Key Investor Information This document provides you with key investor information about this fund. It is not marketing material. The information is required by law to help you understand the nature and the risks of investing in this fund. You are advised to read it so you can make an informed decision about whether to invest. Baillie Gifford High Yield Bond Fund - Class B Shares Income Shares - ISIN GB0030816713 (also representative of Accumulation Shares ISIN GB00B1W0GF10) This Fund is a sub-fund of Baillie Gifford Bond Funds ICVC which is an Investment Company with Variable Capital. Baillie Gifford & Co Limited is the Authorised Corporate Director of the Fund and is wholly owned by Baillie Gifford & Co. Objectives and investment policy Objective The Fund aims to produce a high level of return, through combined capital growth and income payment. Policy To invest mainly in sub-investment grade bonds. To help to achieve the objective, derivatives, which are a type of financial contract, are used. Other Information Bonds are a type of investment which can be issued by governments, companies and other organisations when they want to borrow money. The issuer of the bond owes the holder a debt. The issuer is obliged to pay interest and/or repay the debt at a later date. Sub-investment grade bonds typically mean the risk of non-payment is high. You can sell some or all of your shares on any business day in the United Kingdom by contacting our Dealing Department by phone or post. Where properly completed documentation is received by post, shares will be sold at the next valuation point following receipt of the instruction. For Income shares any income due to you will be paid into your bank or building society account, paid on the dates specified in the Prospectus. For Accumulation shares income will be re-invested. No further shares will be purchased but the reinvestment will be reflected in the price of your existing accumulation shares. You are, however, deemed to have received the income for tax purposes. For further explanation and information see the investment objective and policy section of the Prospectus, which is available by contacting us. Recommendation: this Fund may not be appropriate for investors who plan to withdraw their money within five years. Risk and reward profile The Risk and Reward Indicator table demonstrates where the Fund ranks in terms of its potential risk and reward. The higher the rank the greater the potential reward but the greater the risk of losing money. It is based on past data, may change over time and may not be a reliable indication of the future risk profile of the Fund. The shaded area in the table below shows the Fund s ranking on the Risk and Reward Indicator. Typically lower rewards, lower risk Typically higher rewards, higher risk 1 2 3 4 5 6 7 Please note that even the lowest risk class can lose you money and that extreme adverse market circumstances can mean you suffer severe losses in all cases. The Fund is classified in the category above because it invests in corporate bonds which generally provide higher rewards and higher risks than other investments such as government bonds and cash. The indicator does not take into account the following relevant material risks: Investment markets can go down as well as up and market conditions can change rapidly. The value of an investment in the Fund, and any income from it, can fall as well as rise and you may not get back the amount invested. Custody of assets involves a risk of loss if the custodian becomes insolvent or breaches duties of care. Bonds issued by companies and governments may be adversely affected by changes in interest rates, expectations of inflation and a decline in the creditworthiness of the bond issuer. The issuers of bonds in which the Fund invests may not be able to pay the bond income as promised or could fail to repay the capital amount. The Fund's concentrated portfolio and long-term approach to investment may result in large movements in the share price. Derivatives may be used to obtain, increase or reduce exposure to assets and may result in the Fund being leveraged. This may result in greater movements (down or up) in the price of shares in the Fund. It is not our intention that the use of derivatives will significantly alter the overall risk profile of the Fund. In certain circumstances it can be difficult to buy or sell the Fund's holdings and even small purchases or sales can cause their prices to move significantly, affecting the value of the Fund and the price of shares in the Fund. Market values for securities which are difficult to trade may not be readily available, and there can be no assurance that any value assigned to them will reflect the price the Fund might receive upon their sale. The result of the UK Referendum on membership of the European Union introduces elements of political uncertainty and may have practical consequences for the Fund. Developments will be closely monitored. Page 1 of 2.
Charges The charges you pay are used to pay the costs of running the Fund, including the costs of marketing and distributing it. These charges reduce the potential growth of your investment. One-off charges taken before or after you invest Entry charge 0.00% Exit charge 0.00% These are the maximum charges that we might take out of your money before it is invested and before we pay out the sale proceeds of your investment. In some cases, you might pay less and you should speak to your financial adviser about this. The ongoing charges figure is based on the last year s expenses and may vary from year to year. It excludes the costs of buying or selling assets for the Fund (unless these assets are shares of another fund). For the ongoing charge, the figure is for Income Shares and is at 30/09/2016. The Fund's annual report for each financial year will include detail on the exact charges made. You can find further details about charges in Part 6 of the Prospectus. Charges taken from the Fund over a year Ongoing charges 0.38% Charges taken from the Fund under specific conditions Performance fee NONE Past performance % 60 50 40 30 20 10 0 You should be aware that past performance is not a guide to future performance. Fund launch date: 30/11/2001. Share/unit class launch date: 28/02/2002. Performance is calculated in GBP. Performance reflects the annual charge but excludes any initial charge paid. Performance is for Income Shares. Performance figures are to 31 December each year. -10-20 -30 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 Fund 1.0-29.3 58.5 15.6-3.9 25.1 9.0 2.4 0.2 10.1 Source: FE 2017 Practical information The Fund s Depositary is National Westminster Bank Plc. This document describes only one share class and other share classes are available. Further information on the Fund, the Prospectus and the latest annual and interim reports are available from Baillie Gifford or by visiting the website at www.bailliegifford.com. The remuneration policy, which includes details of (a) how remuneration and benefits are calculated and (b) the committee responsible for approving all remuneration policies within the firm, is also at the website address noted. All such documents are available in English, on paper and are free of charge on request. This Key Investor Information Document describes the Baillie Gifford High Yield Bond Fund only. The Prospectus and the annual and interim reports and accounts are prepared for the whole ICVC. The Baillie Gifford High Yield Bond Fund is a sub-fund of Baillie Gifford Bond Funds ICVC. The assets of the Fund are segregated from other sub-funds in the ICVC. This means that the assets of one sub-fund should not be used to meet the liabilities of another sub-fund. You can also find other information, including the Fund s latest prices, on our website. Tax laws in the United Kingdom may have an impact on your own tax position. You may at any time switch all or some of your shares in the Fund for shares in any fund of any of the Baillie Gifford ICVC(s). Baillie Gifford & Co Limited may be held liable solely on the basis of any statement contained in this document that is misleading, inaccurate or inconsistent with the relevant parts of the Prospectus for the Fund. To contact us please call Client Relations on 0800 917 2113 (fax 0131 275 3955), visit our website at www.bailliegifford.com or email us at trustenquiries@bailliegifford.com. Your call may be recorded for training or monitoring purposes. This Fund is authorised in the United Kingdom and regulated by the Financial Conduct Authority. This Key Investor Information is accurate as at 25/01/2017. BE79 Page 2 of 2.
Non-UCITS retail scheme Key Investor Information This document provides you with key investor information about this fund. It is not marketing material. The information is required by law to help you understand the nature and the risks of investing in this fund. You are advised to read it so you can make an informed decision about whether to invest. F&C Property Growth and Income Fund Share Class: I Inc, (ISIN GB00BQWJ8794). This Fund is managed by F&C Fund Management Ltd. Objectives and investment policy The investment objective of the Fund is to deliver capital and income appreciation. The Fund will seek to achieve this investment objective primarily through investment in and/or exposure to a combination of investments in UK commercial property and securities of property and property related issuers listed or operating in the countries of the European Union and/or the European Economic Area. While the securities in which the Fund invests will mainly be equity securities (ordinary shares in companies), investment may also be made in fixed interest securities (securities that pay either a fixed or variable level of income on a periodic basis and generally repay a specified amount at a pre-determined date) and securities convertible into equities (which pay a fixed rate of interest with an option to convert into equities at a pre-determined price on a specified date). The Fund may use derivatives (an investment contract between the Fund and a counterparty the value of which is derived from one or more underlying equities) for investment purposes, as well as for efficient portfolio management to maintain, increase or reduce exposure to particular securities or market indices. Such derivatives may include, but will not be restricted to, swaps, contracts for difference, forward currency contracts and financial futures and options. The Portfolio may invest all or part of its assets in cash or money market instruments (including government securities) if, in the opinion of the Fund Manager, the prevailing market and economic conditions warrant the adoption of such a policy. Risk and reward profile Historical data may not be a reliable indicator of the Fund's future risk and reward profile. The value of your investment may fall as well as rise. You need to be aware of the following risks before investing: Currency Risk: your investment may be adversely affected by changes to currency exchange rates. Liquidity Risk: the ability to buy and sell assets at a favourable price may be affected by a low level of counterparties willing to enter into a transaction with the Fund. Derivative Risk: derivative values rise and fall at a greater rate than equities and debt instruments. Losses can be greater than the initial investment. Market Risk: the value of assets held by the Fund may go down as well as up. There can be no assurances that the investment objectives of the Fund will be achieved. Charge from Capital Risk: taking the charges from the capital of the Fund to increase the distributable income may impact capital returns. Counterparty Risk: to gain greater income the Fund may deposit cash with various approved Counterparties. Return of the cash is dependant upon the continued solvency of the Counterparty. Restricted Diversification: investments are concentrated in companies which are focused on the property markets. These investments are limited to a relatively narrow segment of the economy. Performance may differ in direction and degree from that of the overall stock market. Up to 10% of the Portfolio may be invested in separately managed funds (including collective investment schemes) investing predominantly in securities in which the Fund may invest. Non-sterling investments may be hedged back to sterling. Any income earned by this share class will be reinvested back into the share class to help boost the value of a share. There is no minimum holding period for this Fund. Subject to the applicable investment restrictions, there is no prescription or restriction as to the proportion of the Fund that may be invested in or exposed to direct UK commercial property or securities of property and property related companies. Page 1 of 2.
Charges The charges you pay are used to pay the costs of running the Fund, including the costs of marketing and distributing it. These charges reduce the potential growth of your investment. One-off charges taken before or after you invest Entry charge 0.00% Exit charge 0.00% These are the maximum charges that we might take out of your money before it is invested and before we pay out the sale proceeds of your investment. In some cases, you might pay less and you should speak to your financial adviser about this. Charges taken from the Fund over a year Ongoing charges 1.07% The ongoing charges figure is based on the last year s expenses and may vary from year to year. It excludes the costs of buying or selling assets for the Fund (unless these assets are shares of another fund). The ongoing charges figure is at 31/12/2016 It excludes: Performance fees Portfolio transaction costs, except in the case of an entry/exit charge paid by the NURS when buying or selling units in another collective investment undertaking. For more information about charges, please see the section entitled Fees and Expenses in the Fund's prospectus, which is available at www.bmogam.com. Charges taken from the Fund under specific conditions Performance fee NONE Past performance % 3 2 1 You should be aware that past performance is not a guide to future performance. Fund launch date: 30/01/2015. Share/unit class launch date: 30/01/2015. Performance is calculated in GBP. The chart shows how much the Fund increased or decreased in value as a percentage in each year, net of charges (excluding entry charge), and net of tax. 0 2012 2013 2014 2015 2016 2012 2013 2014 2015 2016 Fund 2.6 Source: FE 2017 Practical information This document is issued by F&C Fund Management Limited (trading name BMO Global Asset Management). Further information regarding the Fund including copies of the prospectus, annual and half yearly report and accounts can be obtained free of charge from Retail Sales Support, BMO Global Asset Management, 80 George Street, Edinburgh, EH2 3BY, telephone: Sales Support on 0800 085 0383, email: sales.support@bmogam.com or electronically at www.bmogam.com. Details of the up to date renumeration policy including but not limited to a description of how remuneration and benefits are calculated will be available on www.bmogam.com when and in so far as available. Other practical information, including the latest published price for the Fund is available on our website www.bmogam.com. The Depositary for the Fund is State Street Trustees Limited. The tax legislation of the United Kingdom may have an impact on your personal tax position depending on your country of residence. F&C Fund Management Limited may be held liable solely on the basis of any statement contained in this document that is misleading, inaccurate or inconsistent with the relevant parts of the prospectus for the Fund. This Fund is authorised in the United Kingdom and regulated by the Financial Conduct Authority. F&C Fund Management Ltd is authorised in the United Kingdom and regulated by the Financial Conduct Authority. This Key Investor Information is accurate as at 03/03/2017. M3IK Page 2 of 2.
Non-UCITS retail scheme Key Investor Information This document provides you with key investor information about this fund. It is not marketing material. The information is required by law to help you understand the nature and the risks of investing in this fund. You are advised to read it so you can make an informed decision about whether to invest. F&C UK Property Feeder Fund Share Class: 2 Inc, (ISIN GB00BWZMHL49). This Fund is managed by F&C Fund Management Ltd. Objectives and investment policy The investment objective of the Fund is to provide income and capital growth. The Fund will invest all or substantially all of its assets in the shares of the F&C UK Property Fund ICVC. To the extent that the Fund is not fully invested in the F&C UK Property Fund ICVC the Fund will hold its remaining assets in cash. The F&C UK Property Fund ICVC is a property authorised investment fund which invests mainly in a diversified portfolio of commercial property. Income is distributed half yearly. There is no minimum holding period for this Fund. However, this Fund may not be appropriate for investors who plan to withdraw their money in under five years. You may buy or sell units daily on demand (but not weekends or UK bank holidays or other days when the Fund is not open for dealing). Orders to buy or sell must be received by 12 noon (UK time) to receive the price calculated at that day's valuation point. Risk and reward profile Historical data may not be a reliable indicator of the Fund's future risk and reward profile. The value of your investment may fall as well as rise. You need to be aware of the following risks before investing: Property Risk: the value of such investments is likely to reflect valuations of property assets as determined by professional valuers. Such valuations are the opinion of the valuer at a particular time, may not be supported by recent transactions and are liable to revision, up or down. Fund Liquidity Risk: the ability of the Fund to meet redemptions within normal settlement terms depends on the readily realisable assets held in the Fund. If properties have to be sold quickly this could result in lower prices being obtained for them. Liquidity Risk: the ability to buy and sell assets at a favourable price may be affected by a low level of counterparties willing to enter into a transaction with the Fund. Restricted Diversification: investments are concentrated in direct property in the UK. These investments are limited to a relatively narrow segment of the economy. Performance may differ in direction and degree from that of the stock market. Page 1 of 2.
Charges The charges you pay are used to pay the costs of running the Fund, including the costs of marketing and distributing it. These charges reduce the potential growth of your investment. One-off charges taken before or after you invest Entry charge 0.00% Exit charge 0.00% These are the maximum charges that we might take out of your money before it is invested and before we pay out the sale proceeds of your investment. In some cases, you might pay less and you should speak to your financial adviser about this. Charges taken from the Fund over a year Ongoing charges 0.88% The ongoing charges figure is based on the last year s expenses and may vary from year to year. It excludes the costs of buying or selling assets for the Fund (unless these assets are shares of another fund). The ongoing charges figure is at 31/12/2016 It excludes: Performance fees Portfolio transaction costs, except in the case of an entry/exit charge paid by the UCITS when buying or selling units in another collective investment undertaking. For more information about charges, please see the section entitled Fees and Expenses in the Fund's prospectus, which is available at www.bmogam.com. Charges taken from the Fund under specific conditions Performance fee NONE Past performance % 3 2 1 You should be aware that past performance is not a guide to future performance. Fund launch date: 01/09/2015. Share/unit class launch date: 01/09/2015. Performance is calculated in GBP. The chart shows how much the Fund increased or decreased in value as a percentage in each year, net of charges (excluding entry charge), and net of tax. 0 2012 2013 2014 2015 2016 2012 2013 2014 2015 2016 Fund 2.2 Source: FE 2017 Practical information This document is issued by F&C Fund Management Limited (trading name BMO Global Asset Management). The Trustee for the Fund is State Street Trustees Limited. You can obtain further information about the Fund, copies of the prospectus, annual report and accounts and half-yearly reports and accounts, free of charge, from Retail Sales Support, BMO Global Asset Management, 80 George Street, Edinburgh, EH2 3BU, telephone: Sales Support on 0800 085 0383, email: sales. support@bmogam.com. They are also available electronically at www.fandc.com. These documents are each available in English. The Fund is a single fund authorised Unit Trust. Details of the up to date renumeration policy including but not limited to a description of how remuneration and benefits are calculated will be available on www.bmogam.com when and in so far as available. Other practical information, including the latest published price, is available on our website www.bmogam.com. The tax legislation of the United Kingdom may have an impact upon your own personal tax position depending on your country of residence. F&C Fund Management Limited may be held liable solely on the basis of any statement contained in this document that is misleading, inaccurate or inconsistent with the relevant parts of the prospectus for the Fund. This Fund is authorised in the United Kingdom and regulated by the Financial Conduct Authority. F&C Fund Management Ltd is authorised in the United Kingdom and regulated by the Financial Conduct Authority. This Key Investor Information is accurate as at 26/01/2017. MQEY Page 2 of 2.
