for the purposes of efficient portfolio management (EPM).
Overseas Bond (ARC) Pn 2 N N Y Y N N ABI Global Fixed Interest UKP 0.00 0.28 N/A 0.28 0.00 6.22 5.23 Single 4:00PM Daily
  
Objective: This fund aims to perform broadly in line with the FTSE World Government ex UK Index, net of fees, by investing primarily in bonds issued by governments outside the UK.
Overseas Eq Trakr ARC Pn 3 N N Y Y N N ABI Global Equities UKP 0.00 0.11 N/A 0.11 0.00 6.40 5.41 Single 4:00PM Daily
  
Objective: This fund seeks to achieve long-term capital growth by investing in global equities (shares). It does so by investing in various funds that aim to closely track the performance of appropriate global indices with an emphasis on those from outside the UK. The manager may from time-to-time invest in government bonds (gilts) and other UK or overseas bonds and cash.
Overseas Tactical (ARC) Pn 4 N N Y Y N N ABI Global Equities UKP 0.00 0.31 N/A 0.31 0.00 6.19 5.20 Single 4:00PM Daily
  
Objective: This fund aims to outperform the MSCI AC World ex UK Index, net of fees, by investing in a concentrated portfolio of equities (company shares) from around the world.
Ovrss Crp Bd Trkr ARC Pn 5 Negative N N Y Y N N ABI Global Fixed Interest UKP Acc 0.00 0.10 N/A 0.10 0.00 6.41 5.42 Single 4:00PM Daily
  
Objective: This fund aims to achieve long-term capital growth by tracking closely the performance of the Barclays Capital Global Aggregate Corporate ex UK Index. It does so by investing directly in the corporate bonds that make up the Index and via other transferable securities giving exposure to such companies. The fund may also invest in permitted money market instruments, deposits and collective investment schemes.
Ovrss Gvt Bd Trkr ARC Pn 5 Bronze N N Y Y N N ABI Global Fixed Interest UKP Acc 0.00 0.10 N/A 0.10 0.00 6.41 5.42 Single 4:00PM Daily
  
Objective: The fund aims to achieve long-term capital growth by tracking closely the performance of the JPMorgan Global Government Bond ex UK Index. It does so by investing directly in the government bonds that make up the Index and via other transferable securities giving exposure to such assets. The fund may also invest in permitted money market instruments, deposits, and collective investment schemes.
Pacific (ARC) Pn 4 N N Y Y N N ABI Asia Pacific excluding Japan Equities UKP 0.00 0.36 N/A 0.36 0.00 6.14 5.15 Single 4:00PM Daily
  
Objective: This fund aims to outperform the MSCI AC Asia Pacific ex Japan index, net of fees, by investing in a broad range of equities (company shares) in the Pacific Basin including Australasia and the Indian sub-continent, but excluding Japan.
Pcfc Ex Jpn Eq Tr ARC Pn 5 Bronze N N Y Y N N ABI Asia Pacific excluding Japan Equities UKP 0.00 0.11 N/A 0.11 0.00 6.40 5.41 Single 4:00PM Daily
  
Objective: This fund seeks to closely track the performance of the FTSE World Asia Pacific ex-Japan Index by investing in companies in the Index. The fund will invest directly into constituent companies and via other transferable securities giving exposure to companies in that Index. The fund may also invest in permitted money market instruments, cash deposits and units in collective investment schemes. Derivatives and forward transactions may be used for the purposes of efficient portfolio management (EPM).
Schroder AbsRet Bd ARC Pn 2 N N Y Y N N ABI Specialist UKP 0.00 0.60 N/A 0.60 0.00 5.89 4.90 Single 4:00PM Daily
  
