Your investment choices and charges WPP Pension and Plan This directory lists the Zurich Pension Funds available to you and the total charge for each as at August 2017. You can find details of each fund and their objective in the Investment choices area of the website. Lifestyle strategies are not shown in this table. If you would like more information about these, please read Guidance on your fund choices. What are the charges? Making expert decisions about buying and selling assets takes years of experience, so funds have charges for the services of their fund managers and administrators. Zurich also takes charges for managing your plan and investments. The total charge is made up of the following: Fund based charges Zurich takes fund based charges calculated on the value of each of your investments. The charge is calculated daily and taken each month by selling units held in your plan. Fund manager charges These include annual management charges and fund expenses. Annual management charges are taken by the fund manager to cover the cost of investment management and administration. They are deducted from the fund every day before unit prices are calculated. They could change in the future. Fund expenses are deducted from the funds before the unit prices are calculated. They are additional expenses incurred in the day to day management of the funds activities and include expenses, taxes, duties and other charges incurred in the purchase, sale, valuation and maintenance of the investments and auditors and custodians fees. In some cases, these may also include a charge for the adviser involved in constructing the fund, known as the Managed fund services charge. Platform charge adjustment If you ve held a Retirement Saver for at least one year, where the value exceeds 250,000 on 1 July, 0.020% of the value above 250,000 will be added to your plan. If you have holdings in both savings and s, the adjustment will be added proportionally to each. This adjustment is separate from the Total charge shown in the table. For more information please read the Terms and conditions Zurich Aberdeen Corporate Bond 0.720 0.770 Zurich Aberdeen Ethical World 1.190 1.240 Zurich Aberdeen Life UK Long Dtd Sterling Bond 0.520 0.570 Zurich Aberdeen Sterling Government Bond 0.680 0.730 Zurich Aquila 30/70 Curr Hdg Global Equity Ind 0.407 0.457 Zurich Aquila 40/60 Global Equity Index 0.323 0.373 Zurich Aquila 50/50 Global Equity Index 0.323 0.373 Zurich Aquila 60/40 Global Equity Index 0.322 0.372 Zurich Aquila Consensus 0.333 0.383 Zurich Aquila Corporate Bond All Stocks Index 0.330 0.380 Zurich Aquila Corporate Bond Over 15 Year Ind 0.330 0.380 Zurich Aquila Emerging Markets Equity Index 0.531 0.581 Zurich Aquila European Equity Index 0.330 0.380 Zurich Aquila IL Over 5 Year Gilt Index 0.319 0.369 Zurich Aquila Japanese Equity Index 0.326 0.376 Zurich Aquila Over 15 Years UK Gilt Index 0.319 0.369 Zurich Aquila Pacific Rim Equity Index 0.330 0.380 Zurich Aquila UK Equity Index 0.319 0.369
Zurich Aquila US Equity Index 0.323 0.373 Zurich Fidelity UK Gilt 0.610 0.660 Zurich Aquila World ex UK Equity Index 0.325 0.375 Zurich Artemis Equity Income 1.061 1.111 Zurich Artemis Global Capital 1.100 1.150 Zurich Artemis UK Special Situations 1.050 1.100 Zurich Henderson Global Care Growth 1.165 1.215 Zurich Henderson UK Property 1.100 1.150 Zurich Henderson UK Smaller Companies 0.840 0.890 Zurich HSBC Amanah 0.590 0.640 Zurich Baillie Gifford 50/50 Worldwide Equity 0.740 0.790 Zurich Baillie Gifford Emerging Markets 1.030 1.080 Zurich Baillie Gifford Managed 0.740 0.790 Zurich Baillie Gifford UK Equity Alpha 0.850 0.900 Zurich Baillie Gifford UK Equity 