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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 from 7% from 6%
M&G Strtgc Crp Bd ARC Pn 2 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 0.71 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 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 0.25 N/A 0.25 0.00 6.26 5.26 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 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 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 1 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 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 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 5 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 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 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 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 0.35 N/A 0.35 0.00 6.15 5.16 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 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).
Property (ARC) Pn 5 N N Y Y N N ABI UK Direct Property UKP 0.00 0.61 N/A 0.61 0.00 5.87 4.89 Single 4:00PM Daily
  
Objective: The fund aims to maximise returns through capital and rental growth and outperform the ABI UK Direct Property sector median over a rolling three-year period. It can invest directly in UK office, retail and industrial property and can invest up to 15% in property related equities (shares). The fund may, from time to time, hold a significant amount in cash.
Property Slct Pfl ARC Pn 5 N N Y Y N N ABI UK Direct Property UKP 0.00 0.76 N/A 0.76 0.00 5.72 4.73 Single 4:00PM Daily
  
Objective: This multi-manager portfolio aims to provide a good level of long-term capital growth by investing mainly in a number of high-quality commercial property funds from different managers, recommended by independent researchers Morningstar. The portfolio targets returns above the IA Property 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.
Schroder AbsRet Bd ARC Pn 2 N N Y Y N N ABI Specialist UKP 0.00 0.62 N/A 0.62 0.00 5.86 4.87 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 3 N N Y Y N N ABI Asia Pacific excluding Japan Equities UKP Acc 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 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 0.95 N/A 0.95 0.00 5.52 4.53 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 3 N N Y Y N N ABI Global Emerging Markets Equities UKP 0.00 0.95 N/A 0.95 0.00 5.52 4.53 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 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 Tokyo (ARC) Pn 1 N N Y Y N N ABI Japan Equities UKP 0.00 0.97 N/A 0.97 0.00 5.50 4.51 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 2 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 13.5-17.5% 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 almost exclusively in riskier assets, including developed and emerging markets equities (company shares). To be consistent with the target volatility range, the fund would typically be expected to invest between 85-100% in equities. The underlying assumptions that support the volatility and equity ranges are at the fund manager's discretion and are subject to change. 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 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 5 N N Y Y N N ABI Global Equities UKP Acc 0.00 0.38 N/A 0.38 0.00 6.12 5.13 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 2 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 2 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 7-11% over a market cycle, which can last 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 (company shares). 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. 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 8.5-12.5% over a market cycle, which can last 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 (company shares). 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. 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 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: The fund aims to achieve a return consistent with the Markit iBoxx Sterling Non-Gilts Index by investing in sterling denominated investment-grade corporate bonds. This Index covers the broad spectrum of investment-grade corporate bonds in issue. The fund may also invest in permitted money market instruments, deposits and collective investment schemes.
Scot Eq Cuts Cr Lfst Ptfl ARC Pn 2 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 5.5-9.5% over a market cycle, which can last 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 (company shares). 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. 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 1 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 1.01 N/A 1.01 0.00 5.46 4.47 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 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 5 N N Y Y N N ABI Sterling Strategic Bond UKP 0.00 0.58 N/A 0.58 0.00 5.91 4.92 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 4 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 0.40 N/A 0.40 0.00 6.10 5.10 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 Index + 50% ICE Bank of America ML 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 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 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 achieve a return consistent with the FTSE UK Gilts Index-Linked Over 5 Years Index by investing in UK government index-linked securities (index-linked gilts) that have a maturity period of 5 years or longer. The fund may also invest in permitted money market instruments, deposits and collective investment schemes.
Scot Eq Invesco Asian (ARC) Pn 2 N N Y Y N N ABI Asia Pacific excluding Japan Equities UKP 0.00 0.75 N/A 0.75 0.00 5.73 4.74 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 N N Y Y N N ABI Sterling Corporate Bond 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 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 0.75 N/A 0.75 0.00 5.73 4.74 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 N N Y Y N N ABI UK All Companies UKP 0.00 0.75 N/A 0.75 0.00 5.73 4.74 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 3 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 3 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.
