Sterling Investment Bond Fund Specific projection rates Series 1

Transcription

1 Sterling Investment Bond Fund Specific projection rates Series 1 This document lists the funds available through the Sterling Investment Bond and the fund specific projection rates used in our illustrations. We use a projection rate reflecting the growth assumption on each of the individual funds and their mix within the Plan. This resulting growth rate is then capped at the FCA s standard mid-point growth rate (currently 4.5%) if required. Examples Where 100% of the investment is in the Sterling 7IM AAP Adventurous fund, the illustration would show a mid projection rate capped at 4.50%. Where 100% of the investment is in the Sterling M&G Gilt & Fixed Interest Income fund, the illustration would show a mid projection rate of 1.04%, as it is below the FCA s standard mid-point growth rate. These fund specific projection rates are for illustration purposes only and are not guaranteed. Actual returns will depend on how the investment grows and the tax treatment of the product. Sterling 7IM AAP Adventurous 4.50 Sterling 7IM AAP Balanced 4.17 Sterling 7IM AAP Income 3.08 Sterling 7IM AAP Moderately Adventurous 4.50 Sterling 7IM AAP Moderately Cautious 3.24 Sterling 7IM Adventurous 4.50 Sterling 7IM Balanced 4.18 Sterling 7IM Moderately Adventurous 4.50 Sterling 7IM Moderately Cautious 3.21 Sterling Aberdeen Asia Pacific Equity 4.50 Sterling Allianz Emerging Markets Equity 4.50 Sterling Allianz Gilt Yield 1.04 Sterling Allianz RiskMaster Conservative Multi Asset 4.24 Sterling Allianz RiskMaster Growth Multi Asset 4.50 Sterling Allianz RiskMaster Moderate Multi Asset 4.50 Sterling American 4.50 Sterling American Select 4.50 Sterling American Smaller Companies 4.50 Sterling Artemis Capital 4.50 Sterling Artemis High Income 2.50 Sterling Artemis Income 4.50 Sterling Artemis Strategic Assets 4.40 Sterling Artemis UK Select 4.50 Sterling Artemis UK Smaller Companies

2 Sterling Artemis UK Special Situations 4.50 Sterling Asia 4.50 Sterling Aviva Investors Property Trust 4.50 Sterling AXA Framlington Biotech 4.50 Sterling AXA Framlington Global Equity Income 4.50 Sterling AXA Framlington Global Technology 4.50 Sterling AXA Framlington Health 4.50 Sterling AXA Framlington Managed Balanced 4.50 Sterling AXA Framlington UK Select Opportunities 4.50 Sterling Baring Multi Asset 3.41 Sterling BlackRock Balanced Growth Portfolio 4.50 Sterling BlackRock Consensus Sterling BlackRock Consensus Sterling BlackRock Consensus Sterling BlackRock Consensus Sterling BlackRock Consensus Sterling BlackRock Gold & General 4.50 Sterling BlackRock Money Market 0.48 Sterling BlackRock UK Special Situations 4.50 Sterling Deposit & Treasury 0.48 Sterling Deutsche Managed Sterling Generation Sterling Dimensional Emerging Markets Core Equity 4.50 Sterling Dimensional Global Short-Dated Bond 1.68 Sterling Dimensional International Core Equity 4.50 Sterling Dimensional UK Core Equity 4.50 Sterling Dimensional UK Small Companies 4.50 Sterling Distribution 4.50 Sterling Emerging Market Bond 1.68 Sterling European 4.50 Sterling European Bond 1.68 Sterling European Select 4.50 Sterling European Smaller Companies 4.50 Sterling F&C MM Lifestyle Balanced 4.50 Sterling F&C MM Lifestyle Cautious 4.34 Sterling F&C MM Lifestyle Defensive 3.53 Sterling F&C MM Lifestyle Growth 4.50 Sterling Far East & Japan 4.50 Sterling Fidelity American 4.50 Sterling Fidelity American Special Situations 4.50 Sterling Fidelity Asia 4.50 Sterling Fidelity Emerging Markets 4.50 Sterling Fidelity European 4.50 Sterling Fidelity Global Focus 4.50 Sterling Fidelity Global Property 4.50 Sterling Fidelity Global Special Situations 4.50 Sterling Fidelity Index Emerging Markets 4.50 Sterling Fidelity Index Europe ex UK 4.50 Sterling Fidelity Index Japan 4.50 Sterling Fidelity Index Pacific ex Japan 4.50 Sterling Fidelity Index UK 4.50 Sterling Fidelity Index US 4.50 Sterling Fidelity Index World 4.50 Sterling Fidelity MoneyBuilder Income 1.68 Sterling Fidelity Multi Asset Open Growth 4.50 Sterling Fidelity Multi Asset Open Strategic 3.56 Sterling Fidelity Multi Asset Strategic 3.56 Sterling Fidelity Strategic Bond 1.52 Sterling Fidelity UK Special Situations 4.50 Sterling Fidelity WealthBuilder 4.50 Sterling First State Global Listed Infrastructure 4.50 Sterling Global Bond 1.68 Sterling Global Select 4.50 Sterling Henderson Cautious Managed 3.67 Sterling Henderson China Opportunities 4.50 Sterling Henderson Emerging Markets Opportunities 4.50 Sterling Henderson European Selected Opportunities