Key Investor Information This document provides you with key investor information about this fund. It is not marketing material. The information is required by law to help you understand the nature and the risks of investing in this fund. You are advised to read it so you can make an informed decision about whether to invest. Fidelity Index World Fund a sub-fund of Fidelity Investment Funds W Accumulation Shares (ISIN: GB00BLT1YP39) This fund is managed by FIL Investment Services (UK) Limited Objectives and Investment Policy Aims to achieve long term capital growth by closely matching the performance of the MSCI World Index. Aims to hold company shares that represent the benchmark index. May use stock index futures to achieve the investment objective. Can use derivatives with the aim of risk or cost reduction or to generate additional capital or income in line with the fund's risk profile. Income is accumulated in the share price. Shares can usually be bought and sold each business day of the fund. This fund may not be appropriate for investors who plan to withdraw their money within 5 years. Investment in the fund should be regarded as a long-term investment. Note: The funds described herein are indexed to an MSCI index. The MSCI World Index captures large and mid cap representation across Developed Markets countries. The funds or securities referred to herein are not sponsored, endorsed, or promoted by MSCI, and MSCI bears no liability with respect to any such funds or securities or any index on which the funds or securities are based. The Prospectus contains a more detailed description of the limited relationship MSCI has with Fidelity and any related funds. Risk and Reward Profile Lower risk Typically lower rewards Higher risk Typically higher rewards 1 2 3 4 5 6 7 The risk category was calculated using historical performance data. The risk category may not be a reliable indication of the future risk profile of the fund, is not guaranteed and may change over time. The lowest category does not mean a "risk free" investment. The risk and reward profile is classified by the level of historical fluctuation of the Net Asset Values of the share class, and within this classification, categories 1-2 indicate a low level of historical fluctuations, 3-5 a medium level and 6-7 a high level. The value of your investment may fall as well as rise and you may get back less than you originally invested. Movements in currency exchange rates can adversely affect the return of your investment. The currency hedging may be used to minimise the effect of this but may not always be successful. The use of financial derivative instruments may result in increased gains or losses within the fund.
Key Investor Information Fidelity Index World Fund Charges for this fund (ISIN: GB00BLT1YP39) The charges you pay are used to pay the costs of running the fund, including the costs of marketing and distributing it. These charges reduce the potential growth of your investment. One-off charges taken before or after you invest Entry charge N/A Exit charge N/A This is the maximum that might be taken out of your money before it is invested or before the proceeds of your investment are paid out. Charges taken from the fund over a year Ongoing charges 0.15% Charges taken from the fund under certain specific conditions Performance fee N/A The entry and exit charges shown are maximum figures. In some cases you might pay less - you can find this out from your financial adviser / distributor. The ongoing charges figure is based on expenses for the year ending 29/02/2016. This figure may vary from year to year. It excludes: performance fees (where applicable); portfolio transaction costs, except in the case of an entry/exit charge paid by the fund when buying or selling units in another collective investment undertaking. For more information about charges, please consult the charges section in the most recent Prospectus. Past Performance 35% 30% 25% 20% 15% 10% 5% 0% 2012 2013 2014 2015 2016 4.4 4.9 29.1 28.2 Past performance is not a guide to future performance results. If any, the past performance shown takes into account the ongoing charges with exception of any applicable entry/exit charges. The fund was launched on 10/12/2012. This class was launched on 27/05/2014. Past performance has been calculated in GBP. Class Benchmark If applicable, events in the fund's life which may have affected the performance history are highlighted as an '*' in the chart, which may include changes to the fund's objective and details of such events can be found on our website or by requesting it from your appointed representative or your usual Fidelity contact. If applicable, the Investment Objective section shall refer to a benchmark and information on previous benchmarks may be found in the Annual Report and Accounts. Practical Information The depositary is J.P.Morgan Europe Limited. For more information, please consult the Prospectus and latest Reports and Accounts which can be obtained free of charge in English and other main languages from the Fund Manager, the distributors or online at any time. Details of the summary Remuneration Policy are available via https://www.fil.com. A paper copy can be obtained free of charge in English from the Fund Manager. The Net Asset Values per Share are available at the registered office of the Fund Manager. They are also published online at www.fidelityinternational.com where other information is available. The tax legislation in United Kingdom may have an impact on your personal tax position. For further details you should consult a tax advisor. This document describes a sub-fund and share class of Fidelity Investment Funds (the 'investment company'). The Prospectus and Reports and Accounts are prepared for the entire investment company. FIL Investment Services (UK) Limited may be held liable solely on the basis of any statement contained in this document that is misleading, inaccurate or inconsistent with the relevant parts of the Prospectus for the investment company. The assets and liabilities of each sub-fund of Fidelity Investment Funds aresegregated by law and with that assets of this sub-fund will not be used to pay liabilities of other sub-funds. More share classes are available for this investment company. Details can be found in the Prospectus. You have the right to switch from this share class into the same or possibly other share class types of this or another sub-fund. Details on switching rules can be found in the Prospectus. Country in which this fund is authorised: United Kingdom. The Supervisory Authority is: Financial Conduct Authority. Country in which FIL Investment Services (UK) Limited is authorised: United Kingdom. The Supervisory Authority is: Financial Conduct Authority. This key investor information is accurate as at 24/01/2017.
Key Investor Information This document provides you with key investor information about this fund. It is not marketing material. The information is required by law to help you understand the nature and the risks of investing in this fund. You are advised to read it so you can make an informed decision about whether to invest. FTSE 250 Index Fund Income C GB00B80QFZ35 A sub-fund of HSBC Index Tracker Investment Funds, an open ended investment company ( OEIC ), managed by HSBC Global Asset Management (UK) Limited. Objectives and investment policy To provide long term capital growth by matching the return of the FTSE 250 Index. To invest in companies that make up the FTSE 250 Index. The Index is made up of the 250 largest companies after the 100 largest stock market listed companies in the United Kingdom, as defined by the Index Provider. The Fund aims to track the Index using a near full replication strategy. This means that the Fund will normally invest in, or gain exposure to, most of the shares that make up the Index. It also means that the Fund will generally invest in shares in the same proportions as their weighting in the Index. The Fund can use borrowing and may also use a technique known as efficient portfolio management which aims to reduce risk or cost to the Fund in circumstances where this is likely to be of benefit. Income is distributed. You may sell your investment on any business day by contacting the administrator before the dealing deadline. Recommendation: this fund may not be appropriate for investors who plan to withdraw their money within a period of at least 5 years. Risk and reward profile Lower risk Typically lower rewards Higher risk Typically higher rewards 1 2 3 4 5 6 7 More about this rating The rating is based on price volatility over the last five years, and is an indicator of absolute risk. Historical data may not be a reliable indication for the future. The value of an investment, and any income from it, may fall as well as rise, and you may not get back the amount you originally invested.the rating is not guaranteed to remain unchanged and the categorisation may shift over time.the lowest rating does not mean a risk-free investment. Why is this fund in category 5? Equity prices tend to fluctuate more than other asset classes as investors directly participate in underlying companies and their earnings. Material risks not adequately captured by the risk rating above Exchange rate risk Investing in assets denominated in a currency other than that of the investor s own currency perspective exposes the value of the investment to exchange rate fluctuations. Derivative risk The value of derivative contracts is dependent upon the performance of an underlying asset. A small movement in the value of the underlying can cause a large movement in the value of the derivative. Unlike exchange traded derivatives, over-the-counter (OTC) derivatives have credit risk associated with the counterparty or institution facilitating the trade. IndexTracking risk The performance of the Fund may not match the performance of the index it tracks because of fees and expenses, market opening times and regulatory constraints. Operational risk The main risks are related to systems and process failures. Investment processes are overseen by independent risk functions which are subject to independent audit and supervised by regulators. Income C GB00B80QFZ35 1of2
Charges for this fund The charges you pay are used to pay the running costs of the fund, including the marketing and distribution costs.these charges reduce the potential growth of the investment. One-off charges taken before or after you invest Entry charge 0.00% Exit charge 0.00% Charges taken from the fund over a year Ongoing charge 0.18% Charges taken from the fund under certain specific conditions Performance fee None The Entry and Exit charges shown are the maximum that may be charged. In some cases you may pay less.you can obtain the actual charges from your financial adviser. A switching fee may be applied up to the amount of the entry charge shown if you switch your shares into this share class of this Fund. The ongoing charges figure is based on last year s expenses for the year ending 15/11/2016. Charges may vary from year to year. Further information on Charges can be found in the Fees and Expenses section of the full Prospectus. Past performance 75% 50% 25% 0% -25% -50% Fund -3.9-2.5-37.4-38.2 50.6 46.7 26.5 27.4-10.7-10.1 25.6 26.1 31.7 32.3 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 Benchmark 3.4 3.7 10.9 11.2 Warning: the performance returns before the change to charges on 01/09/2009 were achieved under circumstances that no longer apply. Past performance is not a guide to future performance; the value of your investment and any income from it can go down as well as up. The past performance of this share class is calculated in GBP. Performance returns are based on the net asset value with distributable income reinvested. Past performance takes account of all ongoing charges, but not entry and exit charges. The fund was launched on 07/10/1997. The investment benchmark for the fund is the FTSE 250 Gross. Performance returns prior to the first share class price date of 03/09/2012 have been simulated using the track record of an older share class. 6.1 6.7 Practical information Depositary State StreetTrustees Limited, 525 Ferry Road, Edinburgh, EH5 2AW. Further information Further information about the OEIC including the latest Prospectus, latest published prices of shares, annual report and half yearly report may be obtained free of charge, in English, from the administrator, HSBC Global Asset Management (UK) Limited, PO Box 3733, Royal Wootton Bassett, Swindon SN4 4BG or by visiting www.assetmanagement.hsbc.com.the Remuneration Policy of the Authorised Corporate Director, which describes how remuneration and benefits are determined and awarded, is available at http://www.global.assetmanagement.hsbc.com/about-us/governance -structure or on request from the Administrator. The most recent Prospectus is available in English.This document describes a single share class of the OEIC.The Prospectus, annual and half yearly reports are prepared for the entire OEIC. Share classes Other share classes are available, as detailed in the Prospectus. It is possible to convert your shares into a different share class or switch your shares into a different Fund within the OEIC. Details of how to do this are in the Prospectus (please note an initial charge may apply). Tax UK tax legislation may have an impact on your personal position. Authorised Corporate Director HSBC Global Asset Management (UK) Limited may be held liable solely on the basis of any statement contained in this document that is misleading, inaccurate or inconsistent with the relevant parts of the Prospectus for the OEIC. Allocation of Assets and Liabilities The OEIC is an umbrella investment company with segregated liability between Funds.This means that the holdings of one Fund are kept separate from the holdings of the other Funds and your investment in the Fund cannot be used to pay the liabilities of any other Fund. Authorisations The Fund is authorised in the United Kingdom and regulated by the Financial Conduct Authority. HSBC Global Asset Management (UK) Limited is authorised in the United Kingdom and regulated by the Financial Conduct Authority. Publication date This key investor information is accurate as at 10 March 2017. Income C GB00B80QFZ35 2of2
Key Investor Information This document provides you with key investor information about this fund. It is not marketing material. The information is required by law to help you understand the nature and the risks of investing in this fund. You are advised to read it so you can make an informed decision about whether to invest. FTSE All-Share Index Fund Income C GB00B80QFW04 A sub-fund of HSBC Index Tracker Investment Funds, an open ended investment company ( OEIC ), managed by HSBC Global Asset Management (UK) Limited. Objectives and investment policy To provide long term capital growth by matching the return of the FTSE All-Share Index. To invest in companies that make up the FTSE All-Share Index. The Index represents the performance of all shares on the Main Market of the London Stock Exchange. The Fund is currently tracking the FTSE All-Share Index by fully replicating the FTSE 350 ex InvestmentTrusts index and sampling the remaining benchmark index constituents. The Fund can use borrowing and may also use a technique known as efficient portfolio management which aims to reduce risk or cost to the Fund in circumstances where this is likely to be of benefit. Income is distributed. You may sell your investment on any business day by contacting the administrator before the dealing deadline. Recommendation: this fund may not be appropriate for investors who plan to withdraw their money within a period of at least 5 years. Risk and reward profile Lower risk Typically lower rewards Higher risk Typically higher rewards 1 2 3 4 5 6 7 More about this rating The rating is based on price volatility over the last five years, and is an indicator of absolute risk. Historical data may not be a reliable indication for the future. The value of an investment, and any income from it, may fall as well as rise, and you may not get back the amount you originally invested.the rating is not guaranteed to remain unchanged and the categorisation may shift over time.the lowest rating does not mean a risk-free investment. Why is this fund in category 5? Equity prices tend to fluctuate more than other asset classes as investors directly participate in underlying companies and their earnings. Material risks not adequately captured by the risk rating above Exchange rate risk Investing in assets denominated in a currency other than that of the investor s own currency perspective exposes the value of the investment to exchange rate fluctuations. Derivative risk The value of derivative contracts is dependent upon the performance of an underlying asset. A small movement in the value of the underlying can cause a large movement in the value of the derivative. Unlike exchange traded derivatives, over-the-counter (OTC) derivatives have credit risk associated with the counterparty or institution facilitating the trade. IndexTracking risk The performance of the Fund may not match the performance of the index it tracks because of fees and expenses, market opening times and regulatory constraints. Operational risk The main risks are related to systems and process failures. Investment processes are overseen by independent risk functions which are subject to independent audit and supervised by regulators. Income C GB00B80QFW04 1of2
Charges for this fund The charges you pay are used to pay the running costs of the fund, including the marketing and distribution costs.these charges reduce the potential growth of the investment. One-off charges taken before or after you invest Entry charge 0.00% Exit charge 0.00% Charges taken from the fund over a year Ongoing charge 0.07% Charges taken from the fund under certain specific conditions Performance fee None The Entry and Exit charges shown are the maximum that may be charged. In some cases you may pay less.you can obtain the actual charges from your financial adviser. A switching fee may be applied up to the amount of the entry charge shown if you switch your shares into this share class of this Fund. The ongoing charges figure is based on last year s expenses for the year ending 15/11/2016. Charges may vary from year to year. Further information on Charges can be found in the Fees and Expenses section of the full Prospectus. Past performance 40% 30% 20% 10% 0% -10% -20% -30% Fund 4.3 5.3-29.8-29.9 28.7 30.1 14.7 14.5-4.8-3.5 12.6 12.3 20.3 20.8 0.8 1.2 1.1 1.0 16.0 16.8 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 Benchmark Warning: the performance returns before the change to charges on 16/11/2015 were achieved under circumstances that no longer apply. Past performance is not a guide to future performance; the value of your investment and any income from it can go down as well as up. The past performance of this share class is calculated in GBP. Performance returns are based on the net asset value with distributable income reinvested. Past performance takes account of all ongoing charges, but not entry and exit charges. The fund was launched on 26/03/1990. The investment benchmark for the fund is the FTSE All Share Gross. Performance returns prior to the first share class price date of 03/09/2012 have been simulated using the track record of an older share class. Practical information Depositary State StreetTrustees Limited, 525 Ferry Road, Edinburgh, EH5 2AW. Further information Further information about the OEIC including the latest Prospectus, latest published prices of shares, annual report and half yearly report may be obtained free of charge, in English, from the administrator, HSBC Global Asset Management (UK) Limited, PO Box 3733, Royal Wootton Bassett, Swindon SN4 4BG or by visiting www.assetmanagement.hsbc.com.the Remuneration Policy of the Authorised Corporate Director, which describes how remuneration and benefits are determined and awarded, is available at http://www.global.assetmanagement.hsbc.com/about-us/governance -structure or on request from the Administrator. The most recent Prospectus is available in English.This document describes a single share class of the OEIC.The Prospectus, annual and half yearly reports are prepared for the entire OEIC. Share classes Other share classes are available, as detailed in the Prospectus. It is possible to convert your shares into a different share class or switch your shares into a different Fund within the OEIC. Details of how to do this are in the Prospectus (please note an initial charge may apply). Tax UK tax legislation may have an impact on your personal position. Authorised Corporate Director HSBC Global Asset Management (UK) Limited may be held liable solely on the basis of any statement contained in this document that is misleading, inaccurate or inconsistent with the relevant parts of the Prospectus for the OEIC. Allocation of Assets and Liabilities The OEIC is an umbrella investment company with segregated liability between Funds.This means that the holdings of one Fund are kept separate from the holdings of the other Funds and your investment in the Fund cannot be used to pay the liabilities of any other Fund. Authorisations The Fund is authorised in the United Kingdom and regulated by the Financial Conduct Authority. HSBC Global Asset Management (UK) Limited is authorised in the United Kingdom and regulated by the Financial Conduct Authority. Publication date This key investor information is accurate as at 17 February 2017. Income C GB00B80QFW04 2of2
Key Investor Information This document provides you with key investor information about this fund. It is not marketing material. The information is required by law to help you understand the nature and the risks of investing in this fund. You are advised to read it so you can make an informed decision about whether to invest. Defensive Capital Fund Class A Accumulation A sub-fund of IFSL Brooks Macdonald Fund (ISIN : GB00B61MR835) This fund is managed by Investment Fund Services Limited (IFSL) Objectives and Investment Policy The fund aims to increase the value of your shares over the longer term. The fund will also aim to achieve a positive absolute return on a 3 year rolling basis irrespective of the performance of financial markets, however shareholders should be aware that there is no guarantee that this will be achieved over this (or any) time period and that a shareholder's capital is in fact at risk. The fund is actively managed and selects investments which, if held for a pre-defined period, pay an in-built return (called a defined return ) to the fund irrespective of general market performance. The fund invests in tradable debt (bonds and notes), convertible securities (tradable debt which can be converted into shares), shares and other investment funds which carry a defined return. The fund may use financial contracts (derivatives) to achieve its aim and to manage risk, reduce costs and improve results. Income is not distributed but is rolled up (accumulated) into the value of your investment. You can sell all or part of your investment on a daily basis subject to the minimum holding requirements. Risk and Reward Profile Lower risk Typically lower rewards The rating is based on price volatility overthe last five years, and is an indicator of risk. Historical data may not be a reliable indication for the future. The rating is not guaranteed to remain unchanged and may shift over time. The lowest rating does not mean a risk-free investment. The risk indicator for the fund is as above because there is significant exposure to stock markets and bonds. This fund has been measured as 3 because it has experienced low to moderate volatility historically. The funds volatility is affected by various factors including: Stock market prices can move irrationally and can be affected unpredictably by diverse factors including political and economic events. Fluctuations in interest rates may affect the value of your investment. When interest rates increase this is likely to result in a fall in the capital value of fixed interest securities, such as bonds and convertibles. The fund invests in securities which are subject to the risk that the Higher risk Typically higher rewards 1 2 3 4 5 6 7 issuer may default on its interest or capital payments. The fund could lose money if a counterparty with which it does business becomes unable to honour its obligations to the fund. In certain market conditions some assets in the fund may be less liquid and therefore more difficult to sell at their true value or in a timely manner. The fund may use financial contracts (known as derivatives) in an attempt to reduce risk (hedging) or for investment purposes. It may be that the use of derivatives causes share prices to fluctuate which may in turn result in loss to the fund. The assets in which the fund invests may be denominated in a currency other than the currency of the shares in the fund and/or the currency of your investment. Currency fluctuations may strongly affect the value of your investment. Future legal or regulatory change could have a substantial effect on the fund and your investment. A more detailed description of the risks that apply to this fund can be found in the prospectus.
