IMPORTANT FUND INFORMATION.

Transcription

1 INVESTOR PORTFOLIO SERVICE (IPS) IMPORTANT FUND INFORMATION. NATIONWIDE (PANEL XN) This guide gives you further information about funds that were previously available and supports the Key Investor Information Document.

2 IMPORTANT FUND INFORMATION 2 WHERE TO START. BEFORE YOU START READING There are several important documents you should read to help you make your decision about investing: The Key Investor Information Document (KIID) gives you the key information you need to decide whether a fund is right for you. It s essential you read the KIID carefully so you understand what you re buying. The Investing with IPS brochure gives you important information to help you make an informed decision about investing. You should read this document carefully so you understand what you are buying. This Important Fund Information guide gives you information about the funds that were previously available, but which you can pay more money into (top up), and general risk information. The Terms and Conditions that apply when you invest in a product with IPS. CONTACTING US There are several different ways of getting in touch with us. Calling our UK Customer services contact centre on: We re open Monday to Friday 9am to 5.30pm. Call charges will vary. We may record and monitor calls. Enquiries@Nationwide.onlineIPS.co.uk If you re contacting us by , please remember not to send any personal, financial or banking information because is not a secure method of communication. Investor Portfolio Service PO Box 1112 Chelmsford CM99 2UX OTHER USEFUL INFORMATION You ll also find more fund information in the fund s factsheet and Prospectus. The Using IPS guide tells you about investing in funds and also how to make changes to your investment. The Platform Charge Explained document tells you more about the IPS Platform Charge. If you ve agreed to pay adviser charges the Guide to Facilitated Adviser Charges explains how we can facilitate payment of these for you. If you need a copy of these documents please contact your adviser or Customer Services.

3 IMPORTANT FUND INFORMATION 3 INVESTMENT RISK. Investing in a fund always means putting your money at some sort of risk. Your attitude to risk is key to choosing which fund, or mix of funds, is suitable for you. A fund that is higher risk generally means the potential return from that fund is higher, but also that the potential to lose money is higher. A higher risk fund may also be more volatile, meaning the fund value may rise and fall more frequently, and by larger amounts. A lower risk fund generally means a lower potential return, but with less risk of losing money. It is usually less volatile, meaning the fund value is usually less likely to rise and fall as frequently, or by as much. GENERAL INVESTMENT RISKS The Investing with IPS document lists the general investment risk that you should be aware of before you decide to invest. This risk applies to all funds. The effect of this risk will vary between funds, depending on how the fund invests. RISK AND REWARD PROFILE The risk and reward profile calculated by the fund manager is shown on the KIID as a number on a standard scale based on the potential risk and also the potential reward of a fund. It allows comparison across most European investment funds using standard calculations based on the type of fund you re comparing. It shows the volatility in the performance of each fund, giving you an idea of how much risk you re exposed to and how much a fund can rise and fall in value. The risk and reward profile is split into seven sections, so you can find funds that meet the appropriate level of risk for you. However, it doesn t allow you to compare the relative risk of two funds within the same section. The calculation is based on the rate at which the value of the fund has moved up and down in the past five years. It s important you regularly review the funds you hold to make sure you re comfortable with the risk and the funds are still suitable for your investment objectives.

