Select investment style

Transcription

1 1. Investments ISA & Collectives Select investment style Active (equal split): Passive (equal split): Blended (50%, 25%, 25%): Platforms Platform charge: 0.20% OCF range: 0.96% 1.07% OCF range: 0.39% 0.48% OCF range: 0.91% % ISA/GIA: Fusion offers seamless integration with Enable, full fund look through, tax reporting, automatic rebalancing & access to Fusion Portfolios. Platform cost + investment cost = total cost to client. Platform charge: 0.25% Active (equal split): OCF range: 1.15% 1.20% Passive (equal split): OCF range: 0.49% 0.64% Blended (50%, 25%, 25%): OCF range: 0.91% 1.09% ISA/GIA: Aviva Wrap offers valuation via Enable, Platform cost + investment cost = total cost to client. Fusion portfolios not available. Platform charge: % (tiered) Active (equal split): OCF range: 1.15% 1.20% Passive (equal split): OCF range: 0.40% 0.63% Blended (50%, 25%, 25%): ISA/GIA: AXA Elevate offers valuation via Enable, Platform cost + investment cost = total cost to client. Fusion portfolios not available. Further platform charge reductions for portfolios of > 1.5m ISA only Guaranteed Strategies Smoothed Strategies OCF range: 1.20% 2.10% OCF range: 1.35% OCF range: 0.88% 1.08% Notes: MetLife & Prudential are held off platform directly with the provider. OCF represents total cost. No collective/gia available. The Prudential ISA is administered by Capita. Please see the full tables at the back of this document for income fund options. 1

2 1. Investments (continued) Discretionary Onshore Bond Offshore Bond ISA/GIA Smoothed Strategies Active Strategy Blended Strategy (equal split) Guaranteed Strategy Guaranteed Strategy ISA/GIA: Verbatim Discretionary offers the option of 5 different discretionary managers held on their own specialist platform. Select one or more managers (for larger portfolios). The GIA can also be held within the Liberty SIPP. OCF will vary depending on the assets held by each manager. Please consult Verbatim for more details Investment Bonds: Please consult the Sandringham Business Standards and the Better Business: Investment Selection Guide before recommending an investment bond. Please refer to individual illustrations for charges information. Income producing funds: Sandringham offers income producing funds via the Fusion and AXA platform. Please refer to the detailed guide on page 10. V2.0.4 ADVISER USE ONLY DO NOT PROVIDE TO CLIENTS 2

3 2. Pension (accumulation & decumulation) Platform Pension Products Platform charge: 0.20% + 95+VAT per annum Platform charge: 0.30% Select investment style Active (equal split): Passive (equal split): Blended (50%, 25%, 25%): OCF range: 0.96% 1.07% OCF range: 0.39% 0.48% OCF range: 0.91% 1.09% Blended (50%, 25%, 25%): Active (equal split): Passive (equal split): OCF range: 1.15% 1.20% OCF range: 0.48% 0.% OCF range: 0.91% 1.09% Liberty Options SIPP: Liberty provide a SIPP wrapper with investments held via a GIA on Fusion. offers seamless integration with Enable, full fund look through, tax reporting and automatic rebalancing & access to Fusion Portfolios. Platform cost + investment cost = total cost to client. Apply via Fusion. Platform SIPP Aviva Wrap offers valuation via Enable, Platform cost + investment cost = total cost to client. Blended solutions not available. Fusion portfolios not available. Platform charge: % (tiered) Active (equal split): OCF range: 1.15% 1.20% Passive (equal split): OCF range: 0.43% 0.65% Blended (50%, 25%, 25%): Platform SIPP AXA Elevate offers valuation via Enable, Platform cost + investment cost = total cost to client. Fusion portfolios not available. Further platform charge reductions for portfolios of > 1.5m OCF range: 0.88% 1.08% Flexi-access drawdown, PCLS and UFPLS Each of the providers offer a drawdown option. Additional charges apply for Liberty/Fusion. Please consult an illustration or contact the helpdesk for more information. Please see the full tables at the back of this document for income fund options. 3