Charges The charges you pay are used to pay the costs of running the fund, including the costs of marketing and distributing it. These charges reduce the potential growth of your investment. The entry and exit charges shown are maximum figures. In some cases you may pay less - you can find this out from your financial adviser. The ongoing charges figure is based on expenses for the year ending 30/11/2016.This figure may vary from year to year. It excludes: Portfolio transaction costs, except in the case of an entry/exit charge paid by the UCITS when buying or selling units in another collective investment undertaking. For more information about charges, please see Sections 23-25 of the fund s prospectus, which is available at www.ifslfunds.com. One-off charges taken before or after you invest Entry Charge 0.00% Exit Charge None This is the maximum that might be taken out of your money before it is invested. Charges taken from the fund over each year Ongoing Charges 0.82% Charges taken from the fund under certain conditions Performance Fee None Past Performance Historic performance to 31 December 2016 (%) 30 20 10 0-10 -20 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 Fund 1.8-18.6 20.3 11.0 5.2 8.4 8.2 3.8 2.5 9.3 Past performance is not a reliable indicator of future performance; the value of your investment and any income from it can go down as well as up. Performance returns are based on the net asset value with distributable income reinvested and takes account of all ongoing charges, but not entry and exit charges. The past performance of this share class is calculated in GBP. This share class was launched in December 2006. Practical Information If you wish to sell all or part of your investment please write to us at Investment Fund Services Limited, Marlborough House, 59 Chorley New Road, Bolton, BL1 4QP or telephone 0808 178 9321. Your deal will be placed at the next valuation point after we receive your instruction. The Prospectus, Annual and Half-Yearly Report and Accounts for the fund are available free of charge at www.ifslfunds.com or by calling 0808 178 9321. The documents are available in English only. For further details including how to invest please see the Supplementary Information Document which is available at www.ifslfunds.com or call 0808 178 9321 Other share classes of the fund are available. For further details please see the fund s Prospectus which is available at www.ifslfunds.com. The Prospectus, Annual and Half-Yearly Reports cover all the funds within OEIC. You may switch to any fund in the range on request, subject to a switching charge. The Depositary for the fund is National Westminster Bank plc. UK taxation may have an impact on your personal tax position. Fund prices are available on our website www.ifslfunds.com. Some price information is also published in the Financial Times. The sub-funds of the OEIC are segregated by law. In the unlikely event of one sub-fund having debts, the assets of the other funds may not be used to settle these. Investment Fund Services Limited may be held liable solely on the basis of any statement contained in this document that is misleading, inaccurate or inconsistent with the relevant parts of the prospectus for the UCITS. The Remuneration Policy of Investment Fund Services Limited is available from www.ifslfunds.com. This policy describes how remuneration and benefits are calculated and the governance arrangements in place around these payments. A paper copy of this policy is also available free of charge upon request. This fund is authorised in the United Kingdom and regulated by the Financial Conduct Authority. Investment Fund Services Limited (IFSL) is authorised in the United Kingdom and regulated by the Financial Conduct Authority. This key investor information is accurate as at 04.04.2017
Key Investor Information This document provides you with key investor information about this fund. It is not marketing material. The information is required by law to help you understand the nature and the risks of investing in this fund. You are advised to read it so you can make an informed decision about whether to invest. Jupiter Absolute Return Fund I-Class I-Class Accumulation Units, ISIN: GB00B6Q84T67. The Manager is Jupiter Unit Trust Managers Limited. Objectives and investment policy The Fund objective is to make positive returns over a 3 year rolling period, regardless of whether stock markets have gone up or down. Capital invested in the Fund is at risk and there is no guarantee that the investment objective will be achieved over the 3 year rolling periods or in respect of any other time period. It can invest globally in: company shares; corporate or government bonds; cash deposits; and derivatives - these allow the Fund Manager to track changes in the price of an item, for example a company share, without actually owning it. Derivatives can be used with the aim of benefiting from the price of an investment falling. The Fund Manager can use derivatives to gain exposure to a number of different asset classes, including company shares, financial indices, commodities and currency exchange rates. Any income payable by the Fund will be automatically reinvested and reflected in the price of units. Investors are able to buy and sell units during any business day between 9am and 5.30pm. If you tell us to buy or sell units before 12pm on any business day we will make the transaction on the same day. If you tell us to buy or sell units after 12pm we will make the transaction on the following business day. Risk and reward profile The Risk and Reward Indicator table demonstrates where the Fund ranks in terms of its potential risk and reward. The higher the rank the greater the potential reward but the greater the risk of losing money. It is based on past data, may change over time and may not be a reliable indication of the future risk profile of the Fund. The shaded area in the table below shows the Fund s ranking on the Risk and Reward Indicator. Typically lower rewards, lower risk The lowest category does not mean no risk. Typically higher rewards, higher risk 1 2 3 4 5 6 7 The Fund is in this category due to the nature of its investments and previous levels of volatility (how much the value of the Fund rises and falls). Market and exchange rate movements can cause the value of an investment to fall as well as rise, and you may get back less than originally invested. There is a risk that companies providing services such as safe keeping of assets or acting as counterparty to derivatives may become insolvent, which may cause losses to the Fund. Bonds are very sensitive to interest rate changes and it is possible that bond issuers will not pay interest or return the capital promised. Bonds can also be 'downgraded' by ratings agencies. All of these events can reduce the value of bonds held by the Fund and therefore impact performance. The Fund uses derivatives for investment purposes which under certain market conditions may cause the Fund to significantly fall in value. Investments in financial derivative instruments can introduce leverage risks which can amplify gains or losses in the Fund. Page 1 of 2.
Charges The charges you pay are used to pay the costs of running the Fund, including the costs of marketing and distributing it. These charges reduce the potential growth of your investment. One-off charges taken before or after you invest Entry charge 5.25% Exit charge 0.00% These are the maximum charges that we might take out of your money before it is invested and before we pay out the sale proceeds of your investment. In some cases, you might pay less and you should speak to your financial adviser about this. The ongoing charges figure is based on the last year s expenses and may vary from year to year. It excludes the costs of buying or selling assets for the Fund (unless these assets are shares of another fund). The ongoing charges figure quoted in this document is based on fees and expenses for the year to 31/10/2016. Further information about charges is available in sections 18 and 19 of the Scheme Particulars which are available from Jupiter on request. Jupiter reserves the right to levy an entry charge of 5.25%, although we do not currently include this in the price of the units. Charges taken from the Fund over a year Ongoing charges 0.86% Charges taken from the Fund under specific conditions Performance fee NONE Past performance % 12 10 8 6 4 2 0 You should be aware that past performance is not a guide to future performance. Fund launch date: 14/12/2009 Share/unit class launch date: 19/09/2011 Performance is calculated in GBP. Performance is shown after the effect of ongoing charges but does not include any entry fees. Performance is calculated on a bid to bid basis, with income reinvested net of basic rate tax. -2 2012 2013 2014 2015 2016 Fund 0.9 2.2-0.2 5.9 10.2 Source: FE2016 Practical information Further information can be found by requesting the Scheme Particulars or annual and half-yearly report and accounts which are available from Jupiter on request by contacting our Customer Services Team on 0800 561 4000. These documents are available in English and are free of charge. Jupiter operates a Group-wide remuneration policy, overseen by an independent Remuneration Committee. Details of this policy, including an overview of remuneration elements and associated governance processes, are set out on our website http://www.jupiteram.com/en/jupiter- Fund-Management-plc/Governance/Risk-management from 18 March 2016. A paper copy of these Remuneration Disclosures is available free of charge, upon request. Unit prices can be found by visiting the Jupiter website, www.jupiteram.com. The name of the trustee is National Westminster Bank plc. The trustee has delegated the function of custodian to Northern Trust Company. Tax law may have an impact on your own tax position. We advise you to take tax advice where necessary. Jupiter Unit Trust Managers Limited may be held liable solely on the basis of any statement contained in this document that is misleading, inaccurate or inconsistent with the relevant parts of the Scheme Particulars of the Fund. Other unit classes are available. Further information is available from Jupiter on request. The Fund is authorised and regulated by the Financial Conduct Authority in the UK. Jupiter Unit Trust Managers Limited is authorised and regulated by the Financial Conduct Authority in the UK. 4783 This Key Investor Information is accurate as at 10/02/2017. Page 2 of 2.
KEY INVESTOR INFORMATION This document provides you with key investor information about this fund. It is not marketing material. The information is required by law to help you understand the nature and the risks of investing in this fund. You are advised to read it so you can make an informed decision about whether to invest. Legal & General Dynamic Bond Trust I Class Distribution ISIN: GB00B1TWMY10 This fund is managed by Legal & General (Unit Trust Managers) Limited. OBJECTIVE AND INVESTMENT POLICY Objective The objective of this fund is to provide a combination of income and growth. Investment policy: The fund will invest between 80% and 100% in bonds (a type of loan which pays interest) and/or derivatives (contracts which have a value linked to the price of another asset) and/or cash. The bonds may have a fixed or variable rate of income. The bonds that the fund invests in may be investment grade (rated as lower risk) or sub-investment grade (rated as higher risk). Investment and sub-investment grade bonds are bonds that have been given a credit rating by a rating agency. Credit ratings give an indication of how likely it is that the issuer of a bond will be able to pay back interest and the loan on time. The bonds held may be issued by companies or governments and may be issued in the UK or overseas. 35% or more of the fund can be invested in bonds issued by the government of any one of various countries or by any one of various international organisations. For more information, please see the fund's Prospectus. The fund may use derivatives (contracts which have a value linked to the price of another asset) to: reduce risk or cost; or RISK AND REWARD PROFILE Lower risk Potentially lower rewards Higher risk Potentially higher rewards 1 2 3 4 5 6 7 This risk and reward indicator is based on historical data which may not be a reliable indication of the fund's risk and reward category in the future. The category is based on the rate at which the value of the fund has moved up and down in the past. This fund is in category 3 because it invests in a flexible mixture of bonds. These generally provide higher rewards and higher risks than investments in cash and lower rewards and lower risks than investments in company shares. The fund's category is not guaranteed to remain the same and may change over time. Even a fund in the lowest category is not a risk free investment. The value of your investment and any income you take from it may fall as well as rise and is not guaranteed. You might get back less than you invest. The risk and reward indicator may not take account of the following risks of investing in the fund: This fund holds bonds that, rather than being traded on an exchange, are traded through agents, brokers or investment banks matching buyers and sellers. This makes the bonds less easy to buy and sell than investments that are traded on an exchange and on any particular day there may not be a buyer or a seller for the bonds. In times of market uncertainty or if an exceptional amount of withdrawals are requested it may become less easy for your fund to sell investments. If this happens, the value of your fund may fall and in extreme circumstances this may also force a delay in buying and selling your investment in the fund, which may mean you have to wait for your money to be invested or returned. The fund can only delay paying out generate additional capital or income with no, or an acceptably low, level of risk. The fund may also use derivatives for investment purposes to: enhance the performance of the fund; manage the effect of changes in interest rates; manage the effect of changes in exchange rates with Sterling, removing 90% or more of this exchange rate risk. The fund may also invest in other funds and/or company shares. Other information: If you hold distribution units, income from investments held by the fund will be paid out to you every three months (as interest). This will reduce your capital growth accordingly. You can buy or sell units in this fund on any working day. You need to contact us with your instruction before 12 noon. This is the time we calculate unit prices for this fund. If you contact us after 12 noon, the units will be bought or sold at the next working day's price. This fund is designed for investors seeking income from a specialised investment which can form part of their existing savings portfolio. Although investors can take their money out at any time, this fund may not be appropriate for those who plan to withdraw their money within five years. If you do not understand this document we recommend you seek additional information to help you decide if this fund is right for you. if it is in the interests of all investors and with the permission of the fund trustee or depositary. Investment returns on bonds are particularly sensitive to trends in interest rate movements. Their values are likely to fall when interest rates rise. Such falls may be more pronounced in a low interest rate environment. Bonds with a longer time to go before their maturity date will fall by more than bonds with a short time to their maturity date. Credit ratings assigned to the individual assets in the fund can weaken and cause the value of those assets to fall. The fund invests in bonds which are issued by companies, governments or international organisations. If these companies, governments or international organisations experience financial difficulty, they may be unable to pay back some or all of the interest, original investment or other payments that they owe. If this happens, the value of your fund may fall. The fund could lose money if any institutions providing services such as safekeeping of assets or acting as counterparty to derivatives or other instruments, becomes unwilling or unable to meet its obligations to the fund. Derivatives are highly sensitive to changes in the value of the asset on which they are based and can increase the size of losses and gains. The impact to the fund can be greater where derivatives are used in an extensive or complex way. The fund may have underlying investments that are valued in currencies that are different from Sterling (British Pounds). Any such investments will be impacted by exchange rate fluctuations and this may affect the value of your investment and any income from it. Currency hedging techniques may have been applied to reduce the impact of exchange rate fluctuations but may not entirely eliminate it. We take some of the ongoing charges from the fund s capital rather than the fund's income. This increases the amount of income you may be paid, but it reduces the growth potential and may lead to a fall in the value of the fund. If you use your right to cancel your investment, you may not get a full refund if the value of your investment falls before we carry out your instruction.