4 IMPORTANT FUND INFORMATION 4 FUND INFORMATION NOT COVERED IN THE KEY INVESTOR INFORMATION DOCUMENTS. In this section you ll find a table showing information about the funds we offer that s not covered in the Key Investor Information Documents. The information provided for each fund is as accurate and current as we can make it. For external funds we rely on the information provided by the company managing it. As such, we can t guarantee it s up to date. THE FUND INFORMATION HEADINGS EXPLAINED. UNIT OR SHARE TYPE AVAILABLE This tells you what types of units (for unit trusts) or shares (for open-ended investment companies) are available for the fund. ACC Accumulation units/shares These are designed to achieve capital growth by reinvesting any income received. INC Income units/shares These are designed to pay you an income. PRICING METHOD Whether a fund is Single or Dual priced when you buy and sell units and shares. This affects how the charges for the fund are taken when you buy and sell units and shares. VALUATION POINT The time each business day when the fund manager works out the unit or share price of a fund based on the value of all its assets, and processes any transactions. EX-DIVIDEND (XD) DATES FOR CALCULATING INCOME Also known as the XD date. Dates on which the fund manager bases their calculation of any income payable at a subsequent distribution date. DISTRIBUTION TYPE Whether a fund pays out Interest income or Dividend income. This affects how your investment is taxed. Please see the Tax section of Investing with IPS for more about interest and dividend income. CHARGES PAID FROM INCOME GENERATED OR CAPITAL Tells you whether the fund manager takes their charges from the income the fund generates or from its capital. FUND REBATE This tells you any rebate that you ll receive from the fund charge. DISTRIBUTION DATES FOR INCOME The dates in the year when we receive the income from income units or shares in the fund. If you hold accumulation units or shares in the fund, this date is for accounting purposes only. Please see the KIID for each fund for information on charges.

5 IMPORTANT FUND INFORMATION IMPORTANT FUND INFORMATION 5 The following funds are available to: Advised customers You are paying or have paid an initial or ongoing Adviser Charge to Nationwide. Existing customers who originally invested before 31 December 2012 and are not paying an adviser charge. Fund name Unit/share type available Pricing method Valuation point Distribution dates for income Ex-dividend (XD) dates for calculating income Distribution type Charges paid from income generated or capital Fund rebate Aberdeen World Equity I Fund Acc, Inc Single 12 noon 30/04, 31/10 01/02, 01/08 Dividend Income 0.33% BlackRock UK Income D Fund Acc, Inc Dual 12 noon 31/01, 30/04, 31/07, 31/10 01/12, 01/03, 01/06, 01/09 Dividend Capital n/a BlackRock UK Special Situations D Fund Acc Dual 12 noon 30/04, 31/10 01/03, 01/09 Dividend Income n/a First State Global Resources B Fund Acc Single 12 noon 31/03, 30/09 01/02, 01/08 Dividend Income n/a Invesco Perpetual Income Fund (No Trail) Acc, Inc Single 12 noon 31/05, 30/11 01/04, 01/10 Dividend Capital 0.30% Janus Henderson Sterling Bond I Fund Acc, Inc Dual 12 noon 15/03, 15/06, 15/09, 15/12 16/01, 16/04, 16/07, 16/10 Interest Income 0.12% Jupiter Merlin Growth Portfolio I Fund Acc, Inc Dual 12 noon 30/04, 31/10 01/03, 01/09 Dividend Income 0.02% Jupiter Merlin Income Portfolio I Fund Acc, Inc Dual 12 noon 15/03, 15/06, 15/09, 15/12 16/01, 16/04, 16/07, 16/10 Dividend Capital 0.02% Kames High Yield Bond B Fund Acc, Inc Single 12 noon Final day of each month First day of each month Interest Capital 0.15% Kames High Yield Bond S Fund Acc, Inc Single 12 noon 31/03, 30/06, 30/09, 30/12 01/02, 01/05, 01/08, 01/11 Interest Captial n/a Kames Investment Grade Bond B Fund Acc, Inc Single 12 noon 31/03, 30/06, 30/09, 31/12 01/02, 01/05, 01/08, 01/11 Interest Income 0.15% L&G (N) Tracker Trust I Acc, Inc Single 12 noon 31/05, 30/11 31/03, 30/09 Dividend Income 0.04% L&G UK Select Equity I Fund Acc Single 12 noon 31/05, 30/11 31/03, 30/09 Dividend Income n/a Legal & General Cash I Trust Acc Dual 12 noon 05/01, 05/04, 05/07, 05/10 05/11, 05/02, 05/05, 05/08 Interest Income n/a Legal & General Ethical I Trust Acc, Inc Dual 12 noon 12/02, 12/08 12/12, 12/06 Dividend Income n/a Legal & General Global Emerging Market Index I Fund Legal & General Mixed Investment 0 35% I Fund Legal & General Mixed Investment 40 85% M Fund Acc Dual 12 noon 30/09 31/07 Dividend Income n/a Acc Single 3pm 31/03, 30/09 31/01, 31/07 Dividend Income 0.10% Acc Single 3pm 31/05, 30/11 30/09, 31/03 Dividend Income n/a Legal & General MM Growth I Trust Acc, Inc Dual 12 noon 15/03, 15/09 15/01, 15/07 Dividend Income n/a Legal & General MM Income I Trust Acc, Inc Dual 12 noon 15/03, 15/06,15/09, 15/12 15/01, 15/04, 15/07, 15/10 Dividend Capital n/a Legal & General Sterling Corporate Bond Index I Fund Acc, Inc Dual 12 noon 20/04, 20/07, 20/10, 20/01 20/02, 20/05, 20/08, 20/11 Interest Capital 0.05% Legal & General UK Property Feeder I Fund Acc, Inc Dual 12 noon 28/01, 28/04, 28/07, 28/10 28/11, 28/02, 28/05, 28/08 Dividend Income n/a M&G Feeder of Property Portfolio I Fund Acc, Inc Dual 12 noon 28/02, 31/05, 31/08, 30/11 01/01, 01/04, 01/06, 01/10 Dividend Income 0.05% M&G Global Emerging Markets I Fund Acc Single 12 noon 31/03 01/02 Dividend Income 0.05%