Scot Eq Sequel Adventr 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 aims to provide long-term capital growth by investing in a mix of investment types appropriate to someone with a higher attitude to risk. This fund is the highest risk in the Scottish Equitable Sequel fund range, therefore it may hold higher risk investments such as global equities (shares), including a significant amount in emerging markets equities. The fund gets its exposure to these investments mainly through passively managed funds, which means returns (both positive and negative) should be similar to those of the indices these funds track. 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.
Scot Eq Sequel Advn Jrny Rt 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 is for investors in the Aegon Sequel Adventurous Journey fund that have reached the end of the risk reduction stage and have passed their Nominated Retirement Date (NRD). We’ll automatically switch investors into this fund on their NRD until they tell us how they want to take their retirement benefits. It aims to offer some growth potential and the mix of investments reflects the fact that you remain comfortable retaining an element of risk that your fund may fall in value while you decide how to take your benefits. 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.
Scot Eq Sequel Bal Journey ARC Pn 2 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 (shares, bonds and cash) appropriate to someone with a moderate 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). It assumes you'll take your maximum tax free cash (25% currently) and take your benefits at retirement. If you don’t, you’ll automatically be switched into the Scottish Equitable Sequel Balanced Journey Retirement fund until you tell us what you want to do. 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.
Scot Eq Sequel Balanced ARC Pn 2 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 sits in the middle of the Scottish Equitable Sequel fund range in terms of risk and potential growth. The fund aims to provide long-term capital growth by investing in a mix of investment types (shares, bonds and cash) appropriate to someone with a moderate attitude to risk. The fund gets its exposure to these investments mainly through passively managed funds, which means returns (both positive and negative) should be similar to those of the indices these funds track. 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.
Scot Eq Sequel Caut Jour ARC 2 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 (shares, bonds, cash) appropriate to someone with a lower 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). It assumes you'll take your maximum tax free cash (25% currently) and take your benefits at retirement. If you don’t, you’ll automatically be switched into the Scottish Equitable Sequel Cautious Journey Retirement fund until you tell us what you want to do. 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.
Scot Eq Sequel Cautious ARC Pn 2 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 has the second lowest risk and potential for growth in the Scottish Equitable Sequel fund range. The fund aims to provide long-term capital growth by investing in a mix of investment types (shares, bonds, cash) appropriate to someone with a lower attitude to risk. The fund gets its exposure to these investments mainly through passively managed funds, which means returns (both positive and negative) should be similar to those of the indices these funds track. 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.
Scot Eq Sequel Defensive ARC Pn 2 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 is the lowest risk in the Scottish Equitable Sequel fund range and so you should expect it to go up and down in value less than the other funds in the range. The fund aims to provide long-term capital growth by investing in a mix of investment types (shares, bonds, cash) appropriate to someone with a lower attitude to risk. The fund gets its exposure to these investments mainly through passively managed funds, which means returns (both positive and negative) should be similar to those of the indices these funds track. 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.
Scot Eq Sequel Growth ARC Pn 2 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 is the second highest in the Scottish Equitable Sequel fund range in terms of risk and potential growth. The fund aims to provide long-term capital growth by investing in a mix of investment types (shares, bonds, cash) appropriate to someone with a higher attitude to risk. The fund gets its exposure to these investments mainly through passively managed funds, which means returns (both positive and negative) should be similar to those of the indices these funds track. 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.
Scot Eq Sequel Gth Journey ARC Pn 2 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 (shares, bonds, cash) 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 Growth 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.
Scot Eq Sequel Gth JrRt ARC Pn 2 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 is for investors in the Scottish Equitable Sequel Growth Journey fund at the end of the risk reduction stage who have passed their Nominated Retirement Date (NRD).  We’ll automatically switch investors into this fund on the 1 January after they reach their NRD. The fund is designed to offer some growth potential and the mix of investments reflects the fact that you remain comfortable retaining an element of risk by investing in diversified mix of equities, bonds and cash. If you don’t move your investment on your NRD, you'll remain in this fund until you tell us what you want to do with your pension. 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.
Scot Eq Threadneedle Eurpn ARC Pn 3 N N Y Y N N ABI Europe excluding UK Equities UKP Acc 0.00 0.66 N/A 0.66 0.00 5.82 4.83 Single 4:00PM Daily
  