Objective: The fund aims to provide an absolute return of 3-month LIBOR (London Inter-bank Offer Rate) plus 1% (after charges) over rolling 12-month periods by investing directly or indirectly in bonds issued by governments, government agencies and companies worldwide. Absolute returns means the fund seeks a positive return over rolling 12-month periods in all market conditions, but this cannot be guaranteed and your capital is at risk. The fund may also use derivatives with the aim of reducing risk or managing the fund more efficiently; it may also use leverage and take short positions. There's no guarantee that either the target or absolute return will be achieved. The Scottish Equitable fund has higher charges than the underlying Schroder fund and will, therefore, be less likely to meet this target.
Schroder AsnAlpPlusARCPn 4 Silver N N Y Y N N ABI Asia Pacific excluding Japan Equities UKP Acc 0.00 0.94 N/A 0.94 0.00 5.53 4.54 Single 4:00PM Daily
  
Objective: The fund aims to provide capital growth in excess of the MSCI AC Asia ex Japan (Net Total Return) index (after charges) over a 3 to 5-year period by investing in equities of Asian companies, excluding Japan. The fund may use derivatives with the aim of achieving investment gains, reducing risk or managing the fund more efficiently. The Scottish Equitable fund has higher charges than the underlying Schroder fund and will, therefore, be less likely to meet this target.
Schroder Euro Alp ARC Pn 1 N N Y Y N N ABI Europe excluding UK Equities UKP 0.00 0.94 N/A 0.94 0.00 5.53 4.54 Single 4:00PM Daily
  
Objective: The fund aims to provide capital growth in excess of the FTSE World Series Europe ex UK (Gross Total Return) index (after charges) over a 3 to 5-year period by investing in equities of European companies, excluding the UK. The fund is actively managed and invests at least 80% of its assets in a concentrated range of equities of European countries, excluding the UK. The fund typically holds 35 to 60 companies. ‘Alpha' funds invest in companies in which the investment manager has a high conviction that the current share price does not reflect the future prospects for that business. The fund may also invest directly or indirectly in other securities (including in other asset classes), countries (including the UK) , regions, industries or currencies, collective investment schemes (including Schroder funds), warrants and money market instruments, and hold cash. The fund may use derivatives with the aim of reducing risk or managing the fund more efficiently. The Scottish Equitable fund has higher charges than the underlying Schroder fund and will, therefore, be less likely to meet this target.
Schroder GblEmgMktsARCPn 4 N N Y Y N N ABI Global Emerging Markets Equities UKP 0.00 0.96 N/A 0.96 0.00 5.51 4.52 Single 4:00PM Daily
  
Objective: The fund aims to provide capital growth in excess of the MSCI Emerging Markets (Net Total Return) index (after charges) over a 3 to 5-year period by investing in equities of emerging market companies worldwide. The fund may use derivatives with the aim of reducing risk or managing the fund more efficiently. The Scottish Equitable fund has higher charges than the underlying Schroder fund and will, therefore, be less likely to meet this target.
Schroder Income (ARC) Pn 1 Silver N N Y Y N N ABI UK Equity Income UKP 0.00 0.91 N/A 0.91 0.00 5.56 4.57 Single 4:00PM Daily
  
Objective: The fund aims to provide income and capital growth in excess of the FTSE All Share (Gross Total Return) index (after charges) over a 3 to 5 year period by investing in equities of UK companies. The fund is actively managed and invests at least 80% of its assets in a concentrated range of equities of UK companies. These are companies that are incorporated, headquartered or have their principal business activities in the UK. The fund typically holds 30 to 50 companies. The fund focuses on companies that have certain "Value" characteristics. Value is assessed by looking at indicators such as cash flows, dividends and earnings to identify securities which the investment manager believes have been undervalued by the market. The fund may use derivatives with the aim of reducing risk or managing the fund more efficiently. The Scottish Equitable fund has higher charges than the underlying Schroder fund and will, therefore, be less likely to meet this target.
Schroder Strat Cr ARC Pn 1 N N Y Y N N ABI Sterling Strategic Bond UKP 0.00 0.66 N/A 0.66 0.00 5.82 4.83 Single 4:00PM Daily
  