4 2. Pension (accumulation & decumulation) continued Off-Platform Pensions Select investment style Guaranteed Strategies OCF range: 1.20% 2.10.% MetLife Pension: MetLife is held off platform directly with the provider. OCF depends on the selected terms. Please consult MetLife for an illustration. Smoothed Strategies OCF range: 0.9% % (large fund discounts apply) Blended Strategy (equal split) Prudential Retirement Account: PRA is held off platform directly with the provider. OCF reduces with size of investment. Please consult Prudential for an illustration. Stakeholder OCF range:1.65% % (large fund discounts apply) Flexi-access drawdown, PCLS and UFPLS Each of the providers offer a drawdown option. Additional charges may apply in each case. Please consult an illustration or contact the helpdesk for more information. Internal Managed Strategy (Stakeholder only) Risk 3 Mixed Investment 0-35% Risk 4 Mixed Investment 20-60% Risk 6 Mixed Investment 40-85% Aviva Stakeholder The Stakeholder plan must be held off platform. Although the Aviva platform pension has lower charges it does not conform to Stakeholder rules. The Managed fund solutions are not approved for use in any other wrapper or product. Use S2 share class. The Sandringham Business Standards and Better Business: Pensions Guide provides more information on selecting a pension provider. 4

5 2. Pension (decumulation) Fixed Term Annuity No investment element LV Protected Retirement Plan: The LV plan permits a set level of income (including nil income) for a term between 3 and 25 years. The maturity value is guaranteed at outset. A range of income and death benefit options are available but income cannot be changed during the term. Lifetime Annuity Annuity: Please obtain comparisons via the helpdesk/tomas service. Once the shape of the annuity is agreed, TOMAS will provide underwriting information to each provider to obtain the best rates. The Sandringham Business Standards and Better Business: At Retirement provides more information on selecting a suitable solution. 5

6 3. Mortgages & Equity Release Mortgages Sandringham Partners may consider any lender on the SimplyBiz mortgage club panel. The images do not represent an exhaustive list and is subject to change. Please consult your mortgage sourcing software or SimplyBiz mortgages directly. Equity Release Please contact Head Office for more information V2.0.3 ADVISER USE ONLY DO NOT PROVIDE TO CLIENTS 6

7 4. Protection Protection Protection providers: Each of the protection providers above provide life and critical illness covers as well as income protection and business protection. Please obtain an illustration or Assureweb comparison for full details. Whilst the level of premium is important, we strongly encourage advisers to look at the additional or unique benefits offered by these providers and ensure that they select the most suitable cover for the client and their objectives. Sandringham does not expect advisers to simply select the lowest cost premium. Whilst this is one method of determining which provider to select, there may be other benefits Protection - Specialists Relevant Life with Critical Illness Cover Partnership provide a specialist underwriting service dedicated to clients seeking life assurance with existing impairment or medical history. Life cover/wol/fib/business protection available. OneFamily provide life cover for clients over 50. The client must survive for 2 years from inception to receive the full benefits. Premiums stop at age 90 but cover continues. No medical underwriting is required. Products in this section require preapproval. The Exeter provide income protection insurance including a nonoccupation rated product. The Sandringham Business Standards and Better Business: Protection provides more information on selecting a suitable solution. 7

8 5. GI and Referral Business Buildings & Contents Landlord Insurance Uinsure: Our preferred provider for B&C and Landlords insurances, Uinsure offers a 5 star rated product from one of 4 insurers (shown right) and a series of useful comparison tools. Whilst we can accept an off panel recommendation for B&C or Landlord cover, this must always be accompanied by a Uinsure quote, together with a comparison of the cover levels available. You can either provide an advised service, or simply refer a case to Uinsure who will provide the advice to your client over the telephone and pay a reduced rate of commission for the introduction. General Insurance Referrals Uinsure: Sandringham partners do not provide advice on general insurance products other than B&C and Landlord insurance. However other commercial insurances can be referred to Uinsure who in turn will liase with their broker to arrange cover for your clients. A split of commission is payable. Second charge & unsecured Private Medical Insurance Fluent Money: Fluent money provide telephone advice on second charge lending. There is a no cross sell agreement in place with Sandringham and fees from successful introductions are paid to Sandringham partners. Sandringham cannot provide advice on second charge lending. Fluent also provide a brokerage for unsecured lending. Vitality Health Care: Our preferred provider for private health insurance. Comprehensive Core Cover offers completely joined-up private healthcare. You can personalise your plan with a range of Cover Options to suit your budget without compromising on care. 8