Objective: The fund aims to outperform the FTSE World Europe ex UK index over a rolling 3-year period (after charges) by investing at least 75% of its assets in shares of Continental European companies. The fund will typically invest in fewer than 70 companies, which may include shares of some companies not within the Index. The fund may also invest in other assets such as cash and deposits and hold other funds (including funds managed by Columbia Threadneedle companies) when deemed appropriate. The Scottish Equitable fund has higher charges than the underlying Columbia Threadneedle fund and will therefore be less likely to meet this target.
Scot Eq UK FI &GE Trkr Lf ARC Pn 5 N N Y Y 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: This fund uses a two-stage investment process called lifestyling. In the early years (the growth stage) it invests equally in our UK Fixed Interest fund and our Global Equity Tracker fund. 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.
Scottish Equitable M&GProyPtflARCPn 5 N N Y Y N N ABI UK Direct Property UKP 0.00 0.81 N/A 0.81 0.00 5.66 4.68 Single 4:00PM Daily
  
Objective: This fund aims to provide long-term total return (the combination of income and capital growth) over five years or more by investing at least 70% directly in UK commercial property. The fund may invest in other property-related assets, including other funds, real estate investment trusts, money market instruments and cash or assets that can be turned quickly into cash. The fund may invest via derivatives and use derivatives to reduce the risks and costs of managing the fund.
Scottish Equitable SchdSttCrARCPn 1 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: 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.
SE JP Morgan US Eq Inc ARC Pn 1 N N Y Y N Y ABI North America Equities UKP Acc 0.00 0.90 N/A 0.90 0.00 5.57 4.58 Single 4:00PM Daily
  
Objective: The fund aims to achieve long-term capital growth by investing primarily in US equities (shares) in any economic sector.
SE Schrd Sterling Corp Bd (ARC) Pn 5 N N Y Y N N ABI Sterling Corporate Bond UKP 0.00 0.62 N/A 0.62 0.00 5.86 4.87 Single 4:00PM Daily
  
Objective: The fund aims to provide income and capital growth in excess of the Bank of America Merrill Lynch Sterling Corporate & Collateralised (Gross Total Return) index (after charges) over a 3 to 5-year period by investing in bonds issued by UK companies and companies worldwide. 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) and issued by UK companies and companies worldwide. The fund may also invest in bonds issued by governments, government agencies, and supra-nationals. The fund may invest up to 20% of its assets in below investment grade securities (as measured by Standard & Poor’s or any other equivalent credit rating agencies) or in unrated securities. 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. The Scottish Equitable fund has higher charges than the underlying Schroder fund and will, therefore, be less likely to meet this target.
Select Reserve Acc (ARC) Pn 3 N N Y Y N N ABI Mixed Investment 0-35% Shares UKP 0.00 0.32 N/A 0.32 0.00 6.18 5.19 Single 4:00PM Daily
  
Objective: This fund aims to provide a higher return than cash over the longer term by investing in a diversified portfolio of fixed interest securities (bonds), property and cash.
Smrst Gbl EmgMkt ARC Pn 3 N N Y Y N N ABI Global Emerging Markets Equities UKP Acc 0.00 0.94 N/A 0.94 0.00 5.53 4.54 Single 4:00PM Daily
  