Objective: The fund aims to provide income and capital growth in excess of 3 Month GBP LIBOR (or an equivalent reference rate) (after charges) over a 3 to 5-year period by investing in bonds of UK and European companies but this cannot be guaranteed and your capital is at risk. The fund is actively managed and invests at least 80% of its assets in bonds denominated in sterling (or in other currencies and hedged back into sterling) issued by companies in the UK and Europe. The fund may also invest in bonds issued by companies worldwide and by governments, government agencies and supra-nationals. The fund may invest more than 50% of its assets in below investment grade bonds (as measured by Standard & Poor’s or any other equivalent credit rating agencies) or in unrated bonds. The fund may use derivatives with the aim of achieving investment gains, reducing risk or managing the fund more efficiently; it may also use leverage and take short positions. There's no guarantee that either the target or positive returns will be achieved. The Scottish Equitable version of this fund has higher charges and will therefore be less likely to meet this target.
Schroder Tokyo (ARC) Pn 1 N N Y Y N N ABI Japan Equities UKP 0.00 0.96 N/A 0.96 0.00 5.51 4.52 Single 4:00PM Daily
  
Objective: The fund aims to provide capital growth in excess of the Tokyo Stock Exchange 1st Section (Gross Total Return) index (after charges) over a 3 to 5-year period by investing in equities of Japanese companies. The fund may use derivatives with the aim of reducing risk or managing the fund more efficiently. The Scottish Equitable fund has higher charges than the underlying Schroder fund and will, therefore, be less likely to meet this target.
Schroder UK Al Pl ARC Pn 3 N N Y Y N N ABI UK All Companies UKP 0.00 0.91 N/A 0.91 0.00 5.56 4.57 Single 4:00PM Daily
  
Objective: The fund aims to provide income and capital growth in excess of the FTSE All Share (Gross Total Return) index (after charges) over a 3 to 5-year period by investing in equities of UK companies. The fund is actively managed and invests at least 80% of its assets in a concentrated range of equities of UK companies. These are companies that are incorporated, headquartered or have their principal business activities in the UK. The fund typically holds 30 to 60 companies. ‘Alpha' funds invest in companies in which the investment manager has a high conviction that the current share price does not reflect the future prospects for that business. The fund may use derivatives with the aim of reducing risk or managing the fund more efficiently. The Scottish Equitable fund has higher charges than the underlying Schroder fund and will, therefore, be less likely to meet this target.
Schroder UK Md 250 ARC Pn 2 N N Y Y N N ABI UK All Companies UKP 0.00 0.96 N/A 0.96 0.00 5.51 4.52 Single 4:00PM Daily
  
Objective: The fund aims to provide long term capital growth in excess of the FTSE 250 ex Investment Trusts (Gross Total Return) index (after charges) over a 3 to 5-year period by investing in equities of companies listed in the FTSE 250 ex Investment Trusts. The fund may use derivatives with the aim of reducing risk or managing the fund more efficiently. The Scottish Equitable fund has higher charges than the underlying Schroder fund and will, therefore, be less likely to meet this target.
Schroder UKSmlrCosARCPn 1 N N Y Y N N ABI UK Smaller Companies UKP 0.00 0.91 N/A 0.91 0.00 5.56 4.57 Single 4:00PM Daily
  
Objective: The fund aims to provide capital growth in excess of the FTSE UK Series Small Cap ex Investment Trusts (Gross Total Return) index (after charges) over a 3 to 5 year period by investing in equities of small-sized UK companies. The fund may use derivatives with the aim of reducing risk or managing the fund more efficiently. The Scottish Equitable fund has higher charges than the underlying Schroder fund and will, therefore, be less likely to meet this target.
Schroder US Md Cap ARC Pn 3 Neutral N N Y Y N N ABI North America Equities UKP 0.00 0.91 N/A 0.91 0.00 5.56 4.57 Single 4:00PM Daily
  
Objective: The fund aims to provide capital growth and income in excess of Russell 2500 Total Return Lagged (Gross Total Return) index (after charges) over a 3 to 5 year period by investing in equities of medium-sized US companies. The fund may use derivatives with the aim of reducing risk or managing the fund more efficiently. The Scottish Equitable fund has higher charges than the underlying Schroder fund and will, therefore, be less likely to meet this target.
Scot Eq Advntrs Cr Lf Ptfl ARC Pn 2 N N Y N N N ABI Unclassified UKP Acc 0.00 0.20 N/A 0.20 0.00 6.31 5.31 Single 4:00PM Daily
  
