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Aegon/Scottish Equitable plc

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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 from 7% from 6%
AgnMI Wpl Sv M ARC 1 N N Y N N N ABI Unclassified UKP Acc 0.00 0.22 N/A 0.22 0.00 6.29 5.29 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 Aegon's MI Savings (M) fund, which aims for long-term returns greater than inflation by investing in a broad mix of investments, chosen to suit someone with a medium (M) or average tolerance for risk who's prepared to see some movements both up and down in their fund value in the hope of achieving greater long-term growth. When markets become more volatile, the fund replaces some of its investments with lower-risk assets like cash, which we believe can help to limit the impact of extreme and sustained market falls. Then, six years before the start of your target retirement year (the lifestyle stage) , we’ll progressively start switching your investment into our Long Gilt fund 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.
AgnNtyOnAsaPcfcFrnchs 4 N N Y Y N N ABI Asia Pacific excluding Japan Equities UKP 0.00 0.81 N/A 0.81 0.00 5.66 4.68 Single 4:00PM Daily
  
Objective: The fund aims to achieve long-term capital growth over a five-year rolling period, by investing mainly (at least two-thirds) of the portfolio in shares and related derivatives of 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, New Zealand and Vietnam. The fund may also invest (up to one-third) in other transferable securities, money market instruments, cash or near cash, deposits, up to 10% in units or shares in other funds (which may be managed by a Ninety One group company – formerly known as Investec, or a third party) and derivatives. Derivatives may be used for managing the fund in a way that is designed to reduce risk or cost, generating income or growth with a low level of risk and/or, occasionally, for investment purposes. As a result, the fund may have some exposure to Japanese companies through these investments.
AgnNtyOnCutusMgdARCPn 1 N N Y Y N N ABI Mixed Investment 20-60% Shares UKP 0.00 0.85 N/A 0.85 0.00 5.62 4.64 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 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. The fund may also invest in other transferable securities, money market instruments, cash or near cash, deposits, up to 10% in units or shares of other funds (which may be managed by a Ninety One group company – formerly known as Investec, or a third party) and derivatives, (financial contracts whose value is linked to the price of an underlying asset) which 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 Aegon fund has higher charges than the underlying Ninety One fund and will therefore be less likely to meet this target.
Argn ASI Glbl Wthcl Eq Pn ARC 3 N N Y Y N N ABI Global Equities UKP Acc 0.00 0.87 N/A 0.87 0.00 5.60 4.62 Single 4:00PM Daily
  
Objective: The fund aims to grow capital over the long term (five years or more), targeting a return in line with the FTSE World Index, plus 3% per year (before charges) by investing at least 70% of the portfolio in the shares of international companies around the world. The manager chooses companies on the basis of thorough fundamental company analysis and ethical and socially responsible criteria. The fund may also use derivatives for the purpose of efficient portfolio management. The Scottish Equitable fund has higher charges than the underlying Aberdeen fund and will therefore be less likely to meet this target.
Argnt Eur Al ARC Pn 1 N N Y Y N N ABI Europe excluding UK Equities UKP 0.00 1.22 N/A 1.22 0.00 5.24 4.25 Single 4:00PM Daily
  
Objective: The fund aims to achieve above average, consistent and stable returns by investing in a concentrated portfolio of approximately 30 to 55 equities (shares) (with a maximum of 60) selected from markets in Continental Europe and Ireland.
Artemis Capital (ARC) Pn 2 N N Y Y N N ABI UK All Companies UKP 0.00 0.86 N/A 0.86 0.00 5.61 4.63 Single 4:00PM Daily
  
Objective: The fund aims to provide capital growth over a five-year period. It does so by investing between 80% to 100% in company shares and up to 20% in bonds, cash and near cash, other transferable securities, other funds (up to 10%) managed by Artemis and third-party funds, money market instruments, and derivatives. At least 80% of the fund will be invested in the United Kingdom. The fund may use derivatives for efficient portfolio management purposes to reduce risk and manage the fund efficiently.
Artemis Gbl Gth ARC Pn 1 N N Y Y N N ABI Global Equities UKP 0.00 0.87 N/A 0.87 0.00 5.60 4.62 Single 4:00PM Daily
  
Objective: The fund aims to provide capital growth over a five-year period. It does so by investing between 80% to 100% in company shares globally and up to 20% in bonds, cash and near cash, other transferable securities, other funds (up to 10%) managed by Artemis and third-party funds, money market instruments, and derivatives. The fund may use derivatives for efficient portfolio management purposes to reduce risk and manage the fund efficiently.
Artemis Income (ARC) Pn 3 N N Y Y N N ABI UK Equity Income UKP 0.00 0.68 N/A 0.68 0.00 5.80 4.81 Single 4:00PM Daily
  
Objective: The fund aims to provide income and capital growth over a five-year period. It does so by investing between 80% to 100% in company shares and up to 20% in bonds, cash and near cash, other transferable securities, other funds (up to 10%) managed by Artemis and third-party funds, money market instruments, and derivatives. At least 80% of the fund will be invested in the United Kingdom. The fund may use derivatives for efficient portfolio management purposes to reduce risk and manage the fund efficiently.
Artemis Strtgc Bd ARC Pn 1 N N Y Y N N ABI Sterling Strategic Bond UKP Acc 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 income and capital growth over a five-year period. It does so by investing between 80% to 100% in global bonds (of any credit quality). It can also invest up to 20% in cash and near cash, other transferable securities, other funds (up to 10%) managed by Artemis and third-party funds, money market instruments, company shares, and derivatives. At least 80% of the fund will be invested in assets denominated in sterling or will be hedged back to sterling. The fund may use derivatives for efficient portfolio management purposes to reduce risk and manage the fund efficiently.
Artemis UKSpl Sits ARC Pn 3 N N Y Y N N ABI UK All Companies UKP 0.00 0.84 N/A 0.84 0.00 5.63 4.65 Single 4:00PM Daily
  