Objective: This fund aims to achieve capital growth by investing mainly in an actively managed portfolio of emerging market equities (shares of companies). The portfolio will consist mainly of shares issued by companies established or operating in emerging market countries, principally in Asia, Eastern Europe, the Middle East, Africa and Latin America. The fund may also invest in other transferable securities, money market instruments, cash and near cash, depositary receipts, derivative instruments and forward transactions, deposits and shares in other collective investment schemes.
Socially Rspns Eq ARC Pn 5 N N Y Y N N ABI UK All Companies 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 long-term capital growth by investing in the equities (shares of companies) of UK-quoted companies that promote environmental and social sustainability. It avoids those companies that cause harm. The fund invests according to a set of positive criteria, which guide it towards companies demonstrating socially and environmentally responsible behaviour. The fund may also invest in bonds from time to time.
St Inv AsPacLdrs ARC Pn 5 N N Y Y N N ABI Specialist UKP 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 the long-term (at least five years) by investing in shares of medium to large sized companies (that generally have a total stock market value of at least $1 billion) in the Asia Pacific region (including Australasia but excluding Japan). The companies it invests in are either based in or have significant operations in this region and contribute to the sustainable development of the countries in which they operate.  Although the fund’s investment policy excludes Japan, it may hold companies that are listed on the Japanese stock market that conduct a significant amount of business in the Asia Pacific region (excluding Japan). The fund may also use derivatives to reduce risk or to manage the fund more efficiently.
Technology (ARC) Pn 5 N N Y Y N N ABI Global Equities UKP 0.00 0.32 N/A 0.32 0.00 6.18 5.19 Single 4:00PM Daily
  
Objective: A specialist equity fund that aims to perform broadly in line with the MSCI World IT index, net of fees, by investing in companies involved in technology-intensive industries around the world. The fund may have a bias towards companies listed on US stock markets.
Thrdndle American ARC Pn 3 N N Y Y N N ABI North America Equities UKP 0.00 0.63 N/A 0.63 0.00 5.85 4.86 Single 4:00PM Daily
  
Objective: The fund aims to outperform the S&P 500 Index over a 3-year period (after charges) through investing at least 75% of the portfolio in shares of American (US) companies. The fund typically invests in fewer than 80 companies, which may include shares of some companies not within the Index. The fund may also invest in other assets such as cash and deposits and hold other funds (including funds managed by Columbia Threadneedle companies) when deemed appropriate. The Scottish Equitable fund has higher charges than the underlying Columbia Threadneedle fund and will therefore be less likely to meet this target.
Thrdndle Gbl Bond ARC Pn 4 N N Y Y N N ABI Global Fixed Interest UKP 0.00 0.63 N/A 0.63 0.00 5.85 4.86 Single 4:00PM Daily
  
Objective: The fund aims to outperform the J.P. Morgan Government Bond Index Global (GBI Global) index over a rolling 3-year period (after charges) by investing at least two-thirds of its assets in bonds issued or guaranteed by governments, government agencies or quasi-government entities . The fund may also invest in corporate bonds when deemed appropriate as well as collective investment schemes (including funds managed by Columbia Threadneedle companies), and hold money market instruments, deposits, cash and near cash. The Scottish Equitable fund has higher charges than the underlying Columbia Threadneedle fund and will therefore be less likely to meet this target.
Thrdndle UK Eq Inc ARC Pn 3 N N Y Y N N ABI UK Equity Income UKP 0.00 0.69 N/A 0.69 0.00 5.79 4.80 Single 4:00PM Daily
  
Objective: This fund aims to achieve an above average rate of income combined with capital growth by outperforming the FTSE All-Share Index over rolling 3-year periods (after charges) by investing at least 90% of its assets in the shares of companies listed on the London Stock Exchange; predominantly UK companies. The fund typically invests in fewer than 60 companies, which may include shares of some companies not within the Index. The fund selects companies that exhibit above average income generation potential, as well as those considered to offer opportunities more by way of share price or dividend growth. These companies may be selected from any industry or economic sector, and whilst there is no restriction on size, investment tends to focus on the larger companies included in the FTSE All-Share Index. The fund may also invest in other assets such as cash and deposits and hold other funds (including funds managed by Columbia Threadneedle companies) when deemed appropriate. The Aegon fund has higher charges than the underlying Columbia Threadneedle fund and will therefore be less likely to meet this target.
Thrdndle UK Prprty ARC Pn 5 N N Y Y N N ABI UK Direct Property UKP 0.00 0.73 N/A 0.73 0.00 5.75 4.76 Single 4:00PM Daily
  