Objective: This fund uses a two-stage investment process called lifestyling. In the early years (the growth stage) it invests in the Adventurous Core Portfolio which aims to provide long-term capital growth while keeping risk in a target volatility range of 16-18% over a market cycle, which the fund manager defines as being three years or more. It invests almost exclusively in riskier assets, such as equities (company shares) with 30% or more in highly volatile emerging markets equities. Six years before the start of your target retirement year (the lifestyle stage), we’ll progressively start switching your investment into our Long Gilt and (in the final two years) Cash funds, with the aim of giving you more certainty about the level of annuity you’ll be able to buy when you retire and to cater for your maximum tax-free cash entitlement, currently 25% of your pension pot. We review our lifestyle funds from time to time and may change how they work if we believe this to be in the best interests of investors.
Scot Eq Aegon Fundsmith Eq ARC Pn 5 Gold N N Y Y N N ABI Global Equities UKP Acc 0.00 1.04 N/A 1.04 0.00 5.42 4.44 Single 4:00PM Daily
  
Objective: The fund mainly invests in equities on a global basis. It follows a set of investment criteria which means the fund mainly invests in a concentrated portfolio of between 20 and 30 stocks. The fund manager's approach is to be a long-term investor in its chosen stocks. The fund won’t adopt short-term trading strategies. The fund won’t invest in derivatives or hedge any currency exposure.
Scot Eq BailGf BalMgd ARC Pn 5 N N Y Y N N ABI Mixed Investment 40-85% Shares UKP 0.00 0.27 N/A 0.27 0.00 6.23 5.24 Single 4:00PM Daily
  
Objective: This fund aims to achieve capital growth over rolling 5 year-periods by investing mainly (at least 90%) in UK and overseas equities. Although the fund has a bias towards equity investments it also invests (up to 10%) in fixed interest securities and cash.
Scot Eq BailGf Gbl Alp Gth ARC Pn 4 Bronze N N Y Y N N ABI Global Equities UKP Acc 0.00 0.37 N/A 0.37 0.00 6.13 5.14 Single 4:00PM Daily
  
Objective: The fund aims to outperform the MSCI ACWI Index  by at least 2% per year over rolling five year periods (after charges) by investing at least 90% in shares of companies anywhere in the world and in any sector. The fund manager will focus on companies which it believes offer above-average profit growth and invests with a long-term (five year) perspective. The fund will typically hold between 70-120 stocks. The Scottish Equitable fund has higher charges than the underlying Baillie Gifford fund and will therefore be less likely to meet this target.
Scot Eq Bal Passive Lfstl ARC Pn 3 N N Y Y N N ABI Mixed Investment 40-85% Shares UKP Acc 0.00 0.11 N/A 0.11 0.00 6.40 5.41 Single 4:00PM Daily
  
Objective: This fund uses a two-stage investment process called lifestyling. In the early years (the growth stage) it invests in our Balanced Passive fund. It's passively managed and invests mainly in UK and overseas equities (shares of companies), fixed interest investments (bonds) and cash. Six years before the start of your target retirement year (the lifestyle stage), we’ll progressively start switching your investment into our Long Gilt and (in the final year) Cash fund, with the aim of giving you more certainty about the level of annuity you’ll be able to buy when you retire and to cater for your maximum tax-free cash entitlement, currently 25% of your pension pot. We review our lifestyle funds from time to time and may change how they work if we believe this to be in the best interests of investors.
Scot Eq Bln Core Lfst Ptfl ARC Pn 3 N N Y N N N ABI Unclassified UKP Acc 0.00 0.25 N/A 0.25 0.00 6.26 5.26 Single 4:00PM Daily
  