(return %) CHARGES FOR THIS FUND The charges you pay are used to pay the costs of running the fund, including the costs of marketing and distributing it. These charges reduce the potential return from your investment. One-off charges taken before or after you invest Entry charge 0.00%* Exit charge 0.00%* This is the maximum that might be taken out of your money before it is invested. *The fund also incurs a unit price spread. See opposite. Charges taken from the fund over a year Ongoing charges 0.63% Charges taken from the fund under certain specific conditions Performance fee PAST PERFORMANCE None The entry and exit charges shown are maximum figures. In some cases (including when switching to other funds managed by us) you might pay less - you can find out the actual figures from us or your financial adviser. The ongoing charges figure is based on the latest available expenses at December 2016. This figure may change in the future. This fund's ongoing charges include any charges made by any other funds it may invest in. Other costs: Unit price spread: each day there are two prices for this fund: a higher price you pay to buy units and a lower price you receive when you sell units. The fund manager sets these prices. The difference between these prices is called the 'spread'. The spread is separate to the entry, exit and ongoing charges shown in this section. This fund's spread reflects the difference between the buying and selling prices of the assets it holds and costs associated with buying and selling the assets. The spread can change at any time and by any amount. As an example, the buying price for units in this fund was 0.72% higher than the selling price at 31 December 2016. For more information about charges and costs, please see the charges and expenses section in the fund's Prospectus, or visit our website at legalandgeneral.com/chargesandfees. 50 40 30 20 Past performance is not a guide to future performance. The figures take into account all charges except any entry charge, and assume income (after any tax) is reinvested. The performance has been calculated in Sterling (British Pounds). The annual return is for a 12 month period ending 31 December. The fund launched in 2007. This unit class launched in 2007. 10 0-10 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 Fund -1.0 42.9 9.2-2.6 15.2 5.5 3.0 0.4-1.1 PRACTICAL INFORMATION The trustee is Northern Trust Global Services Limited. You can find further information about the fund in its Prospectus and latest annual and half-yearly reports at www.legalandgeneral.com/reports. A Guide to Investing with Us at www.legalandgeneral.com/guide gives further information about investing generally. These documents are also available from: Legal & General Investments, PO Box 6080, Wolverhampton WV1 9RB. We will provide documents free of charge and in English. You can get other practical information, including the latest buying and selling prices, spreads and details of any other unit classes that are available, by calling us on 0370 050 0955 Monday to Friday between 8.30am and 6.00pm. Call charges will vary. You can also find details of how we price units in A Guide to Investing with Us. UK tax legislation may have an impact on your personal tax position. Legal & General (Unit Trust Managers) Limited may be held liable solely on the basis of any statement contained in this document that is misleading, inaccurate or inconsistent with the relevant parts of the Prospectus for the fund. You can find details of our Remuneration Policy at www.lgim.com/remuneration. You can also request a paper copy free of charge. The Policy includes details of our Remuneration Committee and how remuneration and benefits are calculated. This fund is authorised in the UK and regulated by the Financial Conduct Authority. This key investor information is accurate as at 15 February 2017.
KEY INVESTOR INFORMATION This document provides you with key investor information about this fund. It is not marketing material. The information is required by law to help you understand the nature and the risks of investing in this fund. You are advised to read it so you can make an informed decision about whether to invest. Legal & General Global Inflation Linked Bond Index Fund I Class Distribution ISIN: GB00BBHXNM10 This fund is managed by Legal & General (Unit Trust Managers) Limited. OBJECTIVE AND INVESTMENT POLICY Objective The objective of this fund is to provide a mixture of income and growth (if the income is reinvested) by tracking the performance of the Bloomberg Barclays World Government Ex UK Inflation Linked Bonds TR Hedged GBP Index. Investment policy: The fund will invest between 80% and 100% in bonds (a type of loan which pays interest) included in the Index. These bonds will have a pre-set rate of income (either set at a fixed level or varying in a predetermined way). The fund s investments will closely match those that make up the Index and this will be achieved through investing in a sample selection of the bonds in the Index. The bonds are issued in the relevant national currency by governments around the world (excluding the UK). The interest and capital returns on these bonds will be linked to local inflation rates. The bonds that the fund invests in will be a mixture of investment grade bonds (rated as lower risk) and sub-investment grade bonds (rated as higher risk). The mix will closely match that of the Index. Investment and sub-investment grade bonds are bonds that have been given a credit rating by a rating agency. Credit ratings give an indication of how likely it is that the issuer of a bond will be able to pay back interest and the loan on time. 35% or more of the fund can be invested in United States government or public bonds. The fund may use derivatives (contracts which have a value linked to the price of another asset) to: RISK AND REWARD PROFILE Lower risk Potentially lower rewards Higher risk Potentially higher rewards 1 2 3 4 5 6 7 This risk and reward indicator is based on historical data which may not be a reliable indication of the fund's risk and reward category in the future. The category is based on the rate at which the value of the fund and the index it is tracking have moved up and down in the past. This fund is in category 4 because it invests in bonds issued by governments. These generally provide higher rewards and higher risks than investments in cash and lower rewards and lower risks than investments in company shares. The fund's category is not guaranteed to remain the same and may change over time. Even a fund in the lowest category is not a risk free investment. The value of your investment and any income you take from it may fall as well as rise and is not guaranteed. You might get back less than you invest. The risk and reward indicator may not take account of the following risks of investing in the fund: This fund holds bonds that, rather than being traded on an exchange, are traded through agents, brokers or investment banks matching buyers and sellers. This makes the bonds less easy to buy and sell than investments that are traded on an exchange and on any particular day there may not be a buyer or a seller for the bonds. In times of market uncertainty or if an exceptional amount of withdrawals are requested it may become less easy for your fund to sell investments. If this happens, the value of your fund may fall and in extreme circumstances this may also force a delay in buying and selling your investment in the fund, which may mean you have to wait for your money to be invested or returned. The fund can only delay paying out if it is in the interests of all investors and with the permission of the fund trustee or depositary. reduce risk or cost; or generate additional capital or income with no, or an acceptably low, level of risk. It will also use currency derivatives for investment purposes to manage the effect of fluctuations in exchange rates with Sterling, in order to maintain accurate tracking. The fund may also invest in other bonds, deposits, money market instruments and cash. Money market instruments are a type of security where cash can be deposited for short periods of time. Other information: If you hold distribution units, income from investments held by the fund will be paid out to you every six months (as interest). This will reduce your capital growth accordingly. You can buy or sell units in this fund on any working day. You need to contact us with your instruction before 3.00pm. This is the time we calculate unit prices for this fund. If you contact us after 3.00pm, the units will be bought or sold at the next working day's price. This fund is designed for investors seeking income from an investment which can form part of their existing savings portfolio. Although investors can take their money out at any time, this fund may not be appropriate for those who plan to withdraw their money within five years. If you do not understand this document we recommend you seek additional information to help you decide if this fund is right for you. Investment returns on bonds are particularly sensitive to trends in interest rate movements. Their values are likely to fall when interest rates rise. Such falls may be more pronounced in a low interest rate environment. Bonds with a longer time to go before their maturity date will fall by more than bonds with a short time to their maturity date. This fund invests in inflation-linked bonds, which are particularly sensitive to changes in inflation rates. Their values are likely to fall when inflation rates fall. Credit ratings assigned to the individual assets in the fund can weaken and cause the value of those assets to fall. The fund invests in bonds which are issued by governments. If these governments experience financial difficulty, they may be unable to pay back some or all of the interest, original investment or other payments that they owe. If this happens, the value of your fund may fall. The fund could lose money if any institutions providing services such as safekeeping of assets or acting as counterparty to derivatives or other instruments, becomes unwilling or unable to meet its obligations to the fund. Derivatives are highly sensitive to changes in the value of the asset on which they are based and can increase the size of losses and gains. The impact to the fund can be greater where derivatives are used in an extensive or complex way. There may be differences in performance between the fund s assets and the derivatives used to manage the fluctuation of exchange rates with Sterling. This could result at times in the fund being over protected or under protected against these fluctuations. The fund may have underlying investments that are valued in currencies that are different from Sterling (British Pounds). Any such investments will be impacted by exchange rate fluctuations and this may affect the value of your investment and any income from it. Currency hedging techniques may have been applied to reduce the impact of exchange rate fluctuations but may not entirely eliminate it. If you use your right to cancel your investment, you may not get a full refund if the value of your investment falls before we carry out your instruction.
(return %) CHARGES FOR THIS FUND The charges you pay are used to pay the costs of running the fund, including the costs of marketing and distributing it. These charges reduce the potential return from your investment. One-off charges taken before or after you invest Entry charge 0.00%* Exit charge 0.00%* This is the maximum that might be taken out of your money before it is invested. *The fund also incurs a unit price spread. See opposite. Charges taken from the fund over a year Ongoing charges 0.27% Charges taken from the fund under certain specific conditions Performance fee PAST PERFORMANCE None The entry and exit charges shown are maximum figures. In some cases (including when switching to other funds managed by us) you might pay less - you can find out the actual figures from us or your financial adviser. The ongoing charges figure is based on the latest available expenses at December 2016. This figure may change in the future. This fund's ongoing charges include any charges made by any other funds it may invest in. Other costs: Unit price spread: each day there are two prices for this fund: a higher price you pay to buy units and a lower price you receive when you sell units. The fund manager sets these prices. The difference between these prices is called the 'spread'. The spread is separate to the entry, exit and ongoing charges shown in this section. This fund's spread reflects the difference between the buying and selling prices of the assets it holds and costs associated with buying and selling the assets. The spread can change at any time and by any amount. As an example, the buying price for units in this fund was 0.17% higher than the selling price at 31 December 2016. For more information about charges and costs, please see the charges and expenses section in the fund's Prospectus, or visit our website at legalandgeneral.com/chargesandfees. 6 5 4 3 2 1 0-1 -2 2012 2013 2014 2015 2016 Fund 4.5-1.0 4.3 Index 5.3-0.6 4.5 Past performance is not a guide to future performance. The figures for the fund take into account all charges except any entry charge, and assume income (after any tax) is reinvested. The performance has been calculated in Sterling (British pounds). The fund will not replicate the performance of its benchmark index perfectly. This is because the fund will incur drags on performance such as expenses, tax and transactions costs, which the benchmark index is not subject to. The annual return is for a 12 month period ending 31 December. The fund launched in 2013. This unit class launched in 2013. PRACTICAL INFORMATION The trustee is Northern Trust Global Services Limited. You can find further information about the fund in its Prospectus and latest annual and half-yearly reports at www.legalandgeneral.com/reports. A Guide to Investing with Us at www.legalandgeneral.com/guide gives further information about investing generally. These documents are also available from: Legal & General Investments, PO Box 6080, Wolverhampton WV1 9RB. We will provide documents free of charge and in English. You can get other practical information, including the latest buying and selling prices, spreads and details of any other unit classes that are available, by calling us on 0370 050 0955 Monday to Friday between 8.30am and 6.00pm. Call charges will vary. You can also find details of how we price units in A Guide to Investing with Us. UK tax legislation may have an impact on your personal tax position. Legal & General (Unit Trust Managers) Limited may be held liable solely on the basis of any statement contained in this document that is misleading, inaccurate or inconsistent with the relevant parts of the Prospectus for the fund. You can find details of our Remuneration Policy at www.lgim.com/remuneration. You can also request a paper copy free of charge. The Policy includes details of our Remuneration Committee and how remuneration and benefits are calculated. This fund is authorised in the UK and regulated by the Financial Conduct Authority. This key investor information is accurate as at 6 March 2017.
KEY INVESTOR INFORMATION This document provides you with key investor information about this fund. It is not marketing material. The information is required by law to help you understand the nature and the risks of investing in this fund. You are advised to read it so you can make an informed decision about whether to invest. Legal & General International Index Trust I Class Distribution ISIN: GB00B2Q6HX78 This fund is managed by Legal & General (Unit Trust Managers) Limited. OBJECTIVE AND INVESTMENT POLICY Objective The objective of this fund is to provide growth by tracking the performance of the FTSE World (ex UK) Index. Investment policy: The fund will invest almost entirely in company shares. The fund's investments will closely match those that make up the Index. The Index consists of a broad spread of company shares from around the world (excluding UK companies). The fund may use derivatives (contracts which have a value linked to the price of another asset) to: reduce risk or cost; or generate additional capital or income with no, or an acceptably low, level of risk. The fund may also invest in cash or cash-like investments and other funds. Other information: RISK AND REWARD PROFILE Lower risk Potentially lower rewards Higher risk Potentially higher rewards 1 2 3 4 5 6 7 This risk and reward indicator is based on historical data which may not be a reliable indication of the fund's risk and reward category in the future. The category is based on the rate at which the value of the fund has moved up and down in the past. This fund is in category 5 because it invests in company shares which generally provide higher rewards and higher risks than other investments such as bonds, cash or commercial property. The fund's category is not guaranteed to remain the same and may change over time. Even a fund in the lowest category is not a risk free investment. The value of your investment and any income you take from it may fall as well as rise and is not guaranteed. You might get back less than you invest. If you hold distribution units, income from investments held by the fund will be paid out to you (as a dividend). This will reduce your capital growth accordingly. You can buy or sell units in this fund on any working day. You need to contact us with your instruction before 3.00pm. This is the time we calculate unit prices for this fund. If you contact us after 3.00pm, the units will be bought or sold at the next working day's price. This fund is designed for investors looking to grow their money in an investment which can form part of their existing savings portfolio. Although investors can take their money out at any time, this fund may not be appropriate for those who plan to withdraw their money within five years. If you do not understand this document we recommend you seek additional information to help you decide if this fund is right for you. The risk and reward indicator may not take account of the following risks of investing in the fund: The fund could lose money if any institutions providing services such as safekeeping of assets or acting as counterparty to derivatives or other instruments, becomes unwilling or unable to meet its obligations to the fund. Derivatives are highly sensitive to changes in the value of the asset on which they are based and can increase the size of losses and gains. The fund may have underlying investments that are valued in currencies that are different from Sterling (British Pounds). Any such investments will be impacted by exchange rate fluctuations and this may affect the value of your investment and any income from it. Currency hedging techniques may have been applied to reduce the impact of exchange rate fluctuations but may not entirely eliminate it. If you use your right to cancel your investment, you may not get a full refund if the value of your investment falls before we carry out your instruction.
(return %) CHARGES FOR THIS FUND The charges you pay are used to pay the costs of running the fund, including the costs of marketing and distributing it. These charges reduce the potential return from your investment. One-off charges taken before or after you invest Entry charge 0.00%* Exit charge 0.00%* This is the maximum that might be taken out of your money before it is invested. *The fund also incurs a unit price spread. See opposite. Charges taken from the fund over a year Ongoing charges 0.13% Charges taken from the fund under certain specific conditions Performance fee PAST PERFORMANCE None The entry and exit charges shown are maximum figures. In some cases (including when switching to other funds managed by us) you might pay less - you can find out the actual figures from us or your financial adviser. The ongoing charges figure is based on the latest available expenses at December 2016. This figure may change in the future. This fund's ongoing charges include any charges made by any other funds it may invest in. Other costs: Unit price spread: on any day, the prices for buying or selling units in this fund are the same. However, there are maximum and minimum prices we can charge for units, reflecting the difference between the buying and selling prices of the assets in the fund and costs associated with buying and selling the assets. We can move the price depending on whether money is coming into or leaving the fund. The fund manager sets these prices. From day to day we will move the unit price between these prices as necessary. The difference between the maximum and minimum prices is called the spread. The spread is separate to the entry, exit and ongoing charges shown in this section. The spread can change at any time and by any amount. As an example, the maximum price for units in this fund was 0.19% higher than the minimum price at 31 December 2016. For more information about charges and costs, please see the charges and expenses section in the fund's Prospectus, or visit our website at legalandgeneral.com/chargesandfees. 35 30 25 20 15 10 5 0-5 -10 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 Fund 21.0 16.3-7.5 11.0 22.2 12.3 3.8 30.3 Index 18.9 16.7-6.1 11.9 22.7 12.3 4.8 30.4 Past performance is not a guide to future performance. The figures for the fund take into account all charges except any entry charge, and assume income (after any tax) is reinvested. The performance has been calculated in Sterling (British pounds). The fund will not replicate the performance of its benchmark index perfectly. This is because the fund will incur drags on performance such as expenses, tax and transactions costs, which the benchmark index is not subject to. The annual return is for a 12 month period ending 31 December. The fund launched in 2008. This unit class launched in 2008. PRACTICAL INFORMATION The trustee is Northern Trust Global Services Limited. You can find further information about the fund in its Prospectus and latest annual and half-yearly reports at www.legalandgeneral.com/reports. A Guide to Investing with Us at www.legalandgeneral.com/guide gives further information about investing generally. These documents are also available from: Legal & General Investments, PO Box 6080, Wolverhampton WV1 9RB. We will provide documents free of charge and in English. You can get other practical information, including the latest buying and selling prices, spreads and details of any other unit classes that are available, by calling us on 0370 050 0955 Monday to Friday between 8.30am and 6.00pm. Call charges will vary. You can also find details of how we price units in A Guide to Investing with Us. UK tax legislation may have an impact on your personal tax position. Legal & General (Unit Trust Managers) Limited may be held liable solely on the basis of any statement contained in this document that is misleading, inaccurate or inconsistent with the relevant parts of the Prospectus for the fund. You can find details of our Remuneration Policy at www.lgim.com/remuneration. You can also request a paper copy free of charge. The Policy includes details of our Remuneration Committee and how remuneration and benefits are calculated. This fund is authorised in the UK and regulated by the Financial Conduct Authority. This key investor information is accurate as at 15 February 2017.