Objective: This fund aims to grow the amount you invested. The underlying Fund is a Property Authorised Investment Fund (“PAIF”). The Fund will typically invest at least two-thirds of its assets, either directly or indirectly, in commercial real estate in the United Kingdom which is used for business purposes. The Fund may also invest in shares, bonds, gilts, and other funds. The Fund may invest in other assets including cash to efficiently manage the Fund.
Tmpltn Gbl TtlRnBd Pn 1 N N Y Y N N ABI Unclassified UKP 0.00 0.74 N/A 0.74 0.00 5.74 4.75 Single 4:00PM Daily
  
Objective: The fund aims to achieve a total return over the long-term from a combination of income, capital growth and currency exchange rate gains over a three to five-year period. It will do so by investing mainly in a broad range of fixed interest securities from all over the world, including government and government-related bonds and investment- and non-investment grade corporate bonds of all durations. It may also invest in permitted debt and currency related derivatives.
UBS Bal Mgd ARC Pn 1 N N Y Y N N ABI Mixed Investment 40-85% Shares UKP 0.00 0.25 N/A 0.25 0.00 6.26 5.26 Single 4:00PM Daily
  
Objective: This fund aims to achieve long-term growth by investing in an internationally diversified portfolio largely made up of UK and overseas equities (shares) with the remainder invested in fixed interest securities (bonds) and cash. The fund's equity exposure is limited to between 40% and 85% at any one time and the fund 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).
UBS Gbl Emg Mkts ARC Pn 3 N N Y Y N N ABI Global Emerging Markets 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 produce long-term capital growth through a diversified portfolio of emerging market equities anywhere in the world.
UBS US Equity (ARC) Pn 1 N N Y Y N N ABI North America 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 long-term capital growth by investing in a diversified portfolio of primarily large cap US equities (shares).
UK Corp Bd Sel Pfl 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: A multi-manager portfolio that aims to maximise total returns (the combination of income and capital growth) by investing in a number of high-quality investment grade bond funds from different managers, recommended by independent researchers Morningstar. The portfolio targets returns above the IA £ Corporate Bond 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.
UK Eq Select Pfl ARC Pn 3 N N Y Y N N ABI UK All Companies UKP 0.00 0.76 N/A 0.76 0.00 5.72 4.73 Single 4:00PM Daily
  
Objective: A multi-manager portfolio that aims to provide a good level of long-term growth by investing in a number of high-quality UK equity funds from different managers, recommended by independent researchers Morningstar. The portfolio targets returns above the IA UK All Companies 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.
UK Equity (ARC) Pn 3 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 outperform the FTSE All Share index, net of fees, over rolling three-year periods. The fund will have exposure to UK equities principally through investing directly in UK companies.
UK Equity Tactical (ARC) Pn 3 N N Y Y N N ABI UK All Companies 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 All Share index by investing in a concentrated portfolio of UK equities (company shares) across all major industrial sectors of the UK equity market.
UK Fixed Interest (ARC) Pn 2 N N Y Y N N ABI Sterling Fixed Interest UKP 0.00 0.32 N/A 0.32 0.00 6.18 5.19 Single 4:00PM Daily
  
