Zurich Flexible Personal Pension (Section 61 plan) Zurich Personal Pension (89 plan)

Transcription

1 Company sponsored personal pension plans Zurich Flexible Personal Pension (Section 61 plan) Zurich Personal Pension (89 plan) Funds Guide To offer the best value for our customers, we use our global buying power and existing relationships with over 100 globally recognised fund management houses to offer a truly open architecture fund range. Fund charges are completely transparent and fund switching is free of charge. The fund range covers the majority of sectors, asset classes and geographical regions via a range of both passive and actively managed funds. The funds are predominantly available in Sterling and are domiciled in a variety of regulated jurisdictions. The annual management charge (AMC) for the core range is 0%. Funds can also be selected from the extended fund range which offers institutionally priced, actively managed funds, with AMCs of between 0.20 and 1%. We also offer the following: blended funds capability which allows you to build investment solutions that are tailored to the specific needs of plan members. Zurich Lifestyle Investment strategy which allows plan members to invest in growth assets such as equities during the early years of their plan, and moves them gradually into more secure assets such as fixed interest as they approach retirement, thus reducing investment risk. Further information on the range of investment options available can be found in our investment literature, available from your financial adviser. More comprehensive information on each fund can be found in the fund factsheets, available on the Fund Centre.

2 Core fund range Zurich Managed funds Zurich Risk Profile Funds Zurich 20% Equity Passive GBP Zurich 40% Equity Passive GBP Zurich 60% Equity Passive GBP Zurich 80% Equity Passive GBP Zurich 100% Equity Passive GBP Money Market and Liquidity funds Insight GBP Liquidity Active GBP Fixed interest funds ishares Emerging Markets Government Bond Index Passive USD ishares FIDF Gilt Track Passive GBP ishares UK Credit Bond Index Passive GBP Vanguard Euro Government Bond Index Passive EUR Vanguard Global Bond Index Hedged Passive GBP Vanguard Global Short-Term Bond Index Passive USD Vanguard UK Government Bond Index Passive GBP Vanguard UK Investment Grade Bond Index Passive GBP Vanguard UK Long Duration Gilt Index Passive GBP Vanguard US Government Bond Index Passive USD 2

3 Global equity funds ishares Developed World Index Passive GBP Vanguard FTSE Developed World ex-uk Equity Index Passive GBP Vanguard Global Small Cap Index Passive GBP Vanguard Global Small Cap Index Passive USD Vanguard SRI Global Stock Passive GBP United Kingdom equity funds ishares UK Index Passive GBP Vanguard FTSE UK All Share Index Unit Trust Passive GBP North American equity funds ishares North American Index Passive USD ishares US Index Passive USD European equity funds ishares Euro ex UK Index Passive EUR ishares Europe Equity Index Passive EUR Vanguard SRI European Stock Passive GBP Japanese equity funds Vanguard Japan Index Passive JPY Emerging Markets equity funds ishares ISF Emerging Markets Index Passive GBP Property funds ishares Developed Real Estate Index Passive USD 3

4 Extended fund range Zurich Managed funds Zurich Managed Funds Zurich Sterling Defensive Active GBP Zurich Sterling Cautious Active GBP Zurich Sterling Blue Chip Active GBP Zurich Sterling Performance Active GBP Zurich Sterling Adventurous Active GBP Zurich International Life Managed Fund Active GBP Fixed interest funds Invesco Perpetual Corporate Bond Active GBP Invesco Sterling Bond Active GBP Kames Ethical Corporate Bond Active GBP PIMCO GIS UK Corporate Bond Active GBP PIMCO Global Investment Grade Credit Hedged Active GBP Royal London Sterling Extra Yield Bond Active GBP Templeton Global Bond Active GBP Threadneedle Sterling Bond Active GBP Global equity funds Fundsmith Equity Active GBP M&G Global Themes Active GBP M&G Managed Growth Active GBP MFS Meridian Global Equity Active GBP Neptune Global Equity Active GBP Threadneedle Global Equity Income Active GBP 4

5 United Kingdom equity funds Artemis Capital Active GBP Artemis UK Special Situations Active GBP AXA Framlington UK Select Opportunities Active GBP Blackrock Global United Kingdom Active GBP Invesco Perpetual High Income Active GBP Invesco Perpetual Income Active GBP Investec UK Special Situations Active GBP Jupiter Income Trust Active GBP Threadneedle UK Active GBP Threadneedle UK Equity Income Active GBP Threadneedle UK Smaller Companies Active GBP North American equity funds Threadneedle American Active USD UBS US Equity Active GBP European equity funds Fidelity European Active GBP Threadneedle Pan European Active EUR Asian equity funds Aberdeen Asia Pacific Equity Active GBP Jupiter China Active GBP Stewart Investors Asia Pacific Leaders Active GBP 5