Objective: This is a lifestyle fund. In the early years (the growth stage) it invests in the Balanced Core Portfolio which aims to provide long-term capital growth while keeping risk in a target volatility range of 8-10% over a market cycle, which can last three years or more. It invests around 50% in less risky assets, like cash, bonds and property, with around 50% invested in riskier equities (company shares), including some in emerging markets. Six years before the start of your target retirement year (the lifestyle stage), we’ll progressively start switching your investment into our Long Gilt and (in the final two years) Cash funds, with the aim of giving you more certainty about the level of annuity you’ll be able to buy when you retire and to cater for your maximum tax-free cash entitlement, currently 25% of your pension pot. We review our lifestyle funds from time to time and may change how they work if we believe this to be in the best interests of investors.
Scot Eq Bln Plus Cr Lf Ptf ARC Pn 3 N N Y N N N ABI Unclassified UKP Acc 0.00 0.25 N/A 0.25 0.00 6.26 5.26 Single 4:00PM Daily
  
Objective: This is a lifestyle fund. In the early years (the growth stage) it invests in the Balanced Plus Core Portfolio which aims to provide long-term capital growth while keeping risk in a target volatility range of 10-12% over a market cycle, which can last three years or more. It invests around 60% in riskier assets such as company shares, including some emerging markets shares, and around 40% in a mix of less risky assets, like cash, bonds and property. Six years before the start of your target retirement year (the lifestyle stage), we’ll progressively start switching your investment into our Long Gilt and (in the final two years) Cash funds, with the aim of giving you more certainty about the annuity you’ll be able to buy when you retire and to cater for your maximum tax-free cash entitlement, currently 25% of your pension pot. We review our lifestyle funds from time to time and may change how they work if we believe this to be in the best interests of investors.
Scot Eq Corp Bd Trckr ARC Pn 5 Bronze N N Y Y N N ABI Sterling Corporate Bond UKP Acc 0.00 0.10 N/A 0.10 0.00 6.41 5.42 Single 4:00PM Daily
  
Objective: This fund aims to achieve a total return for investors by closely tracking the performance of the Markit iBoxx Sterling Non-Gilts Overall Index by investing in fixed income securities (bonds) contained in the Index. It does so by investing directly in the corporate bonds issued by companies that make up the index and via other transferable securities that give exposure to those companies. The fund may also invest in permitted money market instruments, permitted cash deposits, and units in collective investment schemes.
Scot Eq Cuts Cr Lfst Ptfl ARC Pn 3 N N Y N N N ABI Unclassified UKP Acc 0.00 0.25 N/A 0.25 0.00 6.26 5.26 Single 4:00PM Daily
  
Objective: This is a lifestyle fund. In the early years (the growth stage) it invests in the Cautious Core Portfolio, which aims to provide long-term capital growth while keeping risk in a target volatility range of 6-8% over a market cycle, which can last three years or more. It invests mainly in less risky assets like cash, government bonds (gilts), corporate bonds and property. It will also invest around 30% in riskier equities (shares in companies). Six years before the start of your target retirement year (the lifestyle stage), we’ll progressively start switching your investment into our Long Gilt and (in the final two years) Cash fund, with the aim of giving you more certainty about the level of annuity you’ll be able to buy when you retire and to cater for your maximum tax-free cash entitlement, currently 25% of your pension pot. We review our lifestyle funds from time to time and may change how they work if we believe this to be in the best interests of investors.
Scot Eq Ethical Lftstyl ARC Pn 4 N N Y N N N ABI UK All Companies UKP Acc 0.00 0.30 N/A 0.30 0.00 6.20 5.21 Single 4:00PM Daily
  
Objective: This fund uses a two-stage investment process called lifestyling. In the early years (the growth stage) it invests wholly in the Ethical fund, which aims to maximise its total return (the combination of income plus capital growth) by investing in equities (shares) and equity type securities of companies based in the UK, mainly conducting business in the UK or listed on the UK stockmarket, which meet the fund’s predefined ethical criteria. Six years before the start of your target retirement year (the lifestyle stage), we’ll progressively start switching your investment into our Long Gilt and (in the final year) Cash fund, with the aim of giving you more certainty about the level of annuity you’ll be able to buy when you retire and to cater for your maximum tax-free cash entitlement, currently 25% of your pension pot. We review our lifestyle funds from time to time and may change how they work if we believe this to be in the best interests of investors.
Scot Eq Gbl Eq Trk LS ARC Pn 2 N N Y Y N N ABI Global Equities UKP Acc 0.00 0.11 N/A 0.11 0.00 6.40 5.41 Single 4:00PM Daily
  
