Pension fund choices.

We’ve been providing pensions since the 1930’s. Our financial strength has been recognised by three of the world’s leading independent rating agencies; Standard & Poors, Moody's and A.M. Best.

We offer a wide range of funds, each with varying levels of risk and potential reward.

These fund fact sheets give you information about the performance, fund composition and top 10 holdings of the funds available and are updated on a monthly basis (portfolio updates are provided monthly at fund manager discretion). It's important you read this information carefully - where you choose to invest will have a significant impact on your pension fund.

You can print them and keep for future reference.

You can choose up to a maximum of 10 funds. You can change the funds at any time after your application has been accepted. There is currently no additional charge for changing your investment choice.

Aberdeen Life Global (ex UK) Equity Fund
Aim: To provide exposure to an actively managed portfolio of overseas equities – an asset class that is expected to provide long-term returns that are ahead of inflation.

Aberdeen Life Global Growth Fund 
Aim: to maximise the value of pensions savings, achieving long-term returns that are ahead of inflation through active investment primarily in UK and overseas equities.

Aberdeen Life Multi-Asset (ex Property) Fund
Aim: to maximise the value of pension savings, achieving long-term returns that are ahead of inflation.

Aberdeen Life UK Equity Fund
Aim: to provide exposure to an actively managed portfolio of UK equities - an asset class that is expected to provide long-term returns that are ahead of inflation.

Alliance RMC Dynamic Growth Fund
Aim: to achieve long-term capital growth through active asset allocation and seeks to manage the risks of capital loss resulting from excessive market volatility.

Allianz RCM UK Equity Fund
Aim: to achieve capital growth by investing in UK companies. The fund may also invest internationally.

Cash Fund
Aim: to provide capital protection with growth at short-term interest rates. The fund invests in the short-term money markets such as bank deposits and treasury bills.

Notes
A: This fund does not invest in any asset types where the capital value can fall, such as fixed interest securities. The value of the fund’s assets would only fall if a deposit holder or the UK Government were unable to meet their obligations.
B: If the interest earned by the fund’s assets is insufficient to cover the product charges, the value of your pension fund will fall.

Consensus Fund
Aim: The Consensus Fund combines the long-term growth potential offered through UK and overseas equities with the relative security provided by gilts, bonds and cash. The assets held within the fund are passively managed and based on the average investment mix of a large number of major pension funds using the three-monthly Combined Actuarial Performance Service survey (excluding property).

Distribution Fund
Aim: The Distribution Fund is a balanced fund, and its investments include equities, fixed interest securities, and property. The fund aims to offer good long-term growth potential through a combination of capital growth and reinvested income from a cautious, balanced portfolio, and is actively managed to achieve this objective.

Equity Fund
Aim: The Equity Fund aims to get the best return from a varied portfolio of mainly UK quoted securities. The fund may also hold convertible loan stocks.

Ethical Fund
Aim: to provide the potential for reliable growth by tracking the performance of the FTSE 350 Index whose business conforms to a range of ethical and environmental guidelines. In order to accurately track the performance of this modified Index, the trust will invest in a broad spread of representative companies from the Index.

Fixed Interest Fund
Aim: to get the most favourable overall return from a portfolio of UK Government stocks and other fixed interest securities of high quality UK companies.
The fund managers may also buy stocks of overseas governments and companies, which are listed on a recognised overseas stock market.

GLG Balanced Fund
Aim: The fund provides exposure to UK and overseas equity markets through a portfolio of SG’s institutional funds.

GLG Espirit Continental Europe Fund
Aim: to achieve capital growth through investment in the quoted securities of companies listed on any European Stock Exchange outside the UK. The fund invests in securities of companies operating in Continental Europe, which are believed to have above average prospects for capital growth.

Over 15 Year Gilts Index Fund
Aim: to track the total return of the FTSE-A Government (Over 15 Year) Index to within +/- 0.25% each year for two years in three.

Property Fund
Aim: to get the best return from a portfolio of first class freehold and leasehold interests in commercial and industrial property. This includes industrial warehouse buildings, shopping units and office blocks. It is also permitted to invest up to 15% in other external property funds in order to take advantage of investment opportunities in niche or specialist sectors.

UK Equity Index Fund
Aim: to track the sterling total returns of the FTSE All-Share Index (including re-invested income).

UK Recovery Fund
Aim: to secure capital growth from UK securities, which offer recovery prospects. The fund managers will select shares whose prices are believed to be undervalued and which generally do not reflect earnings potential.

UK Smaller Companies Fund
Aim: to maximise capital growth from a portfolio of UK securities consisting largely of smaller companies selected from all economic areas. The fund primarily invests in companies, which comprise the lowest 10% by capitalisation of the UK equity.

US Equity Index Fund
Aim: The fund is set up in such a way that its performance (before charges) aims to reflect that of the FTSE USA Index with income reinvested.

We can’t tell you where you should put your money. For some people, a mix of funds is the most appropriate option. Others prefer to invest only in one fund. There’s no one best place to invest. Wherever you decide to put your money, you’ll need to make sure it’s in a fund or funds that you feel comfortable with.