9 6. Investment & pension detailed information for advisers Fusion Provider Type Wrapper Risk Profile Style Asset Name % Asset Type Estimated OCF Citi Code 1yr 3yr 5yr Manager Platform ISA/GIA/SIPP/FAD RP3 Active BMO (F&C) Lifestyle Foundation B Acc JW3A R. Burdett / G Potter FP Verbatim Portfolio 3 B Acc 1.07% IBE Liontrust Fusion Wealth Portfolio 3 33 Portfolio Fusion Wealth SIPP/FAD via: RP4 Active BMO (F&C) Lifestyle Defensive B Acc GRGU F&C MM Team FP Verbatim Portfolio 4 B Acc 1.00% IBF Liontrust Fusion Wealth Portfolio 4 33 Portfolio Fusion Wealth RP5 Active BMO (F&C) Lifestyle Cautious B Acc GRGT F&C MM Team FP Verbatim Portfolio 5 B Acc 1.04% IBF Liontrust Fusion Wealth Portfolio 5 33 Portfolio Fusion Wealth RP6 Active BMO (F&C) Lifestyle Balanced B Acc GRGS F&C MM Team FP Verbatim Portfolio 6 B Acc 1.13% IBF Liontrust Fusion Wealth Portfolio 6 33 Portfolio Fusion Wealth RP7 Active BMO (F&C) Lifestyle Growth B Acc GRGV R. Burdett / G Potter FP Verbatim Portfolio 7 B Acc 1.11% IBF Liontrust Fusion Wealth Portfolio 7 33 Portfolio Fusion Wealth Platform ISA/GIA/SIPP/FAD RP3 Passive Total Clarity Portfolio 3 LEX Architas MM Team Architas Multi-Asset Passive Reserve D Acc 0.47% KLCI Shel. MacDonald Fusion Wealth Tracker Portfolio 3 33 Portfolio Fusion Wealth SIPP/FAD via: RP4 Passive Total Clarity Portfolio 4 LEY Architas MM Team Architas Multi-Asset Passive Moderate D Acc 0.46% KLCJ Shel. MacDonald Fusion Wealth Tracker Portfolio 4 33 Portfolio Fusion Wealth RP5 Passive Total Clarity Portfolio 5 LEY Architas MM Team Architas Multi-Asset Passive Intermediate D Acc 0.45% KLCK Shel. MacDonald Fusion Wealth Tracker Portfolio 5 33 Portfolio Fusion Wealth RP6 Passive Total Clarity Portfolio 6 LEY Architas MM Team Architas Multi-Asset Passive Progressive D Acc 0.49% KLCL Shel. MacDonald Fusion Wealth Tracker Portfolio 6 33 Portfolio Fusion wealth RP7 Passive Architas Multi-Asset Passive Growth D Acc KLCM Shel. MacDonald 0.33% Fusion Wealth Tracker Portfolio 7 33 Portfolio Fusion Wealth NOTE: The Sandringham Passive solutions above can also be created using the Architas Z class share, in place of the D class share. The Z class share has a zero annual management charge, and an OCF of around 0.20%. There is a 1% initial charge to access this share class. Other constituents of the portfolio remain unchanged. 9

10 6. Investment & pension detailed information for advisers - Fusion Platform ISA/GIA/SIPP/FAD RP3 Blended FP Verbatim Portfolio 3 B Acc 50 IBE Liontrust Architas Multi-Asset Passive Reserve D Acc % KLCI Shel. MacDonald SIPP/FAD via: Total Clarity Portfolio 3 25 LEX Architas MM Team RP4 Blended FP Verbatim Portfolio 4 B Acc 50 IBF Liontrust Architas Multi-Asset Passive Moderate D Acc % JMLP Shel. MacDonald Total Clarity Portfolio 4 25 LEY Architas MM Team ISA/GIA/SIPP/FAD RP5 Blended FP Verbatim Portfolio 5 B Acc 50 IBF Liontrust Architas Multi-Asset Passive Intermediate D Acc % JMLQ Shel. MacDonald Total Clarity Portfolio 5 25 LEY Architas MM Team RP6 Blended FP Verbatim Portfolio 6 B Acc 50 IBF Liontrust Architas Multi-Asset Passive Progressive D Acc % KLCL Shel. MacDonald Total Clarity Portfolio 6 25 LEY Architas MM Team RP7 Blended FP Verbatim Portfolio 7 B Acc 50 IBF Liontrust 0.92% Architas Multi-Asset Passive Growth D Acc 50 KLCM Shel. MacDonald ISA/GIA/SIPP/FAD RP4 Income BMO (F&C) MM Navigator Distribution C Inc % G6HE Yield: 4.60% F&C MM Team RP4 Income BMO (F&C) MM Navigator Distribution M Inc G6HE Yield: 4.60% F&C MM Team % (Monthly) RP5 Income FP Verbatim Portfolio 5 Income Fund % IBF3 Yield: 3.39% Sarasin 10