Objective: The fund aims to provide capital growth over a five-year period. It does so by investing between 80% to 100% in company shares and up to 20% in bonds, cash and near cash, other transferable securities, other funds (up to 10%) managed by Artemis and third-party funds, money market instruments, and derivatives. The fund invests in companies in the United Kingdom, including companies in other countries that are headquartered or have a significant part of their activities in the United Kingdom. The fund manager seeks companies that are in recovery, need re-financing or are suffering from investor indifference (‘special situations’). These companies often have the potential to deliver significant capital growth. The fund may use derivatives for efficient portfolio management purposes to reduce risk and manage the fund efficiently.
Asian Eq Slct Pfl ARC Pn 3 N N Y Y N N ABI Asia Pacific excluding Japan Equities UKP 0.00 0.93 N/A 0.93 0.00 5.54 4.55 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 Asian equity (shares of companies) funds from different managers, recommended by independent researchers Morningstar. The portfolio targets returns above the IA Asia Pacific ex 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.
Axa Fmlgtn Am Grth ARC Pn 4 N N Y Y N N ABI North America Equities UKP 0.00 0.82 N/A 0.82 0.00 5.65 4.67 Single 4:00PM Daily
  
Objective: The fund aims to achieve long-term capital growth by investing mainly in large and medium-sized companies based in the US, Canada and Mexico that, in the manager's opinion, show above-average profitability, management quality and growth.
Baile Giffrd UK Eq ARC Pn 5 N N Y Y N N ABI UK All Companies UKP 0.00 0.35 N/A 0.35 0.00 6.15 5.16 Single 4:00PM Daily
  
Objective: This fund aims to outperform the FTSE All Share Index by at least 1.0% a year (after charges) over rolling 5-year periods by investing at least 80% directly or indirectly in shares of UK companies of any size and in any sector. The Scottish Equitable fund has higher charges than the underlying Baillie Gifford fund and will therefore be less likely to meet this target.
BailGf Divfd Gth ARC Pn 5 N N Y Y N N ABI Specialist UKP 0.00 0.68 N/A 0.68 0.00 5.80 4.81 Single 4:00PM Daily
  
Objective: The underlying Baillie Gifford fund aims to outperform the UK base rate by at least 3.5% a year (after charges) over rolling five-year periods with an annual volatility under normal circumstances of less than 10%. The fund can invest in a wide range of different asset classes including, but not limited to, equities (shares), government and corporate bonds, emerging market debt, property, forestry, commodities, infrastructure, insurance-linked bonds and absolute return funds. There's no guarantee that either the target or positive returns will be achieved. The Scottish Equitable fund has higher charges and will therefore be less likely to meet this target.
BailGf Hi Yld ARC Pn 3 N N Y Y N N ABI Sterling High Yield UKP 0.00 0.37 N/A 0.37 0.00 6.13 5.14 Single 4:00PM Daily
  
Objective: This fund aims to achieve a total return (income plus capital growth) by investing at least 80% of the portfolio in high-yield sub-investment grade sterling bonds and overseas corporate bonds hedged back to sterling. The fund may also invest in other assets such as derivatives for investment as well as hedging purposes.
BailGf Intl ARC Pn 5 N N Y Y N N ABI Global Equities UKP 0.00 0.38 N/A 0.38 0.00 6.12 5.13 Single 4:00PM Daily
  
Objective: This fund aims to outperform the MSCI ACWI ex-UK Index  by 2% per year (after charges) over rolling 5-year periods by investing at least 90% in a geographically diversified portfolio of companies worldwide, excluding the UK. Its focus is on companies, that in the manager's opinion, offer above average profit and invests in these with a long-term (over 5 years) perspective. The fund will typically hold between 70 to 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.
BaillGiff 60/40 WwEqARCPn 3 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 invests in an internationally diversified portfolio of 60% UK and 40% overseas equities (shares) and aims to outperform its benchmark by at least 1% a year (after charges) over rolling five-year periods. The fund will invest at least 90% directly or indirectly in shares of UK and overseas companies of any size and in any sector, with a bias to UK companies. Any indirect investment will be through collective investment schemes. The Scottish Equitable fund has higher charges than the underlying Baillie Gifford fund and will therefore be less likely to meet this target.
Bal Lfstyl ARC Pn 4 N N Y N N N ABI Mixed Investment 40-85% Shares UKP Acc 0.00 0.21 N/A 0.21 0.00 6.30 5.30 Single 4:00PM Daily
  