Objective: A balanced fixed income fund that aims to perform broadly in line with its benchmark (a composite of indices), net of fees, by investing in a diversified blend of mainly investment-grade corporate bonds and government bonds.
UK FixInt&Gl EqTrk ARC Pn 5 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: The fund invests equally in our UK Fixed Interest fund, managed by Aegon Asset Management, and our Global Equity Tracker fund, managed by BlackRock. The UK Fixed Interest fund is an actively managed fund which aims to produce attractive and consistent long-term returns by investing in gilts and other quality sterling fixed interest securities, including convertible loans. The Global Equity Tracker fund is passively managed and aims to provide long-term growth by investing in an equal balance of UK and overseas equities. The fund aims to match the performance of its composite index.
UK Government Bond (ARC) Pn 2 N N Y Y N N ABI UK 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 British Government All Stocks Index, net of fees, by investing primarily in UK government bonds.
UK Index Tracker (ARC) Pn 5 N N Y Y N N ABI UK All Companies UKP 0.00 0.07 N/A 0.07 0.00 6.45 5.45 Single 4:00PM Daily
  
Objective: The fund aims to achieve capital growth for investors by closely tracking the performance of the FTSE All Share Index. It does so by investing directly in companies 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, permitted deposits, and units in collective investment schemes.
UK Long Corp Bd ARC Pn 2 N N Y Y N N ABI Sterling Long Bond UKP 0.00 0.27 N/A 0.27 0.00 6.23 5.24 Single 4:00PM Daily
  
Objective: This fund aims to perform broadly in line with the Markit iBoxx Sterling Non-Gilt Over 10 Year Index, net of fees, by investing primarily in a wide range of sterling-denominated investment-grade corporate bonds with maturities of 10 years or over.
UK Smler Companies ARC Pn 3 N N Y Y N N ABI UK Smaller Companies 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 Numis Smaller Companies index, net of fees, by investing principally in the shares (equities) of smaller UK companies . These are companies which form the bottom 10% of the UK stock market based on their market value.
UKGilts AllStkTkr ARC Pn 5 N N Y Y N N ABI UK Gilts UKP 0.00 0.10 N/A 0.10 0.00 6.41 5.42 Single 4:00PM Daily
  
Objective: The fund aims to achieve a total return (a combination of income plus capital growth) for investors by tracking closely the performance of the FTSE Actuaries UK Gilts All Stocks Index by investing directly, or occasionally indirectly, in fixed income securities (bonds) contained in the Index.
Univ Bal Colctn ARC Pn 3 N N Y Y N N ABI Mixed Investment 40-85% Shares UKP 0.00 0.12 N/A 0.12 0.00 6.39 5.40 Single 4:00PM Daily
  
Objective: This fund aims to achieve long-term capital growth by investing in an internationally diversified portfolio, largely made up of equities (shares in companies). It currently invests in a mix of different funds, from different fund managers, offering a mix of active and passive fund management, which means it doesn’t rely on the performance of one manager or management style alone. We reserve the right to add, remove and replace funds within the Universal Balanced Collection with the aim of making sure it continues to meet its aims and objectives.
Universal LF Clctn ARC Pn 3 N N Y N 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 wholly in the Universal Balanced Collection (UBC). The UBC invests in a mix of different funds, from different fund managers, offering a mix of active and passive fund management, which means it doesn’t rely on the performance of one manager or management style alone. 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.

AFH Wealth Management

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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%
MGTS AFH DA UK Alpha R 5 Y Y Y Y Y Y IA Unclassified OIC Acc 0.00 N/A 0.85 0.75 0.00 5.62 4.64 Single 11:00AM Daily
  
  
Objective: To provide long term growth principally through capital growth as well as income from a portfolio of investments.The sub-fund aims to achieve capital growth by investing primarily in listed UK companies (being companies which are incorporated, domiciled or have the predominant part of their business in the UK) with no particular emphasis on any industrial, economic sector or level of capitalisation. The fund will normally hold a concentrated portfolio of between 25 and 50 Securities.The sub-fund may also invest in collective investment schemes (restricted to 10%), cash, money market instruments, and other transferable securities (including unlisted and non-UK securities) and, including collective investments schemes of which the Manager (or one of its associates) is the appointed manager.