6 Japanese equity funds Schroder Tokyo Active GBP Threadneedle Japan Active JPY Emerging Markets equity funds Russell Emerging Markets Equity Active GBP Stewart Investors Global Emerging Markets Leaders Active GBP Specialist funds Blackrock Gold & General Active GBP Investec Global Energy Active GBP JPMorgan Natural Resources Active GBP Jupiter Climate Change Solutions Active GBP Jupiter Ecology Active GBP Absolute Return funds Invesco Global Targeted Returns Active GBP Newton Real Return Active GBP Standard Life Global Absolute Return Strategies Active GBP Property funds Henderson UK Property Active GBP Mixed asset funds BlackRock Dynamic Diversified Growth Active GBP Blackrock Global Funds Global Allocation Active GBP Newton Multi-Asset Diversified Return Active GBP Schroder ISF Global Diversified Growth Active GBP 6

7 Summary The funds in this Funds guide may be subject to change. Neither Zurich, any associated companies nor representatives, can accept responsibility for any closures and mergers of funds, or variations in fund structure, charges, status, authorisation, registration, address, and investment objectives. We reserve the right to withdraw funds from time to time as part of our regular fund review process. Threadneedle is the brand name for Columbia Threadneedle Investments and is a fund adviser to Zurich International Life Limited. Columbia Threadneedle Investments is authorised and regulated in the UK by the Financial Conduct Authority. If a fund is chosen where both accumulation and income share classes are available, accumulation shares will normally be purchased. In addition, please note that when units are redeemed they will be valued at their selling price based on the next fund valuation following receipt of the notice to sell. This information is only a summary and may be subject to change without notice. It was obtained from what we believe to be reliable sources. However, its accuracy and completeness cannot be guaranteed. Neither Zurich, any associated companies nor representatives, can accept responsibility for any errors or omissions. Past performance is not a guide to future performance, the value of any investment and the income from it can fall as well as rise as a result of market and currency fluctuations and you or your plan members may not get back the amount originally invested. You should note that when investing into the funds included in this guide, the charges, expenses and taxation of the underlying funds are varied and performance may differ. Please note that when investing in a fund that invests in developing or emerging markets or in specialist investments such as commodities, investors should be prepared to accept a higher degree of risk than for a fund with a broader investment mandate. Some funds contained in this guide may not be appropriate for all investors due to the potential investment risks associated with these markets or asset classes. Zurich International Life Limited will not give advice on the funds in this guide. You or your plan members should ensure that they understand the risks involved with investing in these funds before making your decision. Nothing contained in this guide should be construed as guidance to the suitability of the markets or asset classes mentioned, neither is it intended as an offer to invest. Any investment decisions are ultimately made by you and your financial adviser and our categorisation is only intended to make planning an investment strategy and constructing a portfolio easier. It should be noted that investing in some of these markets could result in the possibility of large and sudden falls in the price of shares. In addition, please note that when units are redeemed they will be valued at their selling price based on the next fund valuation following receipt of the notice to sell. This guide is not intended to provide advice or act in any way as a recommendation for you or your plan members investment strategy. Our acceptance of a fund is not a warranty or a representation of its suitability. 7

8 Important information Zurich International Corporate Solutions is a business name of Zurich International Life Limited. Zurich International Life Limited is fully authorised under the Isle of Man Insurance Act 2008 and is regulated by the Isle of Man Financial Services Authority which ensures that the company has sound and professional management and provision has been made to protect planholders. For life assurance companies authorised in the Isle of Man, the Isle of Man s Life Assurance (Compensation of Policyholders) Regulations 1991, ensure that in the event of a life assurance company being unable to meet its liabilities to its planholders, up to 90% of the liability to the protected planholders will be met. The protection only applies to the solvency of Zurich International Life Limited and does not extend to protecting the value of the assets held within any unit-linked funds linked to your plan. Our International Corporate Products are sold through Zurich International Life Limited. Zurich International Life Limited is not authorised to offer insurance products for sale in the United States. Materials are not intended as an offer to invest and do not constitute an offer or a solicitation of an offer to buy securities in any other country or other jurisdiction in which it is unlawful to make such an offer or solicitation. Calls may be recorded or monitored in order to offer additional security, resolve complaints and for training, administrative and quality purposes. Zurich International Life Limited provides life assurance, investment and protection products and is authorised by the Isle of Man Financial Services Authority. Registered in the Isle of Man number 20126C. Registered office: Zurich House, Isle of Man Business Park, Douglas, Isle of Man, IM2 2QZ, British Isles. Telephone Telefax ZIL10741 ( ) (07/18) TCL