KEY INVESTOR INFORMATION This document provides you with key investor information about this fund. It is not marketing material. The information is required by law to help you understand the nature and the risks of investing in this fund. You are advised to read it so you can make an informed decision about whether to invest. Legal & General Managed Monthly Income Trust I Class Distribution ISIN: GB00B0CNHP01 This fund is managed by Legal & General (Unit Trust Managers) Limited. OBJECTIVE AND INVESTMENT POLICY Objective The objective of this fund is to provide a high income each month. Investment policy: The fund will invest in bonds (a type of loan which pays interest). These bonds will have a pre-set rate of income (either set at a fixed level or varying in a pre-determined way). The bonds that the fund invests in will be at least 80% investment grade (rated as lower risk). The fund may also invest up to 20% in subinvestment grade bonds (rated as higher risk). Investment and subinvestment grade bonds are bonds that have been given a credit rating by a rating agency. Credit ratings give an indication of how likely it is that the issuer of a bond will be able to pay back interest and the loan on time. The bonds that the fund invests in may be issued by companies, governments or other public bodies anywhere in the world. The fund may use derivatives (contracts which have a value linked to the price of another asset) to: reduce risk or cost; or generate additional capital or income with no, or an acceptably low, level of risk. RISK AND REWARD PROFILE Lower risk Potentially lower rewards Higher risk Potentially higher rewards 1 2 3 4 5 6 7 This risk and reward indicator is based on historical data which may not be a reliable indication of the fund's risk and reward category in the future. The category is based on the rate at which the value of the fund has moved up and down in the past. This fund is in category 3 because it invests in investment grade bonds which generally provide higher rewards and higher risks than investments in cash and lower rewards and lower risks than other investments such as sub-investment grade bonds or company shares. The fund's category is not guaranteed to remain the same and may change over time. Even a fund in the lowest category is not a risk free investment. The value of your investment and any income you take from it may fall as well as rise and is not guaranteed. You might get back less than you invest. The fund may also invest in cash, deposits or other authorised investment funds. Other information: If you hold distribution units, income from investments held by the fund will be paid out to you monthly (as interest). This will reduce your capital growth accordingly. You can buy or sell units in this fund on any working day. You need to contact us with your instruction before 12 noon. This is the time we calculate unit prices for this fund. If you contact us after 12 noon, the units will be bought or sold at the next working day's price. This fund is designed for investors seeking income from an investment which can form part of their existing savings portfolio. Although investors can take their money out at any time, this fund may not be appropriate for those who plan to withdraw their money within five years. If you do not understand this document we recommend you seek additional information to help you decide if this fund is right for you. The risk and reward indicator may not take account of the following risks of investing in the fund: This fund holds bonds that, rather than being traded on an exchange, are traded through agents, brokers or investment banks matching buyers and sellers. This makes the bonds less easy to buy and sell than investments that are traded on an exchange and on any particular day there may not be a buyer or a seller for the bonds. In times of market uncertainty or if an exceptional amount of withdrawals are requested it may become less easy for your fund to sell investments. If this happens, the value of your fund may fall and in extreme circumstances this may also force a delay in buying and selling your investment in the fund, which may mean you have to wait for your money to be invested or returned. The fund can only delay paying out if it is in the interests of all investors and with the permission of the fund trustee or depositary. Investment returns on bonds are particularly sensitive to trends in interest rate movements. Their values are likely to fall when interest rates rise. Such falls may be more pronounced in a low interest rate environment. Bonds with a longer time to go before their maturity date will fall by more than bonds with a short time to their maturity date. Credit ratings assigned to the individual assets in the fund can weaken and cause the value of those assets to fall. The fund invests in bonds which are issued by companies or governments. If these companies or governments experience financial difficulty, they may be unable to pay back some or all of the interest, original investment or other payments that they owe. If this happens, the value of your fund may fall. The fund could lose money if any institutions providing services such as safekeeping of assets or acting as counterparty to derivatives or other instruments, becomes unwilling or unable to meet its obligations to the fund. Derivatives are highly sensitive to changes in the value of the asset on which they are based and can increase the size of losses and gains. The fund may have underlying investments that are valued in currencies that are different from Sterling (British Pounds). Any such investments will be impacted by exchange rate fluctuations and this may affect the value of your investment and any income from it. Currency hedging techniques may have been applied to reduce the impact of exchange rate fluctuations but may not entirely eliminate it. If you use your right to cancel your investment, you may not get a full refund if the value of your investment falls before we carry out your instruction.
(return %) CHARGES FOR THIS FUND The charges you pay are used to pay the costs of running the fund, including the costs of marketing and distributing it. These charges reduce the potential return from your investment. One-off charges taken before or after you invest Entry charge 0.00%* Exit charge 0.00%* This is the maximum that might be taken out of your money before it is invested. *The fund also incurs a unit price spread. See opposite. Charges taken from the fund over a year Ongoing charges 0.44% Charges taken from the fund under certain specific conditions Performance fee PAST PERFORMANCE None The entry and exit charges shown are maximum figures. In some cases (including when switching to other funds managed by us) you might pay less - you can find out the actual figures from us or your financial adviser. The ongoing charges figure is based on the latest available expenses at December 2016. This figure may change in the future. This fund's ongoing charges include any charges made by any other funds it may invest in. Other costs: Unit price spread: each day there are two prices for this fund: a higher price you pay to buy units and a lower price you receive when you sell units. The fund manager sets these prices. The difference between these prices is called the 'spread'. The spread is separate to the entry, exit and ongoing charges shown in this section. This fund's spread reflects the difference between the buying and selling prices of the assets it holds and costs associated with buying and selling the assets. The spread can change at any time and by any amount. As an example, the buying price for units in this fund was 0.82% higher than the selling price at 31 December 2016. For more information about charges and costs, please see the charges and expenses section in the fund's Prospectus, or visit our website at legalandgeneral.com/chargesandfees. 25 20 15 10 5 0-5 -10-15 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 Fund 0.3-13.1 22.4 10.3 4.3 15.9 1.0 12.0 0.3 10.7 Past performance is not a guide to future performance. The figures take into account all charges except any entry charge, and assume income (after any tax) is reinvested. The performance has been calculated in Sterling (British Pounds). The annual return is for a 12 month period ending 31 December. The fund launched in 1997. This unit class launched in 2005. PRACTICAL INFORMATION The trustee is Northern Trust Global Services Limited. You can find further information about the fund in its Prospectus and latest annual and half-yearly reports at www.legalandgeneral.com/reports. A Guide to Investing with Us at www.legalandgeneral.com/guide gives further information about investing generally. These documents are also available from: Legal & General Investments, PO Box 6080, Wolverhampton WV1 9RB. We will provide documents free of charge and in English. You can get other practical information, including the latest buying and selling prices, spreads and details of any other unit classes that are available, by calling us on 0370 050 0955 Monday to Friday between 8.30am and 6.00pm. Call charges will vary. You can also find details of how we price units in A Guide to Investing with Us. UK tax legislation may have an impact on your personal tax position. Legal & General (Unit Trust Managers) Limited may be held liable solely on the basis of any statement contained in this document that is misleading, inaccurate or inconsistent with the relevant parts of the Prospectus for the fund. You can find details of our Remuneration Policy at www.lgim.com/remuneration. You can also request a paper copy free of charge. The Policy includes details of our Remuneration Committee and how remuneration and benefits are calculated. This fund is authorised in the UK and regulated by the Financial Conduct Authority. This key investor information is accurate as at 15 February 2017.
KEY INVESTOR INFORMATION This document provides you with key investor information about this fund. It is not marketing material. The information is required by law to help you understand the nature and the risks of investing in this fund. You are advised to read it so you can make an informed decision about whether to invest. Legal & General Mixed Investment 0-35% Fund I Class Distribution ISIN: GB00B8B8CK26 This fund is managed by Legal & General (Unit Trust Managers) Limited. OBJECTIVE AND INVESTMENT POLICY Objective The objective of this fund is to provide growth of capital above the Bank of England base interest rate over rolling three year periods. There is no guarantee that the manager will outperform the Bank of England s base interest rate in any period and capital invested in the fund is at risk. Investment policy: The fund will invest between 80% and 100% in a broad range of UK and overseas company shares, bonds (a type of loan which pays interest) and cash. The fund will invest up to 35% in company shares. Generally the fund will invest in these assets through other authorised investment funds, including funds from Legal & General. However, it may also invest directly in the assets. At times the fund could hold: up to 100% in other funds; or up to 100% directly in the assets; or up to 100% in cash or cash like investments. The bonds that the fund invests in may be: investment grade (rated as lower risk); or sub-investment grade (rated as higher risk). Investment and sub-investment grade bonds are bonds that have been given a credit rating by a rating agency. Credit ratings give an indication of how likely it is that the issuer of a bond will be able to pay back interest and the loan on time. RISK AND REWARD PROFILE Lower risk Potentially lower rewards Higher risk Potentially higher rewards 1 2 3 4 5 6 7 This risk and reward indicator is based on historical data which may not be a reliable indication of the fund's risk and reward category in the future. The category is based on the rate at which the fund and a representative mix of the underlying funds have moved up and down in the past. This fund is in category 3 because it invests, sometimes through other funds, in a variety of investments. A mixture of higher risk investments and lower risk investments has a balancing effect. The result is that this fund is lower risk than one investing only in company shares and higher risk than one investing only in investment grade bonds. The fund's category is not guaranteed to remain the same and may change over time. Even a fund in the lowest category is not a risk free investment. The value of your investment and any income you take from it may fall as well as rise and is not guaranteed. You might get back less than you invest. The bonds that the fund invests in may be issued by companies or governments. The fund may use derivatives (contracts which have a value linked to the price of another asset) to: reduce risk or cost; or generate additional capital or income with no, or an acceptably low, level of risk. The fund may also invest in other transferable securities and other funds. Other information: If you hold income units, income from investments held by the fund will be paid out to you (as a dividend). This will reduce your capital growth accordingly. You can buy or sell units in this fund on any working day. You need to contact us with your instruction before 3.00pm. This is the time we calculate unit prices for this fund. If you contact us after 3.00pm, the units will be bought or sold at the next working day's price. This fund is designed for investors looking to grow their money in an investment which can form a substantial part of their savings portfolio. Although investors can take their money out at any time, this fund may not be appropriate for those who plan to withdraw their money within five years. If you do not understand this document we recommend you seek additional information to help you decide if this fund is right for you. The risk and reward indicator may not take account of the following risks of investing in the fund: There is no guarantee that the manager will outperform the Bank of England s base interest rate in any period and capital invested in the fund is at risk. Investment returns on bonds are particularly sensitive to trends in interest rate movements. Their values are likely to fall when interest rates rise. Such falls may be more pronounced in a low interest rate environment. Bonds with a longer time to go before their maturity date will fall by more than bonds with a short time to their maturity date. Credit ratings assigned to the individual assets in the fund can weaken and cause the value of those assets to fall. The fund invests in bonds which are issued by companies or governments. If these companies or governments experience financial difficulty, they may be unable to pay back some or all of the interest, original investment or other payments that they owe. If this happens, the value of your fund may fall. This fund has investments that, rather than being traded on a stock exchange, are traded through agents, brokers or investment banks matching buyers and sellers. This makes the investments less easy to buy and sell than those that are traded on an exchange and on any particular day there may not be a buyer or a seller for the investments. In times of market uncertainty or if an exceptional amount of withdrawals are requested it may become less easy for your fund to sell investments. If this happens, the value of your fund may fall and in extreme circumstances this may also force a delay in buying and selling your investment in the fund, which may mean you have to wait for your money to be invested or returned. The fund can only delay paying out if it is in the interests of all investors and with the permission of the fund trustee or depositary. The fund could lose money if any institutions providing services such as safekeeping of assets or acting as counterparty to derivatives or other instruments, becomes unwilling or unable to meet its obligations to the fund. Derivatives are highly sensitive to changes in the value of the asset on which they are based and can increase the size of losses and gains. The fund may have underlying investments that are valued in currencies that are different from Sterling (British Pounds). Any such investments will be impacted by exchange rate fluctuations and this may affect the value of your investment and any income from it. Currency hedging techniques may have been applied to reduce the impact of exchange rate fluctuations but may not entirely eliminate it. If you use your right to cancel your investment, you may not get a full refund if the value of your investment falls before we carry out your instruction.
(return %) CHARGES FOR THIS FUND The charges you pay are used to pay the costs of running the fund, including the costs of marketing and distributing it. These charges reduce the potential return from your investment. One-off charges taken before or after you invest Entry charge 0.00%* Exit charge 0.00%* This is the maximum that might be taken out of your money before it is invested. *The fund also incurs a dilution levy. See opposite. Charges taken from the fund over a year Ongoing charges 0.47% Charges taken from the fund under certain specific conditions Performance fee PAST PERFORMANCE None The entry and exit charges shown are maximum figures. In some cases (including when switching to other funds managed by us) you might pay less - you can find out the actual figures from us or your financial adviser. The ongoing charges figure is based on the latest available expenses at December 2016. This figure may change in the future. This fund's ongoing charges include any charges made by any other funds it may invest in. Other costs: Dilution levy: Each day the fund manager calculates a single price for this fund based on the mid-point between the buying and selling prices of the fund s assets. In certain circumstances, if necessary to protect ongoing investors, we can also take a deduction from anyone buying or selling units. This deduction is called the dilution levy and reflects the difference between the buying and selling prices of the assets in the fund and costs associated with buying and selling the assets. The dilution levy is separate to the entry, exit and ongoing charges shown in this section. As an example, the dilution levy for this fund was 0.44% at 31 December 2016. The amount of the dilution levy may differ in future. For more information about charges and costs, please see the charges and expenses section in the fund's Prospectus, or visit our website at legalandgeneral.com/chargesandfees. 12 10 8 6 4 Performance prior to this point achieved under circumstances that no longer apply. Past performance is not a guide to future performance. The figures take into account all charges except any entry charge, and assume income (after any tax) is reinvested. The performance has been calculated in Sterling (British Pounds). The annual return is for a 12 month period ending 31 December. The fund launched in 2005. This unit class launched in 2012. The fund changed its name (from the Legal & General Target Return Fund) and its investment policy on 9 June 2014. Performance after this date is under the new investment policy. 2 0 2012 2013 2014 2015 2016 Fund 8.7 5.5 0.0 10.4 PRACTICAL INFORMATION The trustee is Northern Trust Global Services Limited. You can find further information about the fund in its Prospectus and latest annual and half-yearly reports at www.legalandgeneral.com/reports. A Guide to Investing with Us at www.legalandgeneral.com/guide gives further information about investing generally. These documents are also available from: Legal & General Investments, PO Box 6080, Wolverhampton WV1 9RB. We will provide documents free of charge and in English. You can get other practical information, including the latest unit price, dilution levy and details of any other unit classes that are available, by calling us on 0370 050 0955 Monday to Friday between 8.30am and 6.00pm. Call charges will vary. You can also find details of how we price units in A Guide to Investing with Us. UK tax legislation may have an impact on your personal tax position. Legal & General (Unit Trust Managers) Limited may be held liable solely on the basis of any statement contained in this document that is misleading, inaccurate or inconsistent with the relevant parts of the Prospectus for the fund. You can find details of our Remuneration Policy at www.lgim.com/remuneration. You can also request a paper copy free of charge. The Policy includes details of our Remuneration Committee and how remuneration and benefits are calculated. This fund is authorised in the UK and regulated by the Financial Conduct Authority. This key investor information is accurate as at 15 February 2017.