Objective: The fund uses a two-stage investment process called lifestyling. It aims to perform better than its benchmark in the early years (the growth stage) and give you more certainty about the amount of pension you can buy via an annuity when you retire (the lifestyle stage). Growth stage: the fund aims to provide long-term capital growth by investing wholly in our Mixed fund, which aims to produce returns greater than the ABI Mixed Investment 40-85% Shares sector median over the long term. It invests in a diversified portfolio of mainly UK equities (shares), but also overseas equities, fixed interest securities and cash. Lifestyle stage: The lifestyle stage starts six years before the start of your target retirement year and recognises that your priorities may change as retirement approaches. It assumes you’ll buy an annuity to provide yourself with an income for life (or a specified number of years) when you retire. We’ll progressively start switching your investment into our Long Gilt fund, with the aim of giving you more certainty about the level of annuity you’ll be able to buy when you retire. We’ll also move some of your pension pot into our Cash fund in the final year of your investment to cater for your maximum tax-free cash entitlement, currently 25% of your pension pot.
Bal Plus Core Port ARC Pn 3 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 8.5-12.5% over a market cycle, which the fund manager defines as being three years or more. The portfolio is built 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 fund invests in mainly riskier assets, including developed and emerging markets equities. It can also invest to a lesser extent in assets traditionally viewed as lower risk, including investment grade corporate bonds, government bonds (gilts) and cash. To be consistent with the target volatility range, the fund would typically be expected to invest between 50-80% in equities. The underlying assumptions that support the volatility and equity ranges are at the fund manager's discretion and are subject to change. This portfolio sits in the middle of our Core Risk Profile Portfolio range in terms of risk and long-term growth potential.
Balanced 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 7-11% over a market cycle, which the fund manager defines as being three years or more. The portfolio is built 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 fund invests in a balanced mix of assets traditionally viewed as lower risk (including investment grade corporate bonds, government bonds (gilts) and cash) and riskier assets (including developed and emerging markets equities). To be consistent with the target volatility range, the fund would typically be expected to invest between 35-65% in equities. The underlying assumptions that support the volatility and equity ranges are at the fund manager's discretion and are subject to change. This portfolio sits towards the lower end of our Core Risk Profile Portfolio range in terms of risk and long-term growth potential.
Balanced Passive (ARC) Pn 2 N N Y Y N N ABI Mixed Investment 40-85% Shares 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 long-term capital growth by investing mainly in UK and overseas equities (shares of companies). The remainder is invested in fixed interest investments (bonds) and cash. The fund is passively managed, so it aims to broadly match the performance of the Association of British Insurers (ABI) Mixed Investment 40-85% Shares sector average. The fund’s performance may not always precisely track the average. For example, when market conditions offer particularly strong opportunities to actively managed funds, the fund’s returns may be lower than the sector average.
Balanced Slct Pfl ARC Pn 2 N N Y Y N N ABI Unclassified UKP 0.00 0.70 N/A 0.70 0.00 5.78 4.79 Single 4:00PM Daily
  
Objective: This portfolio aims to provide long-term capital growth while keeping risk in a target volatility range of 7-11% over a market cycle, which the fund manager defines as being three years or more. The portfolio is built using our Select Sector Portfolios. Each of the Select Sector Portfolios is made up of what the fund manager believes to be the best blend of available funds in their respective sectors. The fund invests in a balanced mix of traditionally lower risk assets (including investment grade corporate bonds, government bonds (gilts) and cash) and traditionally riskier assets such as equities (shares in companies) including developed and emerging markets equities. To be consistent with the target volatility range, the fund would typically be expected to invest between 35-65% in equities. This is the second least risky of the Select Risk Profile Portfolios, so it may not return as much as other portfolios in the range over the longer term. The underlying assumptions that underpin the volatility and equity ranges are subject to change at the fund manager's discretion.
Baln Plus Slct Pfl ARC Pn 2 N N Y Y N N ABI Unclassified UKP 0.00 0.76 N/A 0.76 0.00 5.72 4.73 Single 4:00PM Daily
  
Objective: This portfolio aims to provide long-term capital growth while keeping risk in a target volatility range of 8.5-12.5% over a market cycle, which the fund manager defines as being three years or more. The portfolio is built using our Select Sector Portfolios. Each of the Select Sector Portfolios is made up of what the fund manager believes to be the best blend of available funds in their respective sectors. The fund invests in a mix of riskier assets, such as equities (shares in companies), including developed and emerging markets equities. It can also invest to a lesser extent in traditionally lower risk assets, including investment grade corporate bonds, government bonds (gilts) and cash. To be consistent with the target volatility range, the fund would typically be expected to invest between 50-80% in equities. This means it sits towards the lower end of the Select Risk Profile Portfolio range in terms of risk and long-term growth potential. The underlying assumptions that support the volatility and equity ranges are at the fund manager's discretion and are subject to change.
BlackRk Eurpn Dync ARC Pn 5 N N Y Y N N ABI Europe excluding UK Equities UKP 0.00 0.92 N/A 0.92 0.00 5.55 4.56 Single 4:00PM Daily
  
Objective: This fund aims for long-term capital growth (over 5 or more consecutive years beginning at the point of investment) by investing mainly in the shares of companies incorporated or listed in Europe excluding the UK. The manager focuses on stocks, which exhibit either growth or value characteristics and will choose one or the other depending on which they believe the market will favour. It may also invest in collective investment schemes.
BlackRk Gld & Gnrl ARC Pn 2 N N Y Y N N ABI Commodity/Energy UKP 0.00 1.04 N/A 1.04 0.00 5.42 4.44 Single 4:00PM Daily
  
Objective: This is a specialised fund, which aims to achieve long-term (5 or more consecutive years beginning at the point of investment) capital growth by investing at least 70% of its total assets in global equity securities (e.g. shares) of companies which derive a significant proportion of their income from gold mining or commodities such as precious metals. Owing to the volatile nature of this sector, the fund may fluctuate more significantly than other funds in our range. Derivatives may be used for investment purposes and for the purposes of efficient portfolio management.
BlackRk UK Sm Cos ARC Pn 3 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: This fund aims to achieve long-term capital growth (over 5 or more consecutive years beginning at the point of investment) by investing mainly (at least 70%) in the shares of smaller companies (those whose market capitalisations are similar to that of companies in the Numis Smaller Companies plus AiM ex-Investment Trusts Index) incorporated or listed in the UK which are considered to have above-average growth prospects. It may also invest in collective investment schemes.
BlackRk UK Sp Sits ARC Pn 3 N N Y Y N N ABI UK All Companies UKP 0.00 0.92 N/A 0.92 0.00 5.55 4.56 Single 4:00PM Daily
  