Objective: This fund uses a two-stage investment process called lifestyling. In the early years (the growth stage) it invests wholly in the Global Equity Tracker fund. It is passively managed and invests in UK and overseas equities (shares of companies) in roughly the same proportions as its composite benchmark. Five years before the start of your target retirement year (the lifestyle stage), we’ll progressively start switching your investment into our Long Gilt and (in the final year) Cash fund, with the aim of giving you more certainty about the level of annuity you’ll be able to buy when you retire and to cater for your maximum tax-free cash entitlement, currently 25% of your pension pot. We review our lifestyle funds from time to time and may change how they work if we believe this to be in the best interests of investors.
Scot Eq Hend Eg Mt Opps ARC Pn 2 N N Y Y N N ABI Global Emerging Markets Equities UKP 0.00 1.00 N/A 1.00 0.00 5.47 4.48 Single 4:00PM Daily
  
Objective: This fund aims to outperform the MSCI Emerging Markets Index by 2% per year, before charges, over any 5-year period. It does so by investing at least 80% of its assets in a concentrated portfolio of shares (also known as equities) of companies, of any size, in any industry, in emerging markets. The Aegon fund has higher charges than the underlying Janus Henderson fund and will therefore be less likely to meet this target.
Scot Eq Hend Eurpn Sel Opp ARC Pn 3 Neutral N N Y Y N N ABI Europe excluding UK Equities UKP 0.00 0.95 N/A 0.95 0.00 5.52 4.53 Single 4:00PM Daily
  
Objective: This fund aims to achieve long-term (5 years or more) capital growth and income by investing in the shares of European companies.
Scot Eq Hend Strat Bd ARC Pn 4 Silver N N Y Y N N ABI Sterling Strategic Bond UKP 0.00 0.59 N/A 0.59 0.00 5.90 4.91 Single 4:00PM Daily
  
Objective: This fund aims to outperform the IA Sterling Strategic Bond sector average, after charges, over any 5-year period. It does so by investing in a global portfolio of bonds of any quality, including high yield (non-investment grade) bonds, issued by governments or companies. The Scottish Equitable fund has higher charges than the underlying Janus Henderson fund and will therefore be less likely to meet this target.
Scot Eq Hend UK Abs Rtn ARC Pn 5 Neutral N N Y Y N N ABI Specialist UKP Acc 0.00 0.95 N/A 0.95 0.00 5.52 4.53 Single 4:00PM Daily
  
Objective: This fund aims to achieve a positive absolute return, regardless of market conditions, over any 12-month period. The fund also aims to outperform the UK Base Interest Rate, after charges, over any 3-year period. It does so by investing in in shares and makes extensive use of derivatives (complex financial instruments) to take both ‘long’ and ‘short’ positions in companies the investment manager believes will either rise in value (long positions) or fall in value (short positions) meaning that the fund may benefit from either scenario. There’s no guarantee that either the target or positive returns will be achieved. The Scottish Equitable version of this fund has higher charges than the underlying fund and will therefore be less likely to meet its objective.
Scot Eq Hend UK Gilt ARC Pn 3 N N Y Y N N ABI UK Gilts UKP 0.00 0.49 N/A 0.49 0.00 6.00 5.01 Single 4:00PM Daily
  
Objective: This fund aims to outperform the FTSE Actuaries All Stocks Gilt Index by 0.75% per year, before charges, over any 5-year period. It does so by investing at least 80% of its assets in UK government bonds (also known as gilts) of any maturity. The Scottish Equitable fund has higher charges than the underlying Janus Henderson fund and will therefore be less likely to meet this target.
Scot Eq Henderson Caut Mgd ARC Pn 1 N N Y Y N N ABI Mixed Investment 20-60% Shares UKP 0.00 0.69 N/A 0.69 0.00 5.79 4.80 Single 4:00PM Daily
  