NON-UCITS RETAIL SCHEME KEY INVESTOR INFORMATION This document provides you with key investor information about this fund. It is not marketing material. The information is required by law to help you understand the nature and the risks of investing in this fund. You are advised to read it so you can make an informed decision about whether to invest. Legal & General Multi-Index 3 Fund I Class Distribution ISIN: GB00B6VR4B04 This fund is managed by Legal & General (Unit Trust Managers) Limited. OBJECTIVE AND INVESTMENT POLICY Objective The objective of the fund is to provide a combination of growth and income and to keep the fund within a pre-determined risk profile. Investment policy: Important Note: Please be aware the Manager will be making changes to the Investment policy from the 3 July 2017. We have created a guide to explain these changes www.legalandgeneral.com/multi-index-changes. The fund is part of a range of risk profiled funds. The risk profile ranges from 1-10 with 1 being the least risky, and 10 being the most. This fund is a 3. The level of risk in the fund is managed by restricting the types and proportions of the assets it holds. The fund s potential gains and losses are likely to be limited by the objective to stay within its particular risk profile. The target risk profile for the fund is set by an independent company*, and is based on the historic return and volatility of different asset types. We use our experience and research, together with research and allocation guidelines from this independent company* to restrict the types of assets held and the allocation of each asset type to stay within the target risk profile. At least 80% of the fund will be invested in other authorised investment funds. The fund will mainly invest in index-tracker funds which are operated by Legal & General. Through the other funds, the fund will have exposure of between 50% and 100% to company and government bonds (a type of loan that pays interest) and cash. Between 70% and 100% of the bonds the fund is exposed to will be investment grade. Investment grade means that the bond is rated as lower risk by a rating agency. RISK AND REWARD PROFILE Lower risk Potentially lower rewards Higher risk Potentially higher rewards 1 2 3 4 5 6 7 This risk and reward indicator is based on historical data which may not be a reliable indication of the fund's risk and reward category in the future. The category is based on the rate at which the value of the fund and a representative mix of the underlying funds have moved up and down in the past. This fund is in category 3 because it invests, through other funds, in investment grade bonds, with some exposure to other asset types. Investment grade bonds generally provide lower rewards and lower risks whereas company shares generally provide higher rewards and higher risks. The level of risk in the fund is managed by restricting the types and proportions of the assets it holds. The fund's category is not guaranteed to remain the same and may change over time. Even a fund in the lowest category is not a risk free investment. The value of your investment and any income you take from it may fall as well as rise and is not guaranteed. You might get back less than you invest. The risk and reward indicator may not take account of the following risks of investing in the fund: Investment returns on bonds are particularly sensitive to trends in interest rate movements. Their values are likely to fall when interest rates rise. Such falls may be more pronounced in a low interest rate environment. Bonds with a longer time to go before their maturity date will fall by more than bonds with a short time to their maturity date. Credit ratings assigned to the individual assets in the fund can weaken and cause the value of those assets to fall. The fund has exposure to bonds which are issued by governments or companies. If these governments or companies experience financial The fund will also have exposure to company shares, UK commercial property, money market instruments (a form of loan that pays interest and is designed to have a stable value) and bank deposits. The fund may use derivatives (contracts which have a value linked to the price of another asset) to: reduce risk or cost; or generate additional capital or income with no, or an acceptably low, level of risk. Other information: If you hold distribution units, income from investments held by the fund will be paid out to you (as a dividend). This will reduce your capital growth accordingly. You can buy or sell units in this fund on any working day. You need to contact us with your instruction before 3.00pm. This is the time we calculate unit prices for this fund. If you contact us after 3.00pm, the units will be bought or sold at the next working day's price. This fund: is primarily designed for investors who have received advice and had their attitude to risk assessed and matched to the risk profile of this fund but may be appropriate for those customers who have considered the risk profile of this fund with the others in the Multi-Index range; is appropriate for investors looking to grow their money in an investment which can form a substantial part of their savings portfolio; will allow investors to take their money out at any time, however we recommend investing for a minimum of five years. To help you understand this fund, its risk profile and how it compares to others in the range we have created a guide www.legalandgeneral.com/mi-guide. We recommend you read our guide to the fund range to help you decide if this is the right fund for you. difficulty, they may be unable to pay back some or all of the interest, original investment or other payments that they owe. If this happens, the value of your fund may fall. This fund has exposure to investments that, rather than being traded on a stock exchange, are traded through agents, brokers or investment banks matching buyers and sellers. This makes the investments less easy to buy and sell than those that are traded on an exchange and on any particular day there may not be a buyer or a seller for the investments. In times of market uncertainty or if an exceptional amount of withdrawals are requested it may become less easy for your fund to sell investments. If this happens, the value of your fund may fall and in extreme circumstances this may also force a delay in buying and selling your investment in the fund, which may mean you have to wait for your money to be invested or returned. The fund can only delay paying out if it is in the interests of all investors and with the permission of the fund trustee or depositary. The fund could lose money if any institutions providing services such as safekeeping of assets or acting as counterparty to derivatives or other instruments, becomes unwilling or unable to meet its obligations to the fund. Derivatives are highly sensitive to changes in the value of the asset on which they are based and can increase the size of losses and gains. The fund may have underlying investments that are valued in currencies that are different from Sterling (British Pounds). Any such investments will be impacted by exchange rate fluctuations and this may affect the value of your investment and any income from it. Currency hedging techniques may have been applied to reduce the impact of exchange rate fluctuations but may not entirely eliminate it. If you use your right to cancel your investment, you may not get a full refund if the value of your investment falls before we carry out your instruction. *The fund targets risk profile 3 as calculated by Distribution Technology. They are an independent agency who provide risk profiling tools to advisers and fund managers.the Risk and Reward profile scale above is calculated differently to the Distribution Technology Risk Profiles. The Distribution Technology profiles range from 1 to 10 with 10 being the highest (rather than a scale of 1 to 7 for the Risk and Reward profile).
(return %) CHARGES FOR THIS FUND The charges you pay are used to pay the costs of running the fund, including the costs of marketing and distributing it. These charges reduce the potential return from your investment. One-off charges taken before or after you invest Entry charge 0.00%* Exit charge 0.00%* This is the maximum that might be taken out of your money before it is invested. *The fund also incurs a unit price spread. See opposite. Charges taken from the fund over a year Ongoing charges 0.31% Charges taken from the fund under certain specific conditions Performance fee PAST PERFORMANCE None The entry and exit charges shown are maximum figures. In some cases (including when switching to other funds managed by us) you might pay less - you can find out the actual figures from us or your financial adviser. The ongoing charges figure is based on the latest available expenses at December 2016. This figure may change in the future. This fund's ongoing charges include any charges made by any other funds it may invest in. Other costs: Unit price spread: each day there are two prices for this fund: a higher price you pay to buy units and a lower price you receive when you sell units. The fund manager sets these prices. The difference between these prices is called the 'spread'. The spread is separate to the entry, exit and ongoing charges shown in this section. This fund's spread reflects the difference between the buying and selling prices of the assets it holds and costs associated with buying and selling the assets. The spread can change at any time and by any amount. As an example, the buying price for units in this fund was 0.65% higher than the selling price at 31 December 2016. For more information about charges and costs, please see the charges and expenses section in the fund's Prospectus, or visit our website at legalandgeneral.com/chargesandfees. 12 10 8 6 Past performance is not a guide to future performance. The figures take into account all charges except any entry charge, and assume income (after any tax) is reinvested. The performance has been calculated in Sterling (British Pounds). The annual return is for a 12 month period ending 31 December. The fund launched in 2013. This unit class launched in 2013. 4 2 0 2012 2013 2014 2015 2016 Fund 8.5 2.1 10.1 PRACTICAL INFORMATION The trustee is Northern Trust Global Services Limited. You can find further information about the fund in its Prospectus and latest annual and half-yearly reports at www.legalandgeneral.com/reports. A Guide to Investing with Us at www.legalandgeneral.com/guide gives further information about investing generally. These documents are also available from: Legal & General Investments, PO Box 6080, Wolverhampton WV1 9RB. We will provide documents free of charge and in English. You can get other practical information, including the latest buying and selling prices, spreads and details of any other unit classes that are available, by calling us on 0370 050 0955 Monday to Friday between 8.30am and 6.00pm. Call charges will vary. You can also find details of how we price units in A Guide to Investing with Us. UK tax legislation may have an impact on your personal tax position. You can find details of our Remuneration Policy at www.lgim.com/remuneration. You can also request a paper copy free of charge. The Policy includes details of our Remuneration Committee and how remuneration and benefits are calculated. This fund is authorised in the UK and regulated by the Financial Conduct Authority. This key investor information is accurate as at 2 May 2017.
NON-UCITS RETAIL SCHEME KEY INVESTOR INFORMATION This document provides you with key investor information about this fund. It is not marketing material. The information is required by law to help you understand the nature and the risks of investing in this fund. You are advised to read it so you can make an informed decision about whether to invest. Legal & General UK Property Feeder Fund I Class Distribution ISIN: GB00BK35F390 This fund is managed by Legal & General (Unit Trust Managers) Limited. OBJECTIVE AND INVESTMENT POLICY Objective The objective of this fund is to provide a combination of income and growth by investing solely in the Legal & General UK Property Fund (the Master Fund ). It may also hold cash where necessary to enable the making of payments to unitholders or creditors. Investment policy: The fund aims to achieve investment returns very similar to those of the Master Fund. The Master Fund will typically invest at least 80% in a range of UK commercial properties (but this can be as low as 60% where the fund manager deems it to be in the interests of the fund and its shareholders). The Master Fund may invest in all types of commercial property. The Master Fund may occasionally invest in residential property and may also develop properties. The Master Fund may also invest from time to time in commercial properties in the Isle of Man and the Channel Islands. The Master Fund may use derivatives (contracts which have a value linked to the price of another asset) to: reduce risk or cost; or generate additional capital or income with no, or an acceptably low, level of risk. The Master Fund may also invest in other property-related assets, (including property-related UK shares and UK property-related authorised RISK AND REWARD PROFILE investment funds), money market instruments, deposits, money marketrelated authorised investment funds and government bonds. Other information: If you hold distribution units in the Legal & General UK Property Feeder Fund, income from investments held by the fund will be paid out to you (as a dividend). This will reduce your capital growth accordingly. You can buy or sell units in this fund on any working day. You need to contact us with your instruction before 12 noon. This is the time we calculate unit prices for this fund. If you contact us after 12 noon, the units will be bought or sold at the next working day's price. The Master fund incurs transaction costs relating to buying and selling properties and other assets which are likely to impact returns from your investment. These costs are paid from the Master Fund's assets and are in addition to the entry or ongoing fund charges shown overleaf. This fund is designed for investors looking to grow their money in a specialised investment which can form part of their existing savings portfolio. Although investors can take their money out at any time, this fund may not be appropriate for those who plan to withdraw their money within five years. If you do not understand this document we recommend you seek additional information to help you decide if this fund is right for you. The value of your investment and any income you take from it may fall as well as rise and is not guaranteed. You might get back less than you invest. If you use your right to cancel your investment, you may not get a full refund if the value of your investment falls before we carry out your instruction. The following are additional risks that apply to the Master Fund and can impact the Legal & General UK Property Feeder Fund: If any of the markets in which you invest falls, the value of your investment in those markets will probably fall as well. In times of market uncertainty it may become less easy for your fund to buy and sell investments. If this happens, the value of your fund may fall and in extreme circumstances this may also force a delay in buying and selling your investment in the fund, which may mean you have to wait for your money to be invested or returned. The fund can only delay paying out if it is in the interests of all investors and with the permission of the fund trustee or depositary. The fund manager runs a fund to meet its objective and you should expect a fund's investments to change over time. The fund's level of risk may also change in the future, for example because of: - global economic conditions; - investment choices made by the fund manager; or - change in the riskiness of the market(s) invested in. At times it may be difficult for the Master Fund to make investments or sell assets to meet investors requests to buy/sell units. Where this occurs the fund may experience reduced investment performance for a period or have difficulty paying proceeds to investors who wish to sell units. Property can be difficult to buy or sell. This could mean: - cash builds up waiting to be invested, so the fund will underperform when property returns are greater than the interest earned; and/or - property may have to be sold for less than expected. If an exceptional amount of withdrawals are requested, the fund manager may be forced to sell properties quickly. This could mean that properties are sold for less than expected which would reduce the value of your investment. If total requested withdrawals exceed 10% of the value of the Master Fund, the Manager may defer withdrawals until the next working day. If the size of the Master Fund falls significantly, it may have to invest in fewer properties. This may lead to an increase in risk. Rental growth is not guaranteed and unpaid rent could affect the performance of your investment. The value of property is generally a matter of valuer s opinion rather than fact and the true value of a property may not be recognised until the property is sold. In certain circumstances we may not be able to obtain a valuer's opinion and will apply our own valuation. The Master Fund will undertake development of properties where the full benefits of any increases in the value of the property or the income earned from it are not received until completion. While any development is taking place, the fund is at risk from delays, increased costs or not achieving the predicted improvement in increasing the value of the property or rent received. The Master Fund may have a considerable amount of money on deposit with companies such as banks or other financial institutions and invests in money market securities which may be issued by governments, companies, banks and other financial institutions. If any of these experience financial difficulty, they may be unable to pay back some or all of the interest, original investment or other payments that they owe. The value of money market securities may fall due to changes in interest rates, inflation, creditworthiness, wider credit events or extensions to the anticipated term of investments. If any of these events happens, the value of your fund may fall. The Master Fund could lose money if any institutions providing services such as safekeeping of assets or acting as counterparty to derivatives or other instruments, becomes unwilling or unable to meet its obligations to the fund. Derivatives are highly sensitive to changes in the value of the asset on which they are based and can increase the size of losses and gains.
(return %) CHARGES FOR THIS FUND The charges you pay are used to pay the costs of running the fund, including the costs of marketing and distributing it. These charges reduce the potential return from your investment. One-off charges taken before or after you invest Entry charge 0.00%* Exit charge 0.00%* This is the maximum that might be taken out of your money before it is invested. * The fund also incurs transaction costs. See opposite. Charges taken from the fund over a year Ongoing charges 0.75% Charges taken from the fund under certain specific conditions Performance fee PAST PERFORMANCE None The entry and exit charges shown are maximum figures. In some cases (including when switching to other funds managed by us) you might pay less - you can find out the actual figures from us or your financial adviser. The ongoing charges figure is based on the latest available expenses at December 2016. This figure may change in the future. This fund's ongoing charges include the ongoing charges of the Master Fund. Other costs: Transaction costs: each day there are two prices for this fund: a higher price you pay to buy units and a lower price you receive when you sell units. The fund manager sets these prices. The difference between these prices is called the 'spread'. The spread is separate to the entry, exit and ongoing charges shown in this section. This fund's spread reflects the high transaction costs of buying and selling commercial property, and other assets, incurred by the Master Fund. The spread can change at any time and by any amount. As an example, the buying price for units in this fund was 4.99% higher than the selling price at 31 December 2016. Please note that the spread will be incurred on transfers between this fund and the Master Fund, except on certain dates. For more information about charges and transaction costs, please see the charges and expenses section in the fund's Prospectus, or visit our website at legalandgeneral.com/chargesandfees. Property expense ratio: the Master Fund has other costs in addition to its ongoing charges and transaction costs which will impact your investment. They include costs such as maintenance and repair fees, property management fees, letting costs and legal fees related to running properties. Full details are in the Master Fund s Prospectus. These additional costs are represented by the property expense ratio (PER). For I class the PER is 0.37% (at December 2016). 20 15 10 5 0-5 -10-15 -20 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 Fund -2.9-17.7 5.9 10.4 3.3 2.2 8.0 13.5 10.6 2.0 Past performance is not a guide to future performance. The figures take into account all charges except any entry charge, and assume income (after any tax) is reinvested. The performance has been calculated in Sterling (British Pounds). The annual return is for a 12 month period ending 31 December. The fund launched in 2014. This unit class launched in 2014. This UK Property Feeder Fund launched in 2014, but we have shown continuous performance back to 2007 as explained below. The fund invests solely in the Master Fund. On 24 May 2014 the Legal & General UK Property Trust merged into the newly created Master Fund. We believe it is fair and relevant to show you the available past performance of the I class of the Legal & General UK Property Trust before this date. Performance after this date is that of the I class of the UK Property Feeder Fund. PRACTICAL INFORMATION The trustee is Northern Trust Global Services Limited. This fund: You can find further information about the fund in its Prospectus and latest annual and half-yearly reports at www.legalandgeneral.com/reports. A Guide to Investing with Us at www.legalandgeneral.com/guide gives further information about investing generally. Master Fund: Copies of the Master Fund Prospectus, Key Investor Information documents and periodic reports and accounts are available at www.legalandgeneral.com/reports.these documents are also available from: Legal & General Investments, PO Box 6080, Wolverhampton WV1 9RB. We will provide documents free of charge and in English. You can get other practical information, including the latest buying and selling prices, spreads and details of any other unit classes that are available, by calling us on 0370 050 0955 Monday to Friday between 8.30am and 6.00pm. Call charges will vary. You can also find details of how we price units in A Guide to Investing with Us. UK tax legislation may have an impact on your personal tax position. You can find details of our Remuneration Policy at www.lgim.com/remuneration. You can also request a paper copy free of charge. The Policy includes details of our Remuneration Committee and how remuneration and benefits are calculated. This fund is authorised in the UK and regulated by the Financial Conduct Authority. This key investor information is accurate as at 1 March 2017.