Objective: This fund aims to achieve long-term (5 or more consecutive years beginning at the point of investment) capital growth by investing at least 70% of its total assets in the equity securities (e.g. shares) of companies incorporated or listed in the United Kingdom and will normally have an emphasis on small and medium sized companies. The fund may use derivatives to reduce risk within the portfolio, reduce investment costs and generate additional income.
BlackRk US Dyn ARC Pn 2 N N Y Y N N ABI North America Equities UKP 0.00 0.89 N/A 0.89 0.00 5.58 4.59 Single 4:00PM Daily
  
Objective: This fund aims to achieve long-term capital growth (over 5 or more consecutive years beginning at the point of investment) by investing mainly in the shares of companies incorporated or listed in the United States. The manager focuses on stocks, which exhibit either growth or value characteristics and will choose one or the other depending on which they believe the market will favour. It may also invest in collective investment schemes and other types of investment managed by third parties. Derivatives may be used for investment purposes and for the purposes of efficient portfolio management.
BlackRock Bal Mgd ARC Pn 4 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 provide a return for investors by investing at least 50% of its total assets in a global portfolio of equities (shares) and fixed income securities (bonds). The fund may also invest in other asset classes, such as collective investment schemes, money market instruments and deposits. The fixed income securities and money-market instruments may be issued by governments, government agencies, companies and supranationals (e.g. the International Bank for Reconstruction and Development). The fund will invest in the full range of fixed income securities and money-market instruments which may include investments with a relatively low credit rating or which are unrated. Derivatives may be used for the purposes of efficient portfolio management (EPM). The use of derivatives in EPM is generally to reduce risk, reduce cost or to generate additional income for the fund without increasing risk.
BlackRock Gbl Eq ARC Pn 1 N N Y Y N N ABI Global Equities UKP 0.00 0.30 N/A 0.30 0.00 6.20 5.21 Single 4:00PM Daily
  
Objective: This fund seeks to achieve long-term capital growth (over 5 or more consecutive years beginning at the point of investment) from investment primarily in a global portfolio of equity securities (shares) of successful companies based in, or exercising a significant part of their economic activity in, developed markets. It may also invest in collective investment schemes.
BlackRock UK (ARC) Pn 5 N N Y Y N N ABI UK All Companies UKP 0.00 0.92 N/A 0.92 0.00 5.55 4.56 Single 4:00PM Daily
  
Objective: This fund aims to achieve long-term capital growth (over 5 or more consecutive years beginning at the point of investment) by investing mainly in the shares of larger companies incorporated or listed in the UK. It may also invest in collective investment schemes.
Blck Rk Dyn Div GthARCPn 2 N N Y Y N N ABI Specialist UKP 0.00 0.72 N/A 0.72 0.00 5.76 4.77 Single 4:00PM Daily
  
Objective: This fund aims to deliver a total return over the medium term (3 consecutive years) which exceeds the Bank of England Base Rate by 3.5% (before charges). The fund invests on a global basis at least 80% of its total assets in fixed income securities (such as bonds), money-market instruments (i.e. debt securities with short term maturities), equity securities (e.g. shares), funds, deposits and cash. The fund may also use financial derivatives for investment purposes, efficient portfolio management and with the aim of managing risk and holding indirect exposure to alternative asset classes such as commodities or property. There's no guarantee that either the target or positive returns will be achieved. The Scottish Equitable BlackRock Dynamic Diversified Growth fund has higher charges than the underlying fund and will therefore be less likely to meet this target.
BlkRk UK Abs Alpha ARC Pn 3 N N Y Y N N ABI Specialist UKP 0.00 0.93 N/A 0.93 0.00 5.54 4.55 Single 4:00PM Daily
  
Objective: The fund aims to achieve positive absolute returns for investors (before charges) over a period of 12 months regardless of market conditions. The fund will not be managed against any United Kingdom (UK) equity index. The fund will be managed with the aim of delivering absolute (more than zero) returns on a 12 month basis in any market conditions. Derivatives may be used for the purposes of efficient portfolio management (EPM). The use of derivatives in EPM is generally to reduce risk, reduce cost or to generate additional income for the fund without increasing risk. There's no guarantee that either the target or positive returns will be achieved. The Scottish Equitable fund has higher charges than the underlying fund and is therefore less likely to meet this target. A performance fee may be paid to the manager, which will be included in the fund/total charge in the fund information section.
Cash (ARC) Pn 5 N N Y Y N N ABI Deposit & Treasury UKP Acc 0.00 0.11 N/A 0.11 0.00 6.40 5.41 Single 4:00PM Daily
  
Objective: The fund aims to outperform the LIBID (London Interbank Bid Rate) 7 days, before charges, by investing in short-term, sterling denominated money market instruments such as bank deposits, certificates of deposit and short-term bonds. Instruments held in the portfolio will have a weighted average maturity of no more than 60 days.
Caut Lf Style ARC Pn 1 N N Y N N N ABI Mixed Investment 20-60% Shares UKP Acc 0.00 0.21 N/A 0.21 0.00 6.30 5.30 Single 4:00PM Daily
  