11 6. Investment & pension detailed information for advisers Aviva Wrap Provider Type Wrapper Risk Profile Style Asset Name % Asset Type Estimated OCF Citi Code 1yr 3yr 5yr Manager Platform ISA/GIA/SIPP/FAD RP3 Active BMO (F&C) Lifestyle Foundation B Acc 50 JW3A R. Burdett / G Potter 1.33 FP Verbatim Portfolio 3 B Acc 50 IBE Liontrust RP4 Active BMO (F&C) Lifestyle Defensive B Acc 50 GRGU F&C MM Team 1.17 FP Verbatim Portfolio 4 B Acc 50 IBF Liontrust RP5 Active BMO (F&C) Lifestyle Cautious B Acc 50 GRGT F&C MM Team 1.20 FP Verbatim Portfolio 5 B Acc 50 IBF Liontrust RP6 Active BMO (F&C) Lifestyle Balanced B Acc 50 GRGS F&C MM Team 1.23 FP Verbatim Portfolio 6 Growth B Acc 50 IBF Liontrust RP7 Active BMO (F&C) Lifestyle Growth B Acc 50 GRGV R. Burdett / G Potter 1.25 FP Verbatim Portfolio 7 B Acc 50 IBF Liontrust Platform ISA/GIA/SIPP/FAD RP4 Income BMO (F&C) MM Navigator Distribution C Inc G6HE Yield: 4.60% F&C MM Team RP5 Income FP Verbatim Portfolio 5 Income Fund IBF3 Yield: 3.39% Sarasin RP4 Income (Monthly) BMO (F&C) MM Navigator Distribution M Inc G6HE Yield: 4.60% F&C MM Team Platform ISA/GIA/SIPP/FAD RP3 Passive Total Clarity Portfolio 3 50 LEX Architas MM Team 0.61 Architas Multi-Asset Passive Reserve D Acc 50 JMLO Shel. MacDonald RP4 Passive Total Clarity Portfolio 4 50 LEY Architas MM Team 0.62 Architas Multi-Asset Passive Moderate D Acc 50 JMLP Shel. MacDonald RP5 Passive Total Clarity Portfolio 5 50 LEY Architas MM Team 0.60 Architas Multi-Asset Passive Intermediate D Acc 50 JMLQ Shel. MacDonald RP6 Passive Total Clarity Portfolio 6 50 LEY Architas MM Team 0. Architas Multi-Asset Passive Progressive D Acc 50 KLCL Shel. MacDonald RP7 Passive Architas Multi-Asset Passive Growth D Acc KLCM Shel. MacDonald Platform ISA/GIA/SIPP/FAD RP3 Blended FP Verbatim Portfolio 3 B Acc 50 IBE Liontrust Architas Multi-Asset Passive Reserve D Acc % KLCI Shel. MacDonald Total Clarity Portfolio 3 25 LEX Architas MM Team RP4 Blended FP Verbatim Portfolio 4 B Acc 50 IBF Liontrust Architas Multi-Asset Passive Moderate D Acc % JMLP Shel. MacDonald Total Clarity Portfolio 4 25 LEY Architas MM Team RP5 Blended FP Verbatim Portfolio 5 B Acc 50 IBF Liontrust Architas Multi-Asset Passive Intermediate D Acc % JMLQ Shel. MacDonald Total Clarity Portfolio 5 25 LEY Architas MM Team RP6 Blended FP Verbatim Portfolio 6 B Acc 50 IBF Liontrust Architas Multi-Asset Passive Progressive D Acc % KLCL Shel. MacDonald Total Clarity Portfolio 6 25 LEY Architas MM Team RP7 Blended FP Verbatim Portfolio 7 B Acc 50 IBF Liontrust 0.91% Architas Multi-Asset Passive Growth D Acc 50 KLCM Shel. MacDonald 11