KEY INVESTOR INFORMATION This document provides you with key investor information about this fund. It is not marketing material. The information is required by law to help you understand the nature and the risks of investing in this fund. You are advised to read it so you can make an informed decision about whether to invest. H2O MultiReturns Fund (N/AG (GBP) ISIN: GB00BFNXSH36) a sub-fund of NGAM Investment Funds U.K. ICVC Authorised Corporate Director: NGAM S.A., part of the Natixis group of companies Objectives and Investment Policy Investment objective: The investment objective of H2O MultiReturns Fund (the Fund ) is to seek to outperform 1-month GBP LIBOR rate by 4% p.a. over a recommended investment horizon of 3 years, less the ongoing charges ratio. The 1-month GBP LIBOR is the average rate of interbank loans in Pounds Sterling over a one month period. There can be no guarantee that the investment objective of the Fund will be achieved over a 3 year period or any other period and your investment is at risk. Investment policy: The Fund seeks diversification of its assets among global fixed income securities (e.g. bonds), money market instruments e.g. debt securities with short-term maturities), equity securities (e.g. shares) and currency markets. The Fund is actively managed and may use derivatives (e.g. financial contracts that derive their values from the price of underlying assets) to gain exposure to the permitted assets. The Fund may invest up to 100% of its assets in fixed income securities and money market instruments which may be issued or guaranteed by governments and companies and which may be below investment grade. Investment grade fixed income securities are securities rated at least BBB- (Standard & Poor s Ratings Services), Baa3 (Moody s Investors services, Inc.), an equivalent rating by Fitch ratings or if unrated, determined by H2O Asset Management L.L.P., the Investment Manager to be of equivalent quality. The Funds investment in fixed income securities may include zero coupons bonds (i.e. bonds which make no periodic interest payments but are traded at a discount to the face value), certificates of deposit (i.e. a certificate with a fixed maturity date and interest rate that is issued by a bank in exchange for the deposit of cash) and commercial paper (i.e. a short term unsecured debt instrument issued.by a company in exchange for a loan of cash). The Fund may invest no more than 20% of its assets in investment grade collateralized bonds (e.g. an investment grade security backed by a pool of bonds, loans or other assets) including asset-backed securities and mortgagebacked securities (e.g. debt securities whose value and income payments are derived from and secured by a specified pool of assets or mortgage loans, respectively). The Investment Manager may use derivatives to hedge the credit risk arising from the Fund s investments and to adjust the interest rate sensitivity (i.e. the extent to which a fixed income security will fluctuate in price as a result of changes in interest rates) of the Fund s portfolio. The Fund may invest up to 30% of its assets in global equity securities. The Investment Manager may take short equity positions (i.e. sale of a borrowed security with the expectation that the security will fall in value) through the use of derivatives. The Fund may invest up to 30% of its assets in taking short equity positions. The Fund may invest up to 10% of its net assets in other funds. The Fund may invest in issuers from any country and may be exposed to any currency including currencies of non-oecd countries (i.e. countries that are not members of the Organisation for Economic Co-operation and Development). Under normal market conditions, it is expected that the actual annualised volatility of the Fund (i.e. the measure of how much the value of the Fund has gone up or down over a given time period) will typically be between 5-10% over a three year investment horizon. However, the Fund s actual annualised volatility may be outside of this expected range over rolling investment horizons as a consequence of volatile market conditions or due to inherent volatility of certain investments held by the Fund. The base currency of the Fund is the British Pound Sterling. Shares in the Fund may be purchased, sold or exchanged on any business day in the U.K. Income derived from the Fund is distributed for Distribution Shares and reinvested for Accumulation Shares. Please refer to the section entitled Distribution and Accumulation Shares of the Prospectus for additional information. Recommendation: this Fund may not be appropriate for investors who plan to withdraw their money within the investment horizon of 3 years. Risk and Reward Profile Lower Risk Typically Lower Rewards Higher Risk Typically Higher Rewards 1 2 3 4 5 6 7 This ranking on the synthetic risk and reward indicator scale is due to the Fund s allocation to fixed income, equity and currency markets. Historical data may not be a reliable indication for the future. The risk category shown is not guaranteed and may shift over time. There is no capital guarantee or protection on the value of the Fund. The lowest category does not mean risk free. The risks of the Fund are managed through the use of the absolute Valueat-Risk method due to its extensive use of derivatives. The following risks are materially relevant to the Fund but are not adequately captured by the synthetic indicator: Derivatives and Counterparty risks: Funds may enter into listed and unlisted derivative contracts to indirectly invest on an underlying asset or to secure their assets. The payment on these contracts varies with changes of the value of the underlying assets.* These instruments are traded on a borrowing mechanism (leverage). For the fund, the result is a higher market exposure than they could basically have. It may, in some cases, multiply losses. An unlisted contract is directly signed with a specific counterparty which means that in the event of insolvency of the counterparty, the Funds could suffer a loss. Due to their unlisted specificity, these contracts are difficult to price. Below Investment Grade securities risk: If Funds invest in higher risk securities issued by company, financial or sovereign issuers, Funds have greater exposure to and are at a greater risk that this issuer will not be able to reimburse debt holders (principal and interest payment). In addition, if after acquisition the perceived risk of failure increases, the value of such securities is likely to decrease. Funds may also not be able to sell below investment grade securities quickly and easily. Finally, such securities may be subject to important price fluctuation. Changing interest rates: The value of fixed income securities held by a fund will rise or fall inversely with changes in interest rates. When interest rates decline, the market value of fixed income securities tends to increase. Interest rates typically vary from one country to the next for reasons including rapid fluctuations of a country s money supply, changes in demand by businesses and consumers to borrow money, and actual or anticipated changes in the rate of inflation. Please refer to the section entitled Risk Factors of the Prospectus for additional details on risks.
Charges for this Fund The charges you pay are used to pay the costs of running the Fund, including the costs of marketing and distributing it. These charges reduce the potential growth of your investment. Charges by Share Class-Share Class N One-Off charges taken before or after you invest Entry Charge 1.00% Exit Charge 0.00% This is the maximum that might be taken out of your money before it is invested. Charges taken from the Fund over a year Ongoing Charges: 1.00% p.a. Charges taken from the Fund under certain specific conditions Performance Fee: Past Performance 30% 25% 20% 15% 10% 5% 0% None 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 12.17 0.50 20.78 0.51 0.11 0.42 The entry and exit charges shown are maximum figures. In some cases you might pay less you can find this out from your financial adviser. The ongoing charges figure shown here is based on expenses for the year ending December 2016. It excludes the portfolio transaction costs, except in the case of an entry/exit charge paid by the Fund when buying or selling units in an underlying Fund. The Fund s annual report for each financial year will include detail on the exact charges made. For more information about charges, please refer to sections Fees and Expenses and Buying and Selling of Shares of the Fund s prospectus, which is available at the registered office of the Authorised Corporate Director or at ngam.natixis.com/uk. Fund Index Past performance is not a reliable indicator of future performance. Practical Information Depositary: State Street Trustees Limited 20 Churchill Place Canary Wharf, London, E14 5HJ This bar chart shows the performance of the N/AG(GBP) Share Class in its currency of quotation, net of ongoing charges and excluding entry or exit charges. The Fund and the share class were launched on 16 October 2013. Authorised Corporate Director: NGAM S.A. 2 rue Jean Monnet L-2180 Luxembourg, Grand Duchy of Luxembourg Cut-off Deadline: 12.00 noon GMT Additional information about the Company and the Fund (including the full prospectus, reports and accounts for the Company), procedure for the exchange of Shares from one sub-fund to another sub-fund and the Investment Manager may be obtained free of charge at the registered office of the Authorised Corporate Director or the Depositary. Prices per Share of the Fund may be obtained at the registered office of the Authorised Corporate Director or in the Financial Times. The assets and liabilities of each sub-fund are segregated, therefore the rights of investors and creditors concerning a sub-fund are limited to the assets of that sub-fund, unless otherwise provided in the constitutional documents of the Company. This Fund might be subject to specific tax treatment in the U.K. Depending on your own country of residence, this might have an impact on your investment. For further details, please contact an adviser. Details of the Management Company s up-to-date remuneration policy, which describes how remuneration and benefits are calculated and awarded, can be accessed from the following website: http://ngam.natixis.com/intl-regulatory-documents. A paper copy of the remuneration policy is also available free of charge upon request to the Management Company. Share Class - Additional Information Minimum Initial Investment Minimum Holding Dividend Policy Ongoing Charges Share Class ISIN Type of Investors Currency N/AG(GBP) GB00BFNXSH36 Retail investors Sterling 50,000 50,000 Accumulation 1.00%p.a N/DG(GBP) GB00BFNXSJ59 Retail investors Sterling 50,000 50,000 Distribution 1.00%p.a NGAM S.A. may be held liable solely on the basis of any statement contained in this document that is misleading, inaccurate or inconsistent with the relevant parts of the prospectus for the Fund. The Fund is authorised in the United Kingdom and regulated by the Financial Conduct Authority.* NGAM S.A. is authorised in Luxembourg and regulated by the Commission de Surveillance du Secteur Financier.* This key investor information is accurate as at 6 April 2017.
Key Investor Information This document provides you with key investor information about this fund. It is not marketing material. The information is required by law to help you understand the nature and the risks of investing in this fund. You are advised to read it so you can make an informed decision about whether to invest. Premier Defensive Growth Fund Class C Shares A sub-fund of the Premier Funds Class C Income Shares, ISIN no.gb00b832bd89 (representative share class) & Class C Accumulation Shares, ISIN no.gb00bthh0518 Authorised Corporate Director - Premier Portfolio Managers Ltd. Objectives and investment policy The aim of the fund is to generate positive returns over a rolling 36 month basis. However, there is no guarantee that this objective will be achieved over that specific, or any, time period and there is always a risk of loss to your original capital. This Fund will invest in a broad range of investments, including zero dividend preference shares, bonds, derivatives and structured investments. The Fund is actively managed which means that the Fund Manager will choose the investments, currencies and markets held in the Fund but always within the boundaries outlined in the Fund s objective and policy. The full investment objective and policy, which outline all the eligible investments, are available in the Fund s prospectus. You can buy, sell and switch shares in the Fund on any UK business day. We will need to receive your instruction before 12 noon to buy shares at that day s price. Terms Explained: Accumulation Shares: any income made by the Fund will be reinvested to grow the value of your investment. Income Shares: any income made by the Fund will be paid out to you. Bonds: Issued by companies or governments and similar to a loan in nature, usually paying a fixed or variable interest rate. Structured investments: a group of financial instruments which frequently combine the potential upside of market performance with limited downside. They may also provide a fixed return in exchange for accepting a degree of risk or may generate gains from market falls. They can also be used within a Fund to help manage the impact of large stockmarket fluctuations. Zero Dividend Preference Shares: Shares that do not receive an income but instead pay out a return at the end of the investment s fixed life. Derivatives: this is a financial contract whose value is related to the value of an underlying asset or index, often used with the aim of managing risk or enhancing returns. Risk and reward profile The Risk and Reward Indicator table demonstrates where the Fund ranks in terms of its potential risk and reward. The higher the rank the greater the potential reward but the greater the risk of losing money. It is based on past data, may change over time and may not be a reliable indication of the future risk profile of the Fund. The shaded area in the table below shows the Fund s ranking on the Risk and Reward Indicator. Typically lower rewards, lower risk Typically higher rewards, higher risk 1 2 3 4 5 6 7 The Fund is ranked as 2 because it has experienced low rises and falls in value over recent years. Please note that even the lowest ranking does not mean a risk-free investment. The indicator may not take fully into account the following risks of investing in this fund: Credit risk: if the issuer of a security is unable to make income payments or to repay its debt. Counterparty risk: arising from securities or financial derivative instruments which require a specific entity, usually a large bank, to honour its obligations to the fund. Structured Investments: these investments are usually linked to the performance of an underlying index or group of assets and may, if certain criteria are met, experience a swift change in value. Derivatives: these instruments can be highly sensitive to changes in the value of the asset on which they are based and can increase the size of losses and gains, resulting in larger fluctuations in the value of the Fund. Liquidity risk: during difficult market conditions some securities, such as corporate bonds, off-exchange financial derivative instruments, money market or structured investments, may become more difficult to sell at a desired price. Legal or tax risk: arising from a change in legal regulations, tax rules or the application of them. A more detailed description of the risks identified as being applicable to the Fund are set out in the Risk Factors section of the Prospectus. Page 1 of 2
Charges The charges you pay are used to pay the costs of running the Fund, including the costs of marketing and distributing it. These charges reduce the potential growth of your investment. One-off charges taken before or after you invest Entry charge 0.00% Exit charge 0.00% These are the maximum charges that we might take out of your money before it is invested and before we pay out the sale proceeds of your investment. In some cases, you might pay less and you should speak to your financial adviser about this. Charges taken from the Fund over a year Ongoing charges 0.85% Charges taken from the Fund under specific conditions Switching charge (for switching into the Fund from another fund) 0.00%. The ongoing charges figure is based on the last year s expenses and may vary from year to year. It excludes the costs of buying or selling assets for the Fund (unless these assets are shares of another fund). For more information about charges, please refer to the Fund's prospectus. For the Ongoing Charge, the figure was calculated as at 31/05/2016. Performance fee NONE Past performance % 6 5 4 3 You should be aware that past performance is not a guide to future performance. Fund launch date: 21/12/2010. Share/unit class launch date: 05/11/2012. Performance is calculated in GBP. Performance is net of charges (excluding entry charge) and net of tax. 2 1 0 2012 2013 2014 2015 2016 Fund 4.8 3.3 2.0 2.1 Practical information This document should be read in conjunction with the Supplementary Information Document (SID). For further information about the Fund, including the SID, a free English language copy of the full Prospectus, half-yearly and annual reports and accounts (which are prepared in relation to Premier Funds of which the Fund is a sub-fund), please visit www.premierfunds.co.uk, call us on 0333 456 6363 or write to us at Premier Portfolio Managers Limited, PO Box 3733, Royal Wootton Bassett, Swindon SN4 4BG. You can also obtain other practical information including the current price of shares in the Fund on the website. You can exchange your shares for shares in other sub-funds of the Company, as and when they are available. For more information on how to switch to another sub-fund, please call us on 0333 456 6363 or see the Prospectus on the website. The Fund s Depositary is Northern Trust Global Services Limited. UK tax legislation may have an impact on your personal tax position. Premier Portfolio Managers Limited may be held liable solely on the basis of any statement contained in this document that is misleading, inaccurate or inconsistent with the relevant parts of the Prospectus for the Fund. The Fund has its own portfolio of assets and liabilities and its assets shall not be available to satisfy debts that have arisen in other sub-funds of the Company (this concept is known as segregated liability ). The Class C Income Shares have been used as representative. Information about the share classes available can be found in the Prospectus. A copy of the Remuneration Policy, which includes a description of how remuneration and benefits are calculated and the identity of those who make up the Remuneration Committee, which is responsible for awarding remuneration and benefits, is available within the Important Information section of the website (www.premierfunds.co.uk). A paper copy will be made available free of charge, upon request. The Fund is authorised in the United Kingdom and regulated by the Financial Conduct Authority. Premier Portfolio Managers Limited is authorised in the United Kingdom and regulated by the Financial Conduct Authority of 25 the North Colonnade, Canary Wharf, London, E14 5HS with registered address Eastgate Court, High Street, Guildford, Surrey, GU1 3DE. Premier Portfolio Managers Ltd is registered in England No. 1235867. This Key Investor Information is accurate as at 10/03/2017. Page 2 of 2
Key Investor Information This document provides you with key investor information about this fund. It is not marketing material. The information is required by law to help you understand the nature and the risks of investing in this fund. You are advised to read it so you can make an informed decision about whether to invest. Premier Pan European Property Share Fund Class C Shares A sub-fund of the Premier Funds Class C Accumulation Shares, ISIN no.gb00b65pfy02 (representative share class) & Class C Income Shares, ISIN no.gb00b65pfx94 Authorised Corporate Director - Premier Portfolio Managers Ltd. Objectives and investment policy The aim of the Fund is to grow the value of your original investment over the long term and provide an income. The Fund will invest mainly in UK and Continental European quoted property shares. The Fund is actively managed which means that the Fund Manager will choose the investments, currencies and markets held in the Fund but always within the boundaries outlined in the Fund s objective and policy. The full investment objective and policy, which outline all the eligible investments, are available in the Fund s prospectus. You can buy, sell and switch shares in the Fund on any UK business day. We will need to receive your instruction before 12 noon to buy shares at that day s price. Terms Explained: Accumulation Shares: any income made by the Fund will be reinvested to grow the value of your investment. Income Shares: any income made by the Fund will be paid out to you. Risk and reward profile The Risk and Reward Indicator table demonstrates where the Fund ranks in terms of its potential risk and reward. The higher the rank the greater the potential reward but the greater the risk of losing money. It is based on past data, may change over time and may not be a reliable indication of the future risk profile of the Fund. The shaded area in the table below shows the Fund s ranking on the Risk and Reward Indicator. Typically lower rewards, lower risk Typically higher rewards, higher risk 1 2 3 4 5 6 7 The Fund is ranked as 5 because it has experienced medium to high rises and falls in value over the past five years. Please note that even the lowest ranking does not mean a risk-free investment. The Fund holds shares in companies with exposure to the property sector and concentrated by location in the UK and continental Europe. Equities tend to experience higher volatility than many other asset types such as corporate bonds or money market instruments. Property as an asset class tends to experience cyclicality which increases the volatility of return. Funds concentrated by geographic location are more vulnerable to market sentiment in that specific location and can carry a higher risk than funds holding more diversified assets. The Fund uses derivatives in a controlled manner to reduce currency exposure; this reduces the risk profile of the fund. The indicator may not take fully into account the following risks of investing in this fund: Legal or tax risk: arising from a change in legal regulations, tax rules or the application of them. A more detailed description of the risks identified as being applicable to the Fund are set out in the Risk Factors section of the Prospectus. Page 1 of 2