6 IMPORTANT FUND INFORMATION IMPORTANT FUND INFORMATION 6 The following funds are available to: Advised customers You are paying or have paid an initial or ongoing Adviser Charge to Nationwide. Existing customers who originally invested before 31 December 2012 and are not paying an adviser charge. Fund name Unit/share type available Pricing method Valuation point Distribution dates for income Ex-dividend (XD) dates for calculating income Distribution type Charges paid from income generated or capital Fund rebate M&G Global High Yield Bond I Fund Acc, Inc Single 12 noon Last working day of each month First working day of each month Interest Income 0.23% M&G Recovery I Fund Acc, Inc Single 12 noon 28/02, 31/08 04/01, 01/07 Dividend Income 0.10% M&G Strategic Corporate Bond I Fund Acc, Inc Single 12 noon 31/01, 30/04, 31/07, 31/10 01/12, 01/03, 01/06, 01/09 Interest Income 0.10% Neptune Balanced C Fund Acc Dual 12 noon 28/02, 31/08 01/01, 01/07 Dividend Income 0.10% Newton Multi-AssetBalanced B Fund Inc Single 12 noon 28/02, 31/08 31/12, 30/06 Dividend Capital 0.20% Royal London Corporate Bond M Fund Acc, Inc Single 12 noon 31/03, 30/06, 30/09, 31/12 01/02, 01/05, 01/08, 01/11 Interest Capital 0.15% Schroder High Yield Opportunities Z Fund Acc, Inc Dual 12 noon 25/03, 25/09 28/01, 28/07 Interest Capital n/a Schroder UK Alpha Income Z Fund Acc, Inc Single 12 noon 28/02, 31/08 01/01, 01/07 Interest Capital 0.08% Schroder UK Alpha Plus Z Fund Acc, Inc Dual 12 noon 31/07 31/05, 30/11 Dividend Income n/a Stewart Investors Global Emerging Markets Leaders B Fund Acc Single 12 noon 31/03, 30/09 01/02, 01/08 Dividend Income n/a Threadneedle Absolute Return Bond 2 Fund 1 Acc Single 12 noon 30/06 01/05 Interest Income n/a Threadneedle Global Select Z Fund Acc Single 12 noon 07/05 08/03 Dividend Income 0.08% Threadneedle UK Z Fund Acc Single 12 noon 07/05, 07/11 08/03, 08/09 Dividend Income 0.08% 1 You should read the Absolute Return Funds Guide before investing in this fund.

7 Cofunds Limited Registered in England and Wales No Registered office: Level 43, The Leadenhall Building, 122 Leadenhall Street, London, EC3V 4AB We are authorised and regulated by the Financial Conduct Authority P1245 W /18 H