12 6. Investment & pension detailed information for advisers Elevate (S class) Provider Type Wrapper Risk Profile Style Asset Name % Asset Type Estimated OCF Citi Code 1yr 3yr 5yr Manager Platform ISA/GIA/SIPP/FAD RP3 Active BMO (F&C) Lifestyle Foundation B Acc 50 JW3A R. Burdett / G Potter 1.33 FP Verbatim Portfolio 3 B Acc 50 IBE Liontrust RP4 Active BMO (F&C) Lifestyle Defensive B Acc 50 GRGU F&C MM Team 1.17 FP Verbatim Portfolio 4 B Acc 50 IBF Liontrust RP5 Active BMO (F&C) Lifestyle Cautious B Acc 50 GRGT F&C MM Team 1.20 FP Verbatim Portfolio 5 B Acc 50 IBF Liontrust RP6 Active BMO (F&C) Lifestyle Balanced B Acc 50 GRGS F&C MM Team 1.23 FP Verbatim Portfolio 6 Growth B Acc 50 IBF Liontrust RP7 Active BMO (F&C) Lifestyle Growth B Acc 50 GRGV R. Burdett / G Potter 1.25 FP Verbatim Portfolio 7 B Acc 50 IBF Liontrust Platform ISA/GIA/SIPP/FAD RP4 Income BMO (F&C) MM Navigator Distribution C Inc G6HE Yield: 4.60% F&C MM Team RP5 Income FP Verbatim Portfolio 5 Income Fund IBF3 Yield: 3.39% Sarasin RP4 Income (Monthly) BMO (F&C) MM Navigator Distribution M Inc G6HE Yield: 4.60% F&C MM Team Platform ISA/GIA/SIPP/FAD RP3 Passive Total Clarity Portfolio 3 50 LEX Architas MM Team 0.58 Architas Multi-Asset Passive Reserve S Acc 50 JMLO Shel. MacDonald RP4 Passive Total Clarity Portfolio 4 50 LEY Architas MM Team 0.59 Architas Multi-Asset Passive Moderate S Acc 50 JMLP Shel. MacDonald RP5 Passive Total Clarity Portfolio 5 50 LEY Architas MM Team 0.58 Architas Multi-Asset Passive Intermediate S Acc 50 JMLQ Shel. MacDonald RP6 Passive Total Clarity Portfolio 6 50 LEY Architas MM Team 0.65 Architas Multi-Asset Passive Progressive S Acc 50 KLCL Shel. MacDonald RP7 Passive Architas Multi-Asset Passive Growth S Acc KLCM Shel. MacDonald Platform ISA/GIA/SIPP/FAD RP3 Blended FP Verbatim Portfolio 3 B Acc 50 IBE Liontrust Architas Multi-Asset Passive Reserve S Acc % KLCI Shel. MacDonald Total Clarity Portfolio 3 25 LEX Architas MM Team RP4 Blended FP Verbatim Portfolio 4 B Acc 50 IBF Liontrust Architas Multi-Asset Passive Moderate S Acc % JMLP Shel. MacDonald Total Clarity Portfolio 4 25 LEY Architas MM Team RP5 Blended FP Verbatim Portfolio 5 B Acc 50 IBF Liontrust Architas Multi-Asset Passive Intermediate S Acc % JMLQ Shel. MacDonald Total Clarity Portfolio 5 25 LEY Architas MM Team RP6 Blended FP Verbatim Portfolio 6 B Acc 50 IBF Liontrust Architas Multi-Asset Passive Progressive S Acc % KLCL Shel. MacDonald Total Clarity Portfolio 6 25 LEY Architas MM Team RP7 Blended FP Verbatim Portfolio 7 B Acc 50 IBF Liontrust 0.88% Architas Multi-Asset Passive Growth S Acc 50 KLCM Shel. MacDonald Elevate investments are eligible to use the discounted S class share of all Architas funds. 12