Charges The charges you pay are used to pay the costs of running the Fund, including the costs of marketing and distributing it. These charges reduce the potential growth of your investment. One-off charges taken before or after you invest Entry charge 0.00% Exit charge 0.00% These are the maximum charges that we might take out of your money before it is invested and before we pay out the sale proceeds of your investment. In some cases, you might pay less and you should speak to your financial adviser about this. Charges taken from the Fund over a year Ongoing charges 0.89% Charges taken from the Fund under specific conditions Switching charge (for switching into the Fund from another fund) 0.00%. The ongoing charges figure is based on the last year s expenses and may vary from year to year. It excludes the costs of buying or selling assets for the Fund (unless these assets are shares of another fund). For more information about charges, please refer to the Fund's prospectus. For the Ongoing Charge, the figure was calculated as at 31/05/2016. Performance fee NONE Past performance % 30 25 20 15 10 5 0-5 -10-15 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 Fund 10.7-11.3 27.8 21.7 24.2 13.8-0.6 You should be aware that past performance is not a guide to future performance. Fund launch date: 01/06/2001. Share/unit class launch date: 01/04/2009. Performance is calculated in GBP. Performance is net of charges (excluding entry charge) and net of tax. Practical information This document should be read in conjunction with the Supplementary Information Document (SID). For further information about the Fund, including the SID, a free English language copy of the full Prospectus, half-yearly and annual reports and accounts (which are prepared in relation to Premier Funds of which the Fund is a sub-fund), please visit www.premierfunds.co.uk, call us on 0333 456 6363 or write to us at Premier Portfolio Managers Limited, PO Box 3733, Royal Wootton Bassett, Swindon SN4 4BG. You can also obtain other practical information including the current price of shares in the Fund on the website. You can exchange your shares for shares in other sub-funds of the Company, as and when they are available. For more information on how to switch to another sub-fund, please call us on 0333 456 6363 or see the Prospectus on the website. The Fund s Depositary is Northern Trust Global Services Limited. UK tax legislation may have an impact on your personal tax position. Premier Portfolio Managers Limited may be held liable solely on the basis of any statement contained in this document that is misleading, inaccurate or inconsistent with the relevant parts of the Prospectus for the Fund. The Fund has its own portfolio of assets and liabilities and its assets shall not be available to satisfy debts that have arisen in other sub-funds of the Company (this concept is known as segregated liability ). The Class C Accumulation Shares have been used as representative. Information about the share classes available can be found in the Prospectus. A copy of the Remuneration Policy, which includes a description of how remuneration and benefits are calculated and the identity of those who make up the Remuneration Committee, which is responsible for awarding remuneration and benefits, is available within the Important Information section of the website (www.premierfunds.co.uk). A paper copy will be made available free of charge, upon request. The Fund is authorised in the United Kingdom and regulated by the Financial Conduct Authority. Premier Portfolio Managers Limited is authorised in the United Kingdom and regulated by the Financial Conduct Authority of 25 the North Colonnade, Canary Wharf, London, E14 5HS with registered address Eastgate Court, High Street, Guildford, Surrey, GU1 3DE. Premier Portfolio Managers Ltd is registered in England No. 1235867. This Key Investor Information is accurate as at 20/02/2017. Page 2 of 2
NON-UCITS RETAIL SCHEME KEY INVESTOR INFORMATION This document provides you with key investor information about this fund. It is not marketing material. The information is required by law to help you understand the nature and the risks of investing in this fund. You are advised to read it so you can make an informed decision about whether to invest. THREADNEEDLE UK PROPERTY AUTHORISED TRUST (THE "FUND") Class 2 Accumulation Units (GBP) GB00BQ3G0Y06, regulated by the FCA. This Fund is managed by Threadneedle Investment Services Limited (the "Management Company") (part of the Columbia and Threadneedle group of companies). Objectives and Investment Policy The aim of the Fund is to provide income and to grow the amount you invested. The Fund will invest 100%, or close to 100%, in the Threadneedle UK Property Authorised Investment Fund (the Company ), which is a Property Authorised Investment Fund ( PAIF ) for tax purposes. Since the Fund will invest all, or a very high proportion, of its assets into the Company, the Fund s investment returns are expected to be very similar to those of the Company. The objective of the Company is to grow the amount invested, and its investment policy is to invest typically at least two-thirds of its assets, either directly or indirectly in commercial real estate in the United Kingdom. The Company may also invest in shares, bonds, gilts, and other funds. The Company may invest in other assets including cash, for purposes of efficient portfolio management. Income from investments in the Fund will be added to the value of your units. You can buy and sell units in the Fund on any day that is a business day in London. You can find more detail on the objective and investment policy in the Investment Objective, Policy and other Details of the Fund section of the Prospectus, Recommendation: this Fund may not be appropriate for investors who plan to withdraw within 5 years. Risk and Reward Profile The value of investments can fall as well as rise and investors might not get back the sum originally invested. As this fund invests into other funds you should consider the underlying investments and overall risks. It may be difficult or impossible to realise an investment in the Fund because the underlying property held within the Company may not be readily saleable. The value of a property is a matter of a valuer's opinion and the true value may not be recognised until the property is sold by the Fund. As the Fund is dual priced, there is a price to buy units and a different price to sell them. Because of the cost of transacting in property, the difference between the two prices is likely to be wider than for other funds. The price at which you deal may change depending on whether the Fund is experiencing inflows or outflows of cash, and any change will mean an increase or decrease in the price at which you deal. If values in the property market go down or rental income decreases, the Fund's value may be negatively affected. Due to the illiquid nature of property and the time it can take to buy or sell assets, under normal circumstances up to 20% of the assets of the Company into which the Fund invests may be held as cash deposits. In exceptional circumstances, the level of cash held by the Fund may be significantly higher. Holding high levels of cash will have an impact on the performance of the Fund and its distributable income until the excess cash is invested in property assets. The Fund may exhibit significant price volatility. The risks currently identified as applying to the Fund are set out in the Risk Factors section of the prospectus. Page 1 of 2
Charges The charges you pay are used to pay the costs of running the Fund, including the costs of marketing and distributing it. These charges reduce the potential growth of your investment. One-off charges taken before or after you invest Entry Charge: 0.00% Exit Charge: 0.00% These are the maximum charges that we might take out of your money before it is invested. In some cases, you might pay less and you should speak to your financial adviser about this. Charges taken from the fund over a year Ongoing Charges: 0.81% Charges taken from the fund under specific conditions Performance Fee: NONE The ongoing charges figure does not take into account property expenses of 0.76%. These expenses include maintenance and repair fees, property insurance, and letting costs. The ongoing charges figure shown here is an estimate of the charges because the share/unit class is relatively new and has insufficient track record for us to calculate it exactly. The non- UCITS annual report for each financial year will include detail on the exact charges made. Past Performance 30% 25% 20% 15% 10% 5% 0% -5% -10% -15% Fund 12/05 13/05 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 -- -8.7 0.8 4.7 2.3-1.0 5.0 15.9 9.5-4.6 Source: Morningstar Past performance is not a guide to future performance. Fund launch date: 13/05/2016 Share/unit class launch date: 13/05/2016 Performance is calculated in GBP. The past performance information for the period prior to 13 May 2016 is from the Threadneedle UK Property Trust (Class 1 Net Income Units (GBP) GB00B1QGTF68) (a unit trust launched on 12 October 2007), which converted into this PAIF structure on 13 May 2016. All charges and fees, except any entry, exit and switching charge, have been included within the performance. fl Past performance before share class launch date includes data for another share / unit class or fund with similar characteristics. r Before this date the Fund had different characteristics. Please refer to www.columbiathreadneedle.com for further details. Practical Information Depositary: Citibank Europe plc, UK branch. You can obtain further information regarding the Fund, the Company, its Prospectus, latest annual reports and any subsequent half-yearly reports free of charge from the Management Company. The documents are available in English. You can obtain other practical information, including current unit prices, at columbiathreadneedle.com. Details of the remuneration policy, including a description of how remuneration and benefits are calculated and the persons responsible for awarding them (including the composition of the remuneration committee), are available at columbiathreadneedle.com. A paper copy is available free of charge upon request. The tax legislation of the United Kingdom may have an impact on your personal tax position. You may exchange your shares for shares of other funds of the Company, if available. Details can be found in the section of the prospectus with the heading "Switching/Converting". This share class is representing other classes of the Fund, details of which can be found in the prospectus or at columbiathreadneedle.com. This Fund is authorised in the United Kingdom, and regulated by the Financial Conduct Authority. Threadneedle Investment Services Limited is authorised in the United Kingdom, and regulated by the Financial Conduct Authority. This Key Investor Information is accurate as at 28/04/2017. Page 2 of 2 en-gb
NON-UCITS RETAIL SCHEME KEY INVESTOR INFORMATION This document provides you with key investor information about this fund. It is not marketing material. The information is required by law to help you understand the nature and the risks of investing in this fund. You are advised to read it so you can make an informed decision about whether to invest. THREADNEEDLE UK SOCIAL BOND FUND (THE "FUND") Class Z Income Shares (GBP) GB00BF233915, a sub-fund of Threadneedle Opportunity Investment Funds ICVC (the "Company"), regulated by the FCA. This sub-fund is managed by Threadneedle Investment Services Limited (the "Management Company") (part of the Columbia and Threadneedle group of companies). Objectives and Investment Policy The aim of the Fund is to provide both income and the potential to grow the amount you invested. The Fund s investments aim to support socially beneficial activities and developments. At least two-thirds of the assets of the Fund will be in bonds that are issued in the UK. The Fund invests in bonds (which are similar to a loan and pay a fixed or variable interest rate) issued by companies, governments, voluntary organisations and/or charities that engage in socially beneficial activities and development. Investments are assessed by the fund manager by reference to a social assessment methodology developed by Big Issue Invest and the Management Company. This assessment is reviewed at least quarterly by an advisory committee with two-thirds of its members being nominated by Big Issue Invest. Risk and Reward Profile The Risk and Reward Indicator table demonstrates where the Fund ranks in terms of its potential risk and reward. The higher the rank the greater the potential reward but the greater the risk of losing money. It is based on past data, may change over time and may not be a reliable indication of the future risk profile of the Fund. The shaded area in the table below shows the Fund s ranking on the Risk and Reward Indicator. Lower Risk, Typically lower rewards Higher Risk, Typically higher rewards 1 2 3 4 5 6 7 The Fund may also invest in asset classes and instruments different from those stated above. Any income the Fund generates will be paid to you, unless you have chosen to have it reinvested. You can buy and sell shares in the Fund on any day that is a business day in London. You can find more detail on the objectives and investment policy of the Fund in the section of the prospectus with the heading Investment Objectives, Policies and Other Details of the Funds, and in Appendix I. As part of the investment process, the Fund will make reference to the ML Sterling Non-Gilts (1-10 Y) Index from 06/04/2017. Previously, the Fund made reference to no index. However, the Fund makes active investment decisions and it is likely that additional positions will be held outside the index. The Fund is rated 3 because historically it has shown a medium to low level of volatility (how much the value of the Fund goes up and down). The lowest category does not mean a risk-free investment. The value of investments can fall as well as rise and investors might not get back the sum originally invested. The Fund aims to invest in assets that are deemed to be supporting and funding socially beneficial activities and development and utilises a Social Assessment Methodology. This will affect the Fund s exposure to certain issuers, industries, sectors, and regions, and may impact the relative performance of the Fund positively or negatively, depending on whether such investments are in or out of favour. The Fund invests in securities whose value would be significantly affected if the issuer refused, was unable to or was perceived to be unable to pay. The Fund holds assets which could prove difficult to sell. The Fund may have to lower the selling price, sell other investments or forego more appealing investment opportunities. Changes in interest rates are likely to affect the Fund s value. In general, as interest rates rise, the price of a fixed rate bond will fall, and vice versa. The Fund may invest in derivatives with the aim of reducing risk or minimising the cost of transactions. Such derivative transactions may benefit or negatively affect the performance of the Fund. The Manager does not intend that such use of derivatives will affect the overall risk profile of the Fund. All the risks currently identified as being applicable to the Fund are set out in the Risk Factors section of the prospectus. Page 1 of 2
Charges The charges you pay are used to pay the costs of running the Fund, including the costs of marketing and distributing it. These charges reduce the potential growth of your investment. One-off charges taken before or after you invest Entry Charge: 0.00% Exit Charge: 0.00% These are the maximum charges that we might take out of your money before it is invested. In some cases, you might pay less and you should speak to your financial adviser about this. Charges taken from the fund over a year Ongoing Charges: 0.45% Charges taken from the fund under specific conditions Performance Fee: NONE The ongoing charges figure is based on expenses for the year ending 25/05/16. This figure may vary from year to year. It excludes the costs of buying or selling assets for the Fund (unless these assets are shares of another fund). Past Performance 12% Fund Index* 10% 8% 6% 4% 2% Past performance is not a guide to future performance. Fund launch date: 04/12/2013 Share/unit class launch date: 04/12/2013 Performance is calculated in GBP. All charges and fees, except any entry, exit and switching charge, have been included within the performance. *ML Sterling Non-Gilts (1-10 Y) (Although the Fund makes reference to the index as part of the investment process, it is not intended that the performance of the Fund should track the index.) 0% -2% 2012 2013 2014 2015 2016 -- -- 11.1-0.0 9.2 -- -- n/a n/a n/a Source: Morningstar Practical Information Depositary: Citibank Europe plc, UK branch. You can obtain further information regarding the Fund, the Company, its Prospectus, latest annual reports and any subsequent half-yearly reports free of charge from the Management Company. The documents are available in English. You can obtain other practical information, including current share prices, at columbiathreadneedle.com. Details of the remuneration policy, including a description of how remuneration and benefits are calculated and the persons responsible for awarding them (including the composition of the remuneration committee), are available at columbiathreadneedle.com. A paper copy is available free of charge upon request. The tax legislation of the United Kingdom may have an impact on your personal tax position. Threadneedle Investment Services Limited may be held liable solely on the basis of any statement contained in this document that is misleading, inaccurate or inconsistent with the relevant parts of the prospectus for the Non-UCITS. This document describes a single fund of the Company. The prospectus and reports are prepared for the entire Company. The assets of the Fund are segregated by law cannot be used to pay the liabilities of other funds of the Company. You may exchange your shares for shares of other funds of the Company, if available. Details can be found in the section of the prospectus with the heading "Switching/Converting". Details of other share classes of the Fund can be found in the Prospectus or at columbiathreadneedle.com. This Fund is authorised in the United Kingdom, and regulated by the Financial Conduct Authority. Threadneedle Investment Services Limited is authorised in the United Kingdom, and regulated by the Financial Conduct Authority. This Key Investor Information is accurate as at 07/04/2017. Page 2 of 2 en-gb
Key Investor Information This document provides you with the key investor information about this fund. It is not marketing material. The information is required by law to help you understand the nature and the risks of investing in this fund. You are advised to read it so you can make an informed decision about whether to invest. Trojan Fund, O Income, a fund within Trojan Investment Funds (ISIN: GB0034243732) The fund is managed by Capita Financial Managers Limited, part of the Asset Services Division of Capita plc. Objectives and investment policy Objective The fund aims to provide capital and income growth over the long term. Investment Policy The fund invests in the shares of UK and overseas companies, government and corporate debt securities. Assets which provide indirect exposure to gold and cash may also be held. Essential features of the fund: The fund has the discretion to invest in a range of investments as described above with no need to adhere to a particular benchmark. The fund has no specific target market, asset class or geographic sector. Risk and reward profile You can buy and sell shares in the fund on each business day. The fund aims to distribute available income every six months. Currency hedging arrangements may be used to reduce the risk of currency movements in the value of overseas investments held by the fund. Recommendation: This fund may not be appropriate for investors who plan to withdraw their money within 5 years. The risk and reward profile shown is not guaranteed to remain the same and may shift over time. This indicator shows how much a fund has risen and fallen in the past, and therefore how much a fund's returns have varied. It is a measure of a fund's volatility. The higher a fund's past volatility the higher the number on the scale and the greater the risk that investors in that fund may have made losses as well as gains. The lowest number on the scale does not mean that a fund is risk free. The fund has been classed as 4 because its volatility has been measured as average. Credit Risk: Debt securities are affected by trends in interest rates and inflation. If interest rates go up the value of capital may fall and vice versa. Inflation will also decrease the real value of capital. The value of a debt security is also affected by its credit rating. Counterparty Risk: As the fund may enter into currency hedging arrangements there is a risk that other parties may fail to meet their obligations. This may lead to delays in receiving amounts due to the fund, and the fund receiving less than is due or receiving nothing. Currency Risk: As the fund invests in overseas securities, movements in exchange rates may, when not hedged, cause the value of your investment to increase or decrease. This indicator is based on historical data and may not be a reliable indication of the future risk profile of this fund. For full details of the fund's risks, please see the prospectus which may be obtained from the address in 'Practical Information' overleaf. Version 10.0