Objective: This fund aims to outperform the 50% FTSE All Share + 50% ICE Bank of America Merrill Lynch 5-15 Year Sterling Non-Gilt Index by 1.5% per year, before charges, over any 5-year period. It does so by investing in a combination of shares and bonds in any country. Investment in shares is limited to a maximum of 60% of the funds value at all times. The Aegon fund has higher charges than the underlying Janus Henderson fund and will therefore be less likely to meet this target.
Scot Eq Henderson US Gth ARC Pn 5 Neutral N N Y Y N N ABI North America Equities UKP 0.00 0.94 N/A 0.94 0.00 5.53 4.54 Single 4:00PM Daily
  
Objective: This fund aims to outperform the S&P 500 Index by at least 2.5% per year, before charges, over any 5-year period. It does so by investing at least 80% of its assets in a concentrated portfolio of shares (also known as equities) of companies, of any size, in any industry, in the United States. Companies will have their registered office in or do most of their business (directly or through subsidiaries) in the United States. The Scottish Equitable fund has higher charges than the underlying Janus Henderson fund and will therefore be less likely to meet this target.
Scot Eq Idx Lkd Glt Trk ARC Pn 5 Bronze N N Y Y N N ABI UK Index - Linked Gilts UKP Acc 0.00 0.10 N/A 0.10 0.00 6.41 5.42 Single 4:00PM Daily
  
Objective: This fund aims to closely track the performance of the FTSE Actuaries UK Gilt Index-Linked Over 5 Year Index by investing in fixed income securities. It does so by investing directly in the index-linked gilts (UK government bonds) that make up the Index and via other transferable securities giving exposure to those bonds. The fund may also invest in permitted money-market instruments, permitted cash deposits, and units in collective investment schemes. Derivative and forward transactions may be used for the purposes of efficient portfolio management (EPM).
Scot Eq Invesco Asian (ARC) Pn 2 Bronze N N Y Y N N ABI Asia Pacific excluding Japan Equities UKP 0.00 0.95 N/A 0.95 0.00 5.52 4.53 Single 4:00PM Daily
  
Objective: This fund aims to achieve capital growth by investing mainly in Asian and Australasian equities (shares) but excluding Japanese equities. It may include other Asian and Australasian related investments as well as other investments that the manager considers appropriate; for example, transferable securities, money market instruments, warrants, collective investment schemes, deposits and other permitted investments and transactions.
Scot Eq Invesco Bal Mgd (ARC) Pn 1 N N Y Y N N ABI Mixed Investment 40-85% Shares UKP 0.00 0.30 N/A 0.30 0.00 6.20 5.21 Single 4:00PM Daily
  
Objective: This fund aims to achieve long-term capital growth with some income mainly generated by investing in a portfolio of global equities (shares) and bonds. The fund managers may also include investments they consider appropriate such as transferable securities, money market instruments, warrants, collective investment schemes, deposits and other permitted investments and transactions.
Scot Eq Invesco Corp Bd (ARC) Pn 2 Silver N N Y Y N N ABI Sterling Corporate Bond UKP 0.00 0.81 N/A 0.81 0.00 5.66 4.68 Single 4:00PM Daily
  
Objective: This fund aims to achieve a combination of income and capital growth over the medium to long term by investing mainly in investment grade fixed interest securities (bonds). The fund may also invest in government, unrated and sub-investment grade debt securities, cash, cash equivalents, money market instruments, collective investment schemes and other transferable securities.
Scot Eq Invesco Gbl Eq Inc (ARC) Pn 1 N N Y Y N N ABI Global Equities UKP Acc 0.00 0.92 N/A 0.92 0.00 5.55 4.56 Single 4:00PM Daily
  
Objective: The fund aims to generate a rising level of income together with long-term capital growth by investing primarily in global equities (shares).
Scot Eq Invesco Income (ARC) Pn 1 Negative N N Y Y N N ABI UK All Companies UKP 0.00 0.91 N/A 0.91 0.00 5.56 4.57 Single 4:00PM Daily
  