Objective: The Cautious lifestyle fund uses a two-stage investment process called lifestyling. It aims to perform better than its benchmark in the early years (the growth stage), and give you more certainty about the amount of pension you can buy via an annuity when you retire (the lifestyle stage). Growth stage: During the early years of your investment, the Cautious Lifestyle fund aims to provide long-term capital growth by investing in UK equities (shares) and UK fixed interest securities (bonds). It may also, on occasion, invest overseas. Lifestyle stage: The lifestyle stage starts six years before the start of your target retirement year and recognises that your priorities may change as retirement approaches. It assumes you’ll buy an annuity, to provide yourself with an income for life (or a specified number of years), when you retire. We’ll progressively start switching your investment into our Long Gilt fund, with the aim of giving you more certainty about the level of annuity you’ll be able to buy when you retire. We’ll also move some of your pension pot into our Cash fund two years before your target retirement year to cater for your tax-free cash entitlement. You can choose how much of your cash entitlement you want to take, but our process assumes you’ll take the maximum which, based on current legislation, is 25% of your pension pot.
Cautious 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 5.5-9.5% over a market cycle, which the fund manager defines as being three years or more. The portfolio is built 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 fund invests in assets traditionally viewed as lower risk, including investment grade corporate bonds, government bonds (gilts) and cash. It will also invest to a lesser extent in riskier assets, including developed and emerging markets equities. To be consistent with the target volatility range, the fund would typically be expected to invest between 20-50% in equities. The underlying assumptions that support the volatility and equity ranges are at the fund manager's discretion and are subject to change. This is the second least risky of the Core Risk Profile Portfolios, so it may not return as much as other funds in the range over the longer term.
Cautious Slct Ptfl ARC Pn 2 N N Y Y N N ABI Unclassified UKP Acc 0.00 0.68 N/A 0.68 0.00 5.80 4.81 Single 4:00PM Daily
  
Objective: This portfolio aims to provide long-term capital growth while keeping risk in a target volatility range of 5.5-9.5% over a market cycle, which the fund manager defines as being three years or more. The portfolio is built using our Select Sector Portfolios. Each of the Select Sector Portfolios is made up of what the fund manager believes to be the best blend of available funds in their respective sectors. The fund invests mainly in traditionally lower risk assets, including investment grade corporate bonds, government bonds (gilts) and cash. It will also invest to a lesser extent in traditionally riskier assets such as equities (shares in companies), including developed and emerging markets equities. To be consistent with the target volatility range, the fund would typically be expected to invest between 20-50% in equities. This is the least risky of the Select Risk Profile Portfolios, so it may not return as much as other funds in the range over the longer term. The underlying assumptions that support the volatility and equity ranges are at the fund manager's discretion and are subject to change.
Cirilium Balanced (ARC) Pn 2 N N Y Y N N ABI Mixed Investment 20-60% Shares UKP Acc 0.00 1.15 N/A 1.15 0.00 5.31 4.33 Single 4:00PM Daily
  
Objective: The fund aims to achieve capital growth over a period of five years or more through investment markets both in the UK and overseas. The portfolio is broadly diversified across asset classes, with exposure to equities between 20-60% and with volatility of between 6 and 10%.*The volatility range is a target, based on long term actuarial assumptions and the fund is managed to stay within this range most of the time. The volatility range is regularly reviewed and may change from time to time due to changes in these assumptions.
Cirilium Consrtv ARC Pn 1 N N Y Y N N ABI Mixed Investment 0-35% Shares UKP Acc 0.00 1.05 N/A 1.05 0.00 5.41 4.43 Single 4:00PM Daily
  
Objective: The fund aims to achieve capital growth over a period of five years or more through investment in markets both in the UK and overseas. The portfolio is broadly diversified across asset classes, with exposure to equities between 0-30% and with volatility of between 3 and 7%.*The volatility range is a target, based on long term actuarial assumptions and the fund is managed to stay within this range most of the time. The volatility range is regularly reviewed and may change from time to time due to changes in these assumptions.
Cirilium Dynamic (ARC) Pn 2 N N Y Y N N ABI Flexible Investment UKP Acc 0.00 1.15 N/A 1.15 0.00 5.31 4.33 Single 4:00PM Daily
  
Objective: The fund aims to achieve capital growth over a period of five years or more through investment in markets both in the UK and overseas. The portfolio is broadly diversified across asset classes, with exposure to equities between 50-90% and with volatility of between 12 and 16%.*The volatility range is a target, based on long term actuarial assumptions and the fund is managed to stay within this range most of the time. The volatility range is regularly reviewed and may change from time to time due to changes in these assumptions.
Cirilium Moderate (ARC) Pn 2 N N Y Y N N ABI Mixed Investment 40-85% Shares UKP Acc 0.00 1.15 N/A 1.15 0.00 5.31 4.33 Single 4:00PM Daily
  
Objective: The fund aims to achieve capital growth over a period of five years or more through investment markets both in the UK and overseas. The portfolio will be broadly diversified across asset classes, with exposure to equities between 40-85% and with volatility of between 9 and 13%.* The volatility range is a target, based on long term actuarial assumptions and the fund is managed to stay within this range most of the time. The volatility range is regularly reviewed and may change from time to time due to changes in these assumptions.
Consertv Core Pfl ARC Pn 2 N N Y Y N N ABI Unclassified UKP 0.00 0.25 N/A 0.25 0.00 6.26 5.26 Single 4:00PM Daily
  