0.760 0.810 Zurich Insight UK Broad Market Bond 0.590 0.640 Zurich Insight UK Govt Long Maturities Bond 0.560 0.610 Zurich Invesco Perpetual High Income 1.160 1.210 Zurich Investec Em Mkts Local Curr Debt 0.950 1.000 Zurich BlackRock DC Diversified Growth 0.950 1.000 Zurich BlackRock Sterling Liquidity 0.380 0.430 Zurich JPM All-Emerging Markets Equity 1.140 1.190 Zurich JPM Asia Equity 0.890 0.940 Zurich Deposit & Treasury 0.428 0.478 Zurich Deutsche Managed Sterling 0.390 0.440 Zurich Dimensional Emerging Markets Value 0.930 0.980 Zurich Dimensional Global Small Companies 0.890 0.940 Zurich JPM Balanced 0.640 0.690 Zurich JPM Continental Europe Equity 0.640 0.690 Zurich JPM Continental Europe Select Equity 0.890 0.940 Zurich JPM Diversified Equity 0.740 0.790 Zurich JPM Natural Resources 1.145 1.195 Zurich Equity Managed 0.661 0.711 Zurich JPM UK Equity 0.640 0.690 Zurich JPM UK Specialist Equity 0.640 0.690 Zurich Fidelity Diversified Growth 0.980 1.030 Zurich Jupiter Income 1.230 1.280 Zurich Fidelity Select Global Equity 1.180 1.230
Zurich L&G AAA-AA-A Corp Bonds All Stocks Ind 0.363 0.413 Zurich L&G Act Agg All Stocks (50:50) Fxd Int 0.515 0.565 Zurich L&G Asia Pacific (ex Japan) Dev Eq Ind 0.340 0.390 Zurich L&G Ethical Glbl Equity Ind 0.490 0.540 Zurich L&G Europe (ex UK) Equity Index 0.340 0.390 Zurich L&G Global Equity FW (50:50) Ind 0.340 0.390 Zurich L&G Global Equity FW (60:40) Ind 0.340 0.390 Zurich L&G Inflation Linked Pre Retirement 0.356 0.406 Zurich L&G Japan Equity Index 0.340 0.390 Zurich L&G Money Market 0.363 0.413 Zurich L&G North America Equity Index 0.340 0.390 Zurich L&G Over 15 Year Gilts Index 0.340 0.390 Zurich L&G Over 5 Year Indx Linked Gilts Index 0.340 0.390 Zurich L&G Pre-Retirement 0.355 0.405 Zurich L&G Property 1.010 1.060 Zurich L&G UK Equity Index 0.340 0.390 Zurich L&G UK Fixed Interest All Stocks 0.440 0.490 Zurich L&G UK Fixed Interest Over 15 Year 0.440 0.490 Zurich L&G World (ex UK) Equity Index 0.363 0.413 Zurich L&G World Emerging Markets Equity Index 0.640 0.690 Zurich Lazard European Alpha 0.820 0.870 Zurich Lazard Thematic Global 1.260 1.310 Zurich Long Dated Gilt 0.494 0.544 Zurich M&G All Stocks Corporate Bond 0.600 0.650 Zurich M&G Corporate Bond 0.950 1.000 Zurich M&G Global Leaders 1.180 1.230 Zurich Majedie UK Equity 1.061 1.111 Zurich Managed 0.656 0.706 Zurich Mercer Active Emerging Markets Debt 1.204 1.254 Zurich Mercer Active Emerging Markets Equity 1.273 1.323 Zurich Mercer Active Global Equity 1.050 1.100 Zurich Mercer Active Global Small Cap Equity 1.269 1.319 Zurich Mercer Active Low Volatility Equity 1.120 1.170 Zurich Mercer Active Money Market 0.380 0.430 Zurich Mercer Active UK Equity 0.987 1.037 Zurich Mercer Adventurous Retirement 0.545 0.595 Zurich Mercer Annuity Retirement 0.412 0.462 Zurich Mercer Cash Retirement 0.430 0.480 Zurich Mercer Cash Retirement CS3 0.410 0.460 Zurich Mercer Cautious Retirement 0.536 0.586 Zurich Mercer Defensive 0.471 0.521 Zurich Mercer Defensive Retirement 0.443 0.493 Zurich Mercer Diversified Growth 0.600 0.650 Zurich Mercer Diversified Retirement 0.540 0.590 Zurich Mercer Drawdown Retirement 0.550 0.600 Zurich Mercer Dynamic Retirement 0.626 0.676
