INVESTMENT MIX AND INVESTMENT RETURNS FOR WITH PROFITS POLICIES
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1 INVESTMENT MIX AND INVESTMENT RETURNS FOR WITH PROFITS POLICIES This leaflet shows the investment mix and investment returns for with profits policies in the following sub-funds of the Royal London Long Term Fund: RL open fund UFOB sub-fund UFIB sub-fund RAIB sub-fund. Since January 2010 we have varied the investment mix and investment return of each policy according to which sub-fund the policy is in. Each sub-fund has its own, which generate a separate investment return for the policies in it. Until the end of 2017 we continued to vary the investment mix and investment return of most policies in their last ten years. However, from 2018 onwards we have moved back to a single investment mix. We mentioned that we had started to make this change last year. This does not apply to the following: Regular premium pension policies taken out with Refuge Assurance before 1 October All single premium pension policies taken out with Refuge Assurance. Regular premium pension policies taken out with United Friendly and made paid up before 1 January If your policy has been paid up, it means that you can t pay any more contributions into it. Since January 2010 these policies have been invested entirely in government, and cash. This is because the policy guarantees are so far above the policy values, these policies effectively behave more like non profit policies. This document does not cover Royal London Funeral Investment Plans. Information on the investment mix and returns of these policies is sent separately to funeral providers. You can find out which sub-fund your policy is invested in by looking at the Your with profits policy leaflet that we sent you with your last yearly statement. You cannot switch from one sub-fund to an. Page 1 of Royal London Investment Mix v3.indd 1 18/04/ :17
2 RL open fund and RL open fund. investment mix at to more accurately reflect how asset were invested at that time charges) on backing the asset of with profits policies in the RL open fund. s to maturity or pension date has left until its maturity or pension date. However, from 2018 onwards we have moved back to a single investment mix therefore the investment return will not vary depending on how long your policy has left to run. policies in the RL open fund. Page 2 of Royal London Investment Mix v3.indd 2 18/04/ :17
3 UFOB sub-fund and UFOB sub-fund. investment mix at to more accurately reflect how asset were invested at that time charges) on backing the asset of with profits policies in the UFOB sub-fund. s to maturity or pension date has left until its maturity or pension date. However, from 2018 onwards we have moved back to a single investment mix therefore the investment return will not vary depending on how long your policy has left to run. policies in the UFOB sub-fund. Page 3 of Royal London Investment Mix v3.indd 3 18/04/ :17
4 UFIB sub-fund and UFIB sub-fund. investment mix at to more accurately reflect how asset were invested at that time charges) on backing the asset of with profits policies in the UFIB sub-fund. s to maturity date has left until its maturity or pension date. However, from 2018 onwards we have moved back to a single investment mix therefore the investment return will not vary depending on how long your policy has left to run. policies in the UFIB sub-fund. Page 4 of Royal London Investment Mix v3.indd 4 18/04/ :17
5 RAIB sub-fund and RAIB sub-fund. investment mix at to more accurately reflect how asset were invested at that time charges) on backing the asset of with profits policies in the RAIB sub-fund. s to maturity date has left until its maturity or pension date. However, from 2018 onwards we have moved back to a single investment mix therefore the investment return will not vary depending on how long your policy has left to run. policies in the RAIB sub-fund. Page 5 of Royal London Investment Mix v3.indd 5 18/04/ :17
6 If you would like a copy of this document in large print, please call us on Royal London Royal London House, Alderley Road, Wilmslow, SK9 1PF royallondon.com The Royal London Mutual Insurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. It provides life assurance and pensions and is a member of the Association of British Insurers and the Association of Financial Mutuals. Page 6 of 6 D2C-IMIR-RL 07/ Royal London Investment Mix v3.indd 6 18/04/ :17
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