13 6. Investment & pension detailed information for advisers Elevate (Z class) Provider Type Wrapper Risk Profile Style Asset Name % Asset Type Estimated OCF Citi Code 1yr 3yr 5yr Manager Platform ISA/GIA/SIPP/FAD RP3 Passive Total Clarity Portfolio 3 50 LEX Architas MM Team 0.47 Architas Multi-Asset Passive Reserve Z Acc 50 JMLO Shel. MacDonald RP4 Passive Total Clarity Portfolio 4 50 LEY Architas MM Team 0.48 Architas Multi-Asset Passive Moderate Z Acc 50 JMLP Shel. MacDonald RP5 Passive Total Clarity Portfolio 5 50 LEY Architas MM Team 0.47 Architas Multi-Asset Passive Intermediate Z Acc 50 JMLQ Shel. MacDonald RP6 Passive Total Clarity Portfolio 6 50 LEY Architas MM Team 0.47 Architas Multi-Asset Passive Progressive Z Acc 50 KLCL Shel. MacDonald RP7 Passive Architas Multi-Asset Passive Growth Z Acc KLCM Shel. MacDonald Platform ISA/GIA/SIPP/FAD RP3 Blended FP Verbatim Portfolio 3 B Acc 50 IBE Liontrust Architas Multi-Asset Passive Reserve Z Acc KLCI Shel. MacDonald Total Clarity Portfolio 3 25 LEX Architas MM Team RP4 Blended FP Verbatim Portfolio 4 B Acc 50 IBF Liontrust Architas Multi-Asset Passive Moderate Z Acc JMLP Shel. MacDonald Total Clarity Portfolio 4 25 LEY Architas MM Team RP5 Blended FP Verbatim Portfolio 5 B Acc 50 IBF Liontrust Architas Multi-Asset Passive Intermediate Z Acc JMLQ Shel. MacDonald Total Clarity Portfolio 5 25 LEY Architas MM Team RP6 Blended FP Verbatim Portfolio 6 B Acc 50 IBF Liontrust Architas Multi-Asset Passive Progressive Z Acc KLCL Shel. MacDonald Total Clarity Portfolio 6 25 LEY Architas MM Team RP7 Blended FP Verbatim Portfolio 7 B Acc 50 IBF Liontrust 0.77 Architas Multi-Asset Passive Growth Z Acc 50 KLCM Shel. MacDonald Elevate investments are eligible to use the discounted Z class share of all Architas funds. These funds carry a discounted AMC, and a 1% initial fund charge. The charge is levied on all new entries to the fund, including rebalances and fund switches. 13

14 6. Investment & pension detailed information for advisers Prudential, Met Life, VDS, Stakeholder Provider Type Wrapper Risk Profile Style Asset Name % Asset Type Estimated OCF Citi Code 1yr 3yr 5yr Manager Off Platform ISA RP3 Smoothed Prufund Managed M5DV Prudential PMG RP4 Prufund Managed M5DX Prudential PMG 1.35% RP5 Prufund Managed M5DZ Prudential PMG RP6 Prufund Managed M5EB Prudential PMG Off Platform OSB RP3 Smoothed Prufund Managed 0I3E Prudential PMG RP4 Prufund Managed 0I3H Prudential PMG Large fund RP5 Prufund Managed 0I3K Prudential PMG discounts RP6 Prufund Managed 0I3N Prudential PMG apply please Off Platform PEN/DD RP3 Smoothed Prufund Managed 0I Prudential PMG refer to an RP4 Prufund Managed 0I Prudential PMG illustration RP5 Prufund Managed 0I Prudential PMG RP6 Prufund Managed 0I Prudential PMG Off Platform ISA/PEN/DD/OSB Any RP covered Guarantee options Secure Income Option RP3 Max 25% Growth Asset RP3 Max 35% Growth Asset Secure Capital Option RP3 Max 25% Growth Asset RP3 Max 35% Growth Asset RP4 Max 50% Growth Asset Blackrock and Fidelity RP6 RP7 Max 75% Growth Asset Max 90% Growth Asset Provider Type Wrapper Risk Profile DISCRETIONARY Discretionary (off platform) ISA/GIA/SIPP/FAD SIPP/FAD via: All RP covered Style Asset Name % Asset Type Estimated OCF Citi Code Assets held will be at the discretionary manager. It is possible to appoint one or more managers to any portfolio. Discretionary 1yr 3yr 5yr Manager Please refer to Verbatim for detailed charges and performance information. Smith & Williamson Henderson Rowe TCF Investments RSMR J O Hambro Off Platform SHP RP3 Active Aviva Mixed Investments 0-35% shares S2 100 Managed NX93 n/a RP4 Aviva Mixed Investments 20-60% shares S2 100 Managed 0.55% A9B4 - P Fitzgerald / G. Counsell RP6 Aviva Mixed Investments 40-85% shares S2 100 Managed NX84 P Fitzgerald / G. Counsell 14