3 Sterling Henderson Global Care Growth 4.50 Sterling Henderson Global Technology 4.50 Sterling Henderson Multi-Manager Income & Growth 3.64 Sterling Henderson Preference & Bond 1.68 Sterling Henderson Strategic Bond 1.68 Sterling Henderson UK Alpha 4.50 Sterling Henderson UK Property 4.50 Sterling High Yield Bond 1.68 Sterling Horizon Monthly Income Plus 1.68 Sterling Horizon Multi-Asset I 2.89 Sterling Horizon Multi-Asset II 3.45 Sterling Horizon Multi-Asset III 4.05 Sterling Horizon Multi-Asset IV 4.50 Sterling Horizon Multi-Asset V 4.50 Sterling HSBC UK Growth & Income 4.50 Sterling Invesco Perpetual Corporate Bond 1.68 Sterling Invesco Perpetual Distribution 3.08 Sterling Invesco Perpetual European Equity 4.50 Sterling Invesco Perpetual Global Equity 4.50 Sterling Invesco Perpetual Global Targeted Returns 2.42 Sterling Invesco Perpetual High Income 4.50 Sterling Invesco Perpetual Income 4.50 Sterling Invesco Perpetual Japanese Smaller Companies 4.50 Sterling Invesco Perpetual Monthly Income Plus 2.41 Sterling Investec Asia ex Japan 4.50 Sterling Investec Cautious Managed 4.43 Sterling Investec Global Energy 4.50 Sterling Investec Global Strategic Equity 4.50 Sterling Investec UK Special Situations 4.50 Sterling ishares Continental European Equity Index 4.50 Sterling ishares Emerging Markets Equity Index 4.50 Sterling ishares Japan Equity Index 4.50 Sterling ishares North American Equity Index 4.50 Sterling ishares Pacific Ex Japan Equity Index 4.50 Sterling ishares UK Equity Index 4.50 Sterling ishares UK Gilts All Stocks Index 1.04 Sterling Japan 4.50 Sterling JPM Asia 4.50 Sterling JPM Emerging Europe Equity 4.50 Sterling JPM Global Equity Income 4.50 Sterling JPM Japan 4.50 Sterling JPM Natural Resources 4.50 Sterling JPM US 4.50 Sterling JPM US Equity Income 4.50 Sterling Jupiter China 4.50 Sterling Jupiter Distribution 2.52 Sterling Jupiter Distribution & Growth 4.50 Sterling Jupiter Ecology 4.50 Sterling Jupiter Emerging European Opportunities 4.50 Sterling Jupiter European 4.50 Sterling Jupiter European Special Situations 4.50 Sterling Jupiter Financial Opportunities 4.50 Sterling Jupiter Income 4.50 Sterling Jupiter India 4.50 Sterling Jupiter Merlin Balanced Portfolio 4.50 Sterling Jupiter Merlin Growth Portfolio 4.50 Sterling Jupiter Merlin Income Portfolio 4.24 Sterling Jupiter UK Growth 4.50 Sterling Kames Ethical Cautious Managed 3.64 Sterling Kames Ethical Corporate Bond 1.68 Sterling Kames Ethical Equity 4.50 Sterling Kames Sterling Corporate Bond 1.68 Sterling Latin America 4.50 Sterling M&G Corporate Bond 1.68 Sterling M&G Episode Balanced 3.30 Sterling M&G Gilt & Fixed Interest Income