Zurich Mercer Growth 0.524 0.574 Zurich Mercer High Growth 0.514 0.564 Zurich Mercer Inflation Linked Pre-Retirement 0.355 0.405 Zurich Mercer Moderate Growth 0.514 0.564 Zurich Mercer Passive Emerging Markets Equity 0.531 0.581 Zurich Mercer Passive Over 15 Year Gilt 0.319 0.369 Zurich Mercer Passive Over 5 Yrs Ind Link Gilt 0.319 0.369 Zurich Mercer Passive Overseas Equity 0.325 0.375 Zurich Mercer Passive Overseas Equity Hedged 0.374 0.424 Zurich Mercer Passive UK Corporate Bond 0.330 0.380 Zurich Mercer Passive UK Equity 0.319 0.369 Zurich Mercer Pre-Retirement 0.355 0.405 Zurich Mercer Target Annuity 2018 Retirement 0.440 0.490 Zurich Mercer Target Annuity 2019 Retirement 0.469 0.519 Zurich Mercer Target Annuity 2020 Retirement 0.498 0.548 Zurich Mercer Target Cash 2021 Retirement 0.511 0.561 Zurich Mercer Target Cash 2022 Retirement 0.517 0.567 Zurich Mercer Target Cash 2023 Retirement 0.520 0.570 Zurich Mercer Target Cash 2024 Retirement 0.594 0.644 Zurich Mercer Target Cash 2025 Retirement 0.524 0.574 Zurich Mercer Target Drawdown 2018 Retirement Zurich Mercer Target Drawdown 2019 Retirement Zurich Mercer Target Drawdown 2020 Retirement Zurich Mercer Target Drawdown 2021 Retirement Zurich Mercer Target Drawdown 2022 Retirement Zurich Mercer Target Drawdown 2023 Retirement Zurich Mercer Target Drawdown 2024 Retirement Zurich Mercer Target Drawdown 2025 Retirement 0.570 0.620 0.590 0.640 0.611 0.661 0.620 0.670 0.623 0.673 0.599 0.649 0.575 0.625 0.550 0.600 Zurich MFS Meridian Global Equity 0.940 0.990 Zurich MFS Meridian UK Equity 1.040 1.090 Zurich Mercer Target Annuity 2021 Retirement 0.535 0.585 Zurich Mercer Target Annuity 2022 Retirement 0.531 0.581 Zurich Mercer Target Annuity 2023 Retirement 0.529 0.579 Zurich Mercer Target Annuity 2024 Retirement 0.529 0.579 Zurich Mercer Target Annuity 2025 Retirement 0.527 0.577 Zurich Mercer Target Cash 2018 Retirement 0.448 0.498 Zurich Newton Global Balanced 0.800 0.850 Zurich Newton Global Equity 50/50 0.850 0.900 Zurich Newton Global Equity 0.840 0.890 Zurich Newton Higher Income 0.830 0.880 Zurich Newton Real Return 1.025 1.075 Zurich Mercer Target Cash 2019 Retirement 0.469 0.519 Zurich Mercer Target Cash 2020 Retirement 0.484 0.534 Zurich Property 0.841 0.891
Zurich R&M UK Equity Smaller Companies 1.180 1.230 Zurich Royal London Sterling Credit 0.642 0.692 Zurich Royal London Sterling Extra Yield Bond 1.130 1.180 Zurich Russell Emerging Markets Equity 1.310 1.360 Zurich Russell UK Equity 1.000 1.050 Zurich Russell World Equity 1.111 1.161 Zurich Threadneedle European 0.800 0.850 Zurich Threadneedle European Smaller Companies 1.135 1.185 Zurich Threadneedle Global Bond 0.688 0.738 Zurich Threadneedle Global Select 1.135 1.185 Zurich Threadneedle Japan 0.800 0.850 Zurich Threadneedle Latin America 0.820 0.870 Zurich Threadneedle Pension Property 0.940 0.990 Zurich Schroder Diversified Growth 0.980 1.030 Zurich Schroder Global Emerging Markets 1.210 1.260 Zurich Threadneedle UK Corporate Bond 0.575 0.625 Zurich Threadneedle UK Smaller Companies 1.125 1.175 Zurich Schroder Global Equity 0.830 0.880 Zurich Schroder Pacific 0.820 0.870 Zurich Schroder QEP Global Active Value 0.920 0.970 Zurich UK Equity 0.691 0.741 Zurich UK Preference & Fixed Interest 0.504 0.554 Zurich Schroder QEP Global Core 0.670 0.720 Zurich Schroder Strategic Credit 0.860 0.910 Zurich Standard Life Corporate Bond 0.600 0.650 Zurich Standard Life Global Abs Return Strats CS2 0.960 1.010 Zurich State Street Strategic Diversified 0.549 0.599 Zurich Stewart Investors Asia Pacific Leaders 1.090 1.140 Zurich Threadneedle American 0.790 0.840 Zurich Threadneedle American Smaller Companies 1.135 1.185 Zurich Threadneedle Asia 0.820 0.870 Zurich Threadneedle European Bond 0.920 0.970
Zurich Assurance Ltd. Registered in England and Wales under company number 02456671. Registered Office: The Grange, Bishops Cleeve, Cheltenham, GL52 8XX. Zurich is a trading name of Sterling ISA Managers Limited. Sterling ISA Managers Limited is registered in England and Wales under company number 02395416. Registered Office: The Grange, Bishops Cleeve, Cheltenham, GL52 8XX. WD714629054