Objective: This fund aims to achieve a reasonable level of income together with capital growth by investing mainly in UK equities (shares) with the remainder in overseas equities. The fund may also invest in other investments that are considered appropriate, which include transferable securities, money market instruments, warrants, collective investment schemes, deposits and other permitted investments and transactions.
Scot Eq Invesco Stmkt Mgd (ARC) Pn 1 N N Y Y N N ABI Flexible Investment UKP 0.00 0.30 N/A 0.30 0.00 6.20 5.21 Single 4:00PM Daily
  
Objective: This fund aims for above-average long-term growth by investing mainly in an internationally diversified portfolio of equities (shares). It may invest up to 100% of its value in equities, but also has the flexibility to hold fixed interest and cash investments, or may choose to diversify by currency, although there is no requirement that it does so.
Scot Eq Mixed (ARC) Pn 4 N N Y Y N N ABI Mixed Investment 40-85% Shares UKP 0.00 0.21 N/A 0.21 0.00 6.30 5.30 Single 4:00PM Daily
  
Objective: This fund aims to outperform the ABI Mixed Investment 40-85% Shares sector median, net of fees, by investing mainly in a mix of UK and overseas equities. The remainder will be invested in fixed interest securities (bonds) and cash.
Scot Eq Retirement ARC Pn 5 N N Y Y N N ABI Unclassified UKP Acc 0.00 0.09 N/A 0.09 0.00 6.42 5.43 Single 4:00PM Daily
  
Objective: This fund is designed for investors who intend to buy an annuity when they retire. If you are in a lifestyle fund (non-BlackRock) and are within one year of your selected retirement date (SRD), you will automatically be switched into this fund. This fund aims to help preserve the size of pension you can buy through an annuity by investing 75% of the fund in long-dated UK government bonds (gilts) through our Long Gilt fund. The remaining 25% of the fund is invested in our Cash fund, so you can take the maximum tax-free cash sum you’re entitled to when you retire, based on current legislation. You should be aware that, if you don’t move your investment on your SRD, you will remain in this fund until you tell us what you want to do with your pension.
Scot Eq Retirement II ARC Pn 5 N N Y Y N N ABI Unclassified UKP Acc 0.00 0.11 N/A 0.11 0.00 6.40 5.41 Single 4:00PM Daily
  
Objective: This fund is designed for investors who intend to buy an annuity when they retire. If you are in a lifestyle fund (non-BlackRock) and are within one year of your selected retirement date (SRD), you will automatically be switched into this fund. This fund aims to help preserve the size of pension you can buy through an annuity by investing 75% of the fund in long-dated UK government bonds (gilts) through our Long Gilt fund. The remaining 25% of the fund is invested in our Cash fund, so you can take the maximum tax-free cash sum you’re entitled to when you retire, based on current legislation. You should be aware that, if you don’t move your investment on your SRD, you will remain in this fund until you tell us what you want to do with your pension.
Scot Eq Sel Distrbn ARC Pn 1 N N Y Y N N ABI Mixed Investment 20-60% Shares UKP 0.00 0.43 N/A 0.43 0.00 6.06 5.07 Single 4:00PM Daily
  
Objective: This fund aims to outperform the ABI Distribution life sector average with less fluctuation in value than that average. It does this by investing in a mix of equities (shares of companies), fixed interest securities (bonds), property and cash.
Scot Eq Sequel Adven Jrny ARC Pn 1 N N Y Y N N ABI Unclassified UKP Acc 0.00 0.10 N/A 0.10 0.00 6.41 5.42 Single 4:00PM Daily
  
Objective: This fund uses a two-stage investment process. In the early years (growth stage), it aims to provide long-term capital growth by investing in a mix of investment types appropriate to someone with a higher attitude to risk. Five years before the start of your retirement year, it aims to reduce risk by automatically transferring into lower-risk investments (risk reduction stage). There's still a risk your fund value could fall during and at the end of this stage. It assumes you won’t want to take your full tax free cash entitlement. If you don’t take your benefits, you’ll automatically be switched into the Scottish Equitable Sequel Adventurous Journey Retirement fund. Sequel Investments Limited (SIL) is a professional investment advisory firm, owned by Foster Denovo Group. SIL provides the asset allocation model and oversight for all the Sequel funds, for which they receive a fee, paid from the funds’ annual management charge. The fee depends in part on how much money is in these funds.