Objective: This portfolio aims to provide long-term capital growth while keeping risk in a target volatility range of 4-8% over a market cycle, which the fund manager defines as being three years or more. The portfolio is built 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 fund invests in assets traditionally viewed as lower risk, including investment grade corporate bonds, government bonds (gilts) and cash. It will also invest a limited amount in riskier assets, including developed and emerging market equities. To be consistent with the target volatility range, the fund would typically be expected to invest between 5-35% in equities. The underlying assumptions that support the volatility and equity ranges are at the fund manager's discretion and are subject to change. This is the least risky of the Core Risk Profile Portfolios, so it may not return as much as our other portfolios in the range over the longer term.
Contl Euro Eq Tr ARC Pn 5 N N Y Y N N ABI Europe excluding UK Equities UKP 0.00 0.11 N/A 0.11 0.00 6.40 5.41 Single 4:00PM Daily
  
Objective: The aim of the fund is to provide a return for investors by closely tracking the performance of the FTSE World Europe ex UK Index. It targets this return by investing directly in companies listed on the index and at times investing indirectly via other equity related investments that give exposure to such companies. The fund may also invest in other asset classes, such as money market instruments, deposits, collective investment schemes or other liquid assets. Derivatives may be used for the purposes of efficient portfolio management (EPM).
Distribution (ARC) Pn 1 N N Y Y N N ABI Mixed Investment 20-60% 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 20-60% Shares sector median, net of fees, by investing in a mix of UK equities (shares) that offer a dividend yield higher than the average for companies in the FTSE All Share Index and sterling denominated fixed interest securities (bonds). It may also, on occasion, invest in overseas, property and derivatives.
Dyn Lfstyl ARC Pn 4 N N Y N N N ABI Global Equities UKP Acc 0.00 0.26 N/A 0.26 0.00 6.24 5.25 Single 4:00PM Daily
  
Objective: The fund uses a two-stage investment process called lifestyling. It aims to perform better than its benchmark in the early years (the growth stage) and give you more certainty about the amount of pension you can buy via an annuity when you retire (the lifestyle stage). Growth stage: the fund aims to provide long-term capital growth by investing wholly in our Global fund, which in turn invests in several of our regional and specialist funds. The Global fund mainly invests in equities (shares) in a range of international companies, but may also hold a small proportion in fixed income (bonds) and cash. Lifestyle stage: The lifestyle stage starts five years before the start of your target retirement year and recognises that your priorities may change as retirement approaches. It assumes you’ll buy an annuity to provide yourself with an income for life (or a specified number of years) when you retire. We’ll progressively start switching your investment into our Long Gilt fund, with the aim of giving you more certainty about the level of annuity you’ll be able to buy when you retire. We’ll also move some of your pension pot into our Cash fund in the final year of your investment to cater for your tax-free cash entitlement. You can choose how much of your cash entitlement you want to take, but our process assumes you’ll take the maximum which, based on current legislation, is 25% of your pension pot.
Emerg Mkts Eq Trkr ARC Pn 5 N N Y Y N N ABI Global Emerging Markets Equities UKP 0.00 0.13 N/A 0.13 0.00 6.38 5.39 Single 4:00PM Daily
  
Objective: This fund aims to achieve capital growth by closely tracking the performance of the FTSE Emerging Index by investing in companies that make up the Index. It invests directly in companies in the Index and through other transferable securities that give exposure to such companies. The fund may also invest in permitted money market instruments, cash deposits and units in collective investment schemes.
Ethical (ARC) Pn 4 N N Y Y N N ABI UK All Companies UKP 0.00 0.31 N/A 0.31 0.00 6.19 5.20 Single 4:00PM Daily
  
Objective: The fund aims to provide long-term capital growth by investment in equities (shares) and equity type securities of companies based in the UK, mainly conducting business in the UK or listed on the UK stock market, which meet the fund's predefined ethical criteria. The application of its ethical criteria means the fund may have a bias towards small and medium-sized companies.
Ethical Cautious (ARC) Pn 3 N N Y Y N N ABI Mixed Investment 20-60% Shares UKP 0.00 0.33 N/A 0.33 0.00 6.17 5.18 Single 4:00PM Daily
  
Objective: This fund aims to outperform the ABI Mixed investments 20-60% Shares sector median, net of fees, by investing in a diversified portfolio of UK equities (company shares), fixed interest securities (bonds), and cash, which meet the fund’s predefined ethical criteria.
Ethical Managed (ARC) Pn 1 N N Y Y N N ABI Mixed Investment 40-85% Shares UKP Acc 0.00 0.39 N/A 0.39 0.00 6.11 5.12 Single 4:00PM Daily
  
Objective: This fund aims to provide a combination of income and long-term capital growth by investing in a diversified portfolio of UK equities (shares of companies), fixed interest securities (bonds), and cash, which meet the fund’s predefined ethical criteria. To achieve this, the fund invests 50% in our Ethical fund and 50% in our Ethical Cautious fund. The application of our ethical criteria means the fund may have a bias towards small and medium sized companies. The fund’s exposure to equities will be limited to a maximum of 85% of the fund’s value at all times.
European (ARC) Pn 3 N N Y Y N N ABI Europe excluding UK 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 FTSE World Europe ex UK index, net of fees, by investing in equities (shares) across the range of European (ex UK) countries and sectors.
European Tactical (ARC) Pn 3 N N Y Y N N ABI Europe excluding UK 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 outperform the FTSE World Europe (ex UK) Index, net of fees, by investing in a concentrated portfolio of European equities (company shares) across all major industrial sectors of the European (ex UK) equity market.
Eurpen Eq Sel Pfl ARC Pn 3 N N Y Y N N ABI Europe excluding UK Equities UKP 0.00 0.83 N/A 0.83 0.00 5.64 4.66 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 European equity (shares of companies) funds from different managers, recommended by independent researchers Morningstar. The portfolio targets returns above the IA Europe ex UK 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. This means the underlying funds and the weightings in those funds may change. The additional charges/expenses may change when funds are replaced, added or removed from the portfolio or weightings between funds are changed.
External Bal Cltn ARC Pn 3 N N Y Y N N ABI Mixed Investment 40-85% Shares UKP 0.00 0.39 N/A 0.39 0.00 6.11 5.12 Single 4:00PM Daily
  