15 7. Key to terms and additional information ISA - Individual Savings Account. GIA - General Investment Account (unwrapped collective investments held on a platform). SIPP - Self Invested Personal Pension (although offering simpler functionality, platform pensions are typically SIPPs). FAD - Flexi-Access Drawdown (this option permits a client to withdraw funds from their pension as income, UFPLS or PCLS). OCF - Ongoing charges figure made up of the annual management charge and additional expenses incurred by the fund. The OCF is the most accurate measure of the fund cost and replaces the Total Expense Ratio (TER). All OCF figures in this document exclude adviser charges and platform charges. PEN - Pension non SIPP and off platform. OSB - UK onshore investment bond. OFB - Offshore investment bond. HYB - Hybrid pension comprising annuity and FAD in one contract. DD - Off platform flexi-access drawdown. SHP - Stakeholder pension. 1yr, 3yr, 5yr Cumulative performance figures over the periods gross return before tax, including allowing for charges (i.e. performance includes the effect of fund charges). These figures will be updated periodically please refer to a factsheet for more information. CITI code 4 digit fund identifier each fund and share class has its own CITI code. You can use this to ensure the correct share class is used. Active Active fund management. An investment style that supports a management and research team to achieve outperformance of a given benchmark. Active managers believe they can position their portfolios, or buy certain assets in such a way to produce better returns for their investors. As a result of the increased human element of active management and the increased propensity to trade assets, charges for actively managed funds are typically higher than for passive funds. Passive Passive fund management. An investment style that supports the use of tracking certain markets or sectors using passive instruments. A passive fund itself may not be a tracker, but may be made up of a number of tracking assets. As a result of trading less frequently, and buying assets that are not active, charges on passive investments are generally lower. Fund provider: The Architas Multi-Asset Passive Funds use a fund of funds approach. This means that instead of trying to match one market benchmark, the Funds invest in a variety of different index tracker funds, which in turn hold assets to replicate their chosen indices giving greater diversification across classes of asset, sector and geography. Platform: The Aviva Platform helps make your business more efficient and your clients investments easier to manage. It s straightforward to use, offers a wide range of investments and makes receiving your fees simple. Aviva also provide the Sandringham Stakeholder solution. Platform: When you use Elevate, you can manage all of your client's investments in one place, making it much easier for you both to see the bigger financial picture. As well as allowing you to place investment transactions quickly and securely on their behalf. Fund provider: A tailor made investment solution designed to fully align investor appetite for risk and hunger for profit. Underpinned by robust third party defined asset allocation each of the five Lifestyle portfolios is actively managed by our multimanager team. Platform provider and fund provider: Fusion Wealth was founded as a way of offering a market leading investment solution to advisory practices and consumers. Our proposition is a platform service that extends consumers outstanding value and the opportunity to benefit from enhanced financial management. Fusion Wealth is ultimately optional to advisory firms and we are therefore selected on the merits of our service standards and functionality. Product provider: The PruFund range of funds are designed to spread investment risk by investing in a range of different assets, and is managed by Prudential Portfolio Management Group Ltd (PPMG). In addition, each of the funds aim to protect investors against some of the ups and downs of the markets by using a unique smoothing process. Fund provider: TCF Investment believes that, over the long term, this focus on lower cost and risk will be rewarded with superior performance compared with the majority of competing approaches. Over the short and medium term such an approach can be expected to deliver a smoother return profile too. These investments are managed by Architas, using the Total Clarity Investment Process The FP Verbatim range of risk rated, portfolio fund solutions are managed by Liontrust LLP using the Verbatim investment process. one of the most respected fund management firms in the UK. The funds are designed to operate within the risk profile and tolerance to loss you have determined with your clients by using a robust, repeatable & independent investment process. Product provider: Help your clients build a stronger future with innovative solutions that balance flexibility, security and growth. 15