4 Sterling M&G North American Dividend 4.50 Sterling M&G Optimal Income 1.46 Sterling M&G Property Portfolio 4.50 Sterling M&G Strategic Corporate Bond 1.68 Sterling Man GLG Japan CoreAlpha 4.50 Sterling Managed 4.50 Sterling Managed Bond 2.04 Sterling Managed Bond Focused 2.72 Sterling Managed Equity 4.50 Sterling Managed Equity & Bond 3.77 Sterling Managed Equity Focused 4.50 Sterling Managed Equity Income 4.50 Sterling Martin Currie North American 4.50 Sterling Monthly Extra Income 4.50 Sterling Multimanager Generation 2 Protected Profits 4.50 Sterling Multimanager Generation 3 Protected Profits 4.50 Sterling Multimanager Protected Profits 4.50 Sterling Neptune US Opportunities 4.50 Sterling Newton Balanced 4.50 Sterling Newton Global Income 4.50 Sterling Newton Income 4.50 Sterling Newton International Bond 1.68 Sterling Newton Managed 4.50 Sterling Newton Real Return 4.07 Sterling Old Mutual Cirilium Balanced 3.90 Sterling Old Mutual Cirilium Balanced Passive 3.63 Sterling Old Mutual Cirilium Conservative 2.55 Sterling Old Mutual Cirilium Conservative Passive 2.37 Sterling Old Mutual Cirilium Dynamic 4.50 Sterling Old Mutual Cirilium Dynamic Passive 4.50 Sterling Old Mutual Cirilium Moderate 4.50 Sterling Old Mutual Cirilium Moderate Passive 4.50 Sterling Old Mutual Corporate Bond 1.68 Sterling Old Mutual UK Alpha 4.50 Sterling Old Mutual UK Mid Cap 4.50 Sterling Omnis Managed Adventurous 4.50 Sterling Omnis Managed Balanced 4.50 Sterling Omnis Managed Cautious 4.50 Sterling Omnis Multi-Manager Adventurous 4.50 Sterling Omnis Multi-Manager Balanced 4.50 Sterling Omnis Multi-Manager Cautious 4.50 Sterling Omnis Multi-Manager Distribution 3.51 Sterling Premier Multi-Asset Distribution 3.99 Sterling Premier Multi-Asset Growth & Income 4.50 Sterling Property 4.50 Sterling Rathbone Income 4.50 Sterling Schroder All Maturities Index Linked Bond 1.04 Sterling Schroder Asian Income Maximiser 4.50 Sterling Schroder Core UK Equity 4.50 Sterling Schroder European Opportunities 4.50 Sterling Schroder Flexible Retirement 2.46 Sterling Schroder Global Alpha Plus 4.50 Sterling Schroder Global Cities Real Estate 4.50 Sterling Schroder Global Equity Income 4.50 Sterling Schroder Income 4.50 Sterling Schroder Income Maximiser 4.50 Sterling Schroder Managed Balanced 4.21 Sterling Schroder MM Diversity 3.84 Sterling Schroder Strategic Credit 1.68 Sterling Schroder Tokyo 4.50 Sterling Schroder UK Alpha Plus 4.50 Sterling Schroder UK Mid Sterling Schroder UK Opportunities 4.50 Sterling Schroder US Mid Cap 4.50 Sterling Seneca Diversified Growth 4.50 Sterling Sinfonia Adventurous Growth Portfolio

5 Sterling Sinfonia Balanced Managed Portfolio 4.50 Sterling Sinfonia Cautious Managed Portfolio 3.76 Sterling Sinfonia Income & Growth Portfolio 4.47 Sterling Sinfonia Income Portfolio 2.76 Sterling SLI Ignis UK Property 4.50 Sterling Sterling Bond 1.68 Sterling Stewart Investors Asia Pacific Leaders 4.50 Sterling Stewart Investors Worldwide Leaders 4.50 Sterling Strategic Bond 1.68 Sterling UBS US Equity 4.50 Sterling UK 4.50 Sterling UK Corporate Bond 1.68 Sterling UK Equity Alpha Income 4.50 Sterling UK Equity Income 4.50 Sterling UK Growth & Income 4.50 Sterling UK Monthly Income 4.50 Sterling UK Select 4.50 Sterling UK Smaller Companies 4.50 Sterling Verbatim Portfolio Sterling Verbatim Portfolio 5 Growth 4.24 Sterling Verbatim Portfolio 5 Income 4.35 Sterling Verbatim Portfolio Sterling Verbatim Portfolio Sterling Woodford Equity Income

6 For more detail about these changes and their impact, please contact your usual financial adviser. This information relates to funds available as at Feburary 2018 Sterling is a trading name of Zurich Assurance Ltd. Registered in England and Wales under company number Registered Office: The Grange, Bishops Cleeve, Cheltenham, GL52 8XX. Telephone: We may record or monitor calls to improve our service. WD (02/18)