Objective: This collection gives you the opportunity to invest in a mix of funds from five of our investment managers, currently Baillie Gifford, BlackRock, Newton, Man Group and UBS Global Asset Management. Each of these underlying funds invests in a diversified portfolio of equities (shares of companies) as well as fixed interest securities (bonds) and cash with the aim of providing consistent long-term capital growth. The funds are permitted to hold between 40% and 85% in equities, but must hold at least 50% in established market currencies (US dollar, sterling and the euro), of which 25% must be in sterling (or assets that have been hedged back to sterling with the aim of eliminating currency risk).
Extrn Stkmkt Clctn ARC Pn 2 N N Y Y N N ABI Flexible Investment UKP 0.00 0.46 N/A 0.46 0.00 6.03 5.04 Single 4:00PM Daily
  
Objective: This collection gives you the opportunity to invest in a mix of funds from four of our external investment managers, currently Baillie Gifford, Man Group, Invesco and Lazard. Each of these underlying funds aims to achieve long-term capital growth by investing in a portfolio of up to 100% UK and overseas equities (shares of companies). Each fund has the flexibility to hold fixed interest and cash investments, or may choose to diversify by currency.
Fdlty Asia ARC 4 N N Y Y N N ABI Asia Pacific excluding Japan Equities UKP 0.00 1.19 N/A 1.19 0.00 5.27 4.28 Single 4:00PM Daily
  
Objective: This fund aims to achieve long-term capital growth over a period of five years or more by investing at least 70% in the shares of companies throughout Asia, excluding Japan. Derivatives may also be used for the purposes of efficient portfolio management (EPM) or for investment purposes.
Fdlty Mnybldr Inc ARC Pn 3 N N Y Y N N ABI Sterling Corporate Bond UKP 0.00 0.56 N/A 0.56 0.00 5.93 4.94 Single 4:00PM Daily
  
Objective: This fund aims to achieve an income from a portfolio at least 70% invested in sterling-denominated investment grade (or hedged back to sterling) bonds. Derivatives may also be used for the purposes of efficient portfolio management (EPM) or for investment purposes.
Fidelity American (ARC) Pn 3 N N Y Y N N ABI North America Equities UKP 0.00 0.92 N/A 0.92 0.00 5.55 4.56 Single 4:00PM Daily
  
Objective: This fund aims to achieve long-term capital growth over a period of five years or more by investing at least 70% in the shares of US companies. Derivatives may also be used for the purposes of efficient portfolio management (EPM) or for investment purposes.
Fidelity European (ARC) Pn 4 N N Y Y N N ABI Europe excluding UK Equities UKP 0.00 1.17 N/A 1.17 0.00 5.29 4.30 Single 4:00PM Daily
  
Objective: This fund aims to achieve long-term capital growth over a period of five years or more by investing at least 80% in equities of companies from continental Europe. Derivatives may also be used for the purposes of efficient portfolio management (EPM) or for investment purposes.
Fidelity Eurpn OppARCPn 2 N N Y Y N N ABI Europe excluding UK Equities UKP 0.00 0.93 N/A 0.93 0.00 5.54 4.55 Single 4:00PM Daily
  
Objective: This fund aims to achieve long-term capital growth over a period of five years or more by investing at least 70% in the shares of Continental European companies. The portfolio will consist of a blend of investments in larger, medium-sized and smaller companies. The fund will aim to hold a concentrated portfolio of between 30-50 stocks. However, the fund manager isn’t restricted in the choice of company either by size or industry, or in terms of the geographical split of the portfolio, which is largely determined by the availability of attractive investment opportunities rather than the outlook for each market. Derivatives may also be used for the purposes of efficient portfolio management (EPM) or for investment purposes.
Fidelity Extra Inc ARC Pn 1 N N Y Y N N ABI Sterling Strategic Bond UKP 0.00 0.79 N/A 0.79 0.00 5.69 4.70 Single 4:00PM Daily
  
Objective: This fund aims to achieve an income from a portfolio at least 70% invested in a combination of investment grade UK corporate and government bonds and other fixed-income and money-market securities, preference shares and convertibles. Derivatives may also be used for the purposes of efficient portfolio management (EPM) or for investment purposes.
Fidelity Gbl Focus ARC Pn 5 N N Y Y N N ABI Global Equities UKP 0.00 0.93 N/A 0.93 0.00 5.54 4.55 Single 4:00PM Daily
  
Objective: This fund aims to achieve long-term capital growth over a period of five years or more from a portfolio at least 80% invested in equities (shares) of companies from around the world, including some deemed to be emerging markets. The fund will aim to hold a concentrated portfolio of between 40-60 stocks. Derivatives may also be used for the purposes of efficient portfolio management (EPM) or for investment purposes.
Fidelity Sp Sits ARC Pn 1 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 long-term capital growth over a period of five years or more from a portfolio at least 70% invested in shares of UK companies. Derivatives may also be used for the purposes of efficient portfolio management (EPM) or for investment purposes.
Fidelity Strtg Bd ARC Pn 2 N N Y Y N N ABI Sterling Strategic Bond UKP 0.00 0.67 N/A 0.67 0.00 5.81 4.82 Single 4:00PM Daily
  
Objective: This fund aims to achieve an income with the possibility of capital growth from a portfolio at least 70% invested in sterling-denominated (or hedged back to sterling) fixed interest securities, which could include some investment in countries considered as emerging markets. Derivatives may also be used for the purposes of efficient portfolio management (EPM) or for investment purposes.
Gbl EmgMtEq SelPfl ARC Pn 3 N N Y Y N N ABI Global Emerging Markets Equities UKP Acc 0.00 0.87 N/A 0.87 0.00 5.60 4.62 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 emerging market equity (shares in companies) funds from different managers, recommended by independent researchers Morningstar. The portfolio targets returns above the IA Global Emerging Markets 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.
Global (ARC) Pn 4 N N Y Y N N ABI Global Equities UKP 0.00 0.26 N/A 0.26 0.00 6.24 5.25 Single 4:00PM Daily
  
Objective: This fund aims to outperform the ABI Global Equities sector median, net of fees, by investing mainly in UK and overseas equities . It can invest 100% in equities but may hold up to 20% in fixed interest securities (bonds) and cash, although there’s no requirement that it does so.
Global Eq Tracker ARC Pn 1 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.
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 10.5-14.5% over a market cycle, which the fund manager defines as being three years or more. The portfolio is built 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 fund invests mainly in riskier assets including developed and emerging markets equities. It can also invest to a lesser extent in assets traditionally viewed as lower risk, including investment grade corporate bonds, government bonds (gilts) and cash. To be consistent with the target volatility range, the fund would typically be expected to invest between 65-95% in equities. The underlying assumptions that support the volatility and equity ranges are at the fund manager's discretion and are subject to change. 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 0.77 N/A 0.77 0.00 5.71 4.72 Single 4:00PM Daily
  
Objective: This portfolio aims to provide long-term capital growth while keeping risk in a target volatility range of 10.5-14.5% over a market cycle, which the fund manager defines as being three years or more. The portfolio is built using our Select Sector Portfolios. Each of the Select Sector Portfolios is made up of what the fund manager believes to be the best blend of available funds in their respective sectors. The fund predominantly invests in riskier assets, such as equities (shares in companies), including developed and emerging markets equities. It can also invest to a lesser extent in traditionally lower risk assets, including investment grade corporate bonds, government bonds (gilts) and cash. To be consistent with the target volatility range, the fund would typically be expected to invest between 65-95% in 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. The underlying assumptions that support the volatility and equity ranges are at the fund manager's discretion and are subject to change.
Grth Plus Slct Pfl 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 12-16% over a market cycle, which the fund manager defines as being three years or more. The portfolio is built using our Select Sector Portfolios. Each of the Select Sector Portfolios is made up of what the fund manager believes to be the best blend of available funds in their respective sectors. The fund predominantly invests in riskier assets, such as equities (shares in companies), including developed and emerging markets equities. It can also invest to a lesser extent in traditionally lower risk assets, including investment grade corporate bonds, government bonds (gilts) and cash. To be consistent with the target volatility range, the fund would typically be expected to invest between 75-100% in equities. This makes it our second highest-risk of our Select Risk Profile Portfolios, but with the potential for higher long-term returns. The underlying assumptions that support the volatility and equity ranges are at the fund manager's discretion and are subject to change.
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 12-16% over a market cycle, which the fund manager defines as being three years or more. The portfolio is built 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 fund invests mainly in riskier assets, including developed and emerging markets equities. It can also invest to a lesser extent in assets traditionally viewed as lower risk, including investment grade corporate bonds, government bonds (gilts) and cash. To be consistent with the target volatility range, the fund would typically be expected to invest between 75-100% in equities. The underlying assumptions that support the volatility and equity ranges are at the fund manager's discretion and are subject to change. 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 4 N N Y Y N N ABI Sterling High Yield UKP 0.00 0.39 N/A 0.39 0.00 6.11 5.12 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 5 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 2 N N Y Y N N ABI Global Fixed Interest UKP 0.00 0.50 N/A 0.50 0.00 5.99 5.00 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.
Japan (ARC) Pn 2 N N Y Y N N ABI Japan 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 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 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 0.75 N/A 0.75 0.00 5.73 4.74 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 5 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 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 4 N N Y Y N N ABI Global Fixed Interest UKP 0.00 0.53 N/A 0.53 0.00 5.96 4.97 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 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 1.03 N/A 1.03 0.00 5.43 4.45 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 3 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 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.
L&G Pre-RetrmntARCPn 1 N N Y Y N N ABI Sterling Long Bond UKP Acc 0.00 0.08 N/A 0.08 0.00 6.44 5.44 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 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 2 N N Y Y N N ABI Europe excluding UK Equities UKP 0.00 0.84 N/A 0.84 0.00 5.63 4.65 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 1 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 0.82 N/A 0.82 0.00 5.65 4.67 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. 
Legal &GnrlUK Prop ARC Pn 5 N N Y Y N N ABI UK Direct Property UKP 0.00 0.63 N/A 0.63 0.00 5.85 4.86 Single 4:00PM Daily
  
Objective: The fund aims to achieve a combination of income and capital growth by investing mainly in a diverse portfolio of UK commercial properties . Derivatives may also be used for the purposes of efficient portfolio management (EPM).
Long Gilt (ARC) Pn 1 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 0.83 N/A 0.83 0.00 5.64 4.66 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 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 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 2 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 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 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.