Performance Data This booklet contains a number of different performance measures and time periods to help you assess the SPILA Funds fund range. The data used to arrive at the figures shown is provided by Morningstar. Included in the booklet you will find: Cumulative Performance Annualised Performance Discrete Performance this shows you the percentage increase or decrease in a fund's performance over a specified time frame. We show time periods of 1 month all the way to 10 years. this is effectively the cumulative performance of the fund converted into the average yearly growth. For example, if a fund has achieved 23.58% growth over the last 3 years, annualised performance will show 7.31% over the same period. This means the fund has effectively achieved a growth of 7.31% each year for the last 3 years. this is the cumulative performance but presented in 5 discrete 12 monthly periods, normally on a rolling quarterly basis and calendar year. It allows you to see how the fund has performed for each individual year over the last 5 years. The greater the variation in a fund s set of published unit prices the more 'volatile' the fund is and therefore potentially more risky. The less variation, the more consistent the fund is and generally speaking less risky. As with any performance data, the past is not necessarily a guide to the future. Just because a fund has performed consistently over the last 3 years doesn't mean it will do so again. We are not responsible for, and will not compensate your policy in relation to, the performance of underlying funds. Important: Performance statistics include the fund's own management charges, but excludes any RL360 product charges and is calculated in the asset currency, nav to nav, on a total return basis. Where no performance data is available a hyphen (-) will be shown. A bid/offer spread of 7% applies to new premium payments. Funds marked with a # are not available to Hong Kong policyholders. The Managed Funds Series 1 are not available to International Investment Portfolio policies, but the Managed Funds Series 2 are only available to International Investment Portfolio policies. The Global Technology Series 2 fund is only available to the Technology Bond. Risk Rating Ratings range between 1 and 5. 1 = lower risk, potentially lower reward, 5 = higher risk, potentially higher reward. For full details of the ratings for each fund and the methodology used please refer to the Scottish Provident International Funds Investment Fund Guide.
Cumulative Performance The following tables detail the cumulative performance of each fund in the SPILA Funds range up until 02 Apr 2018. For example the 1yr % figure is the percentage growth between 03 Apr 2017 and 02 Apr 2018. Currency/Money Market 1mth % 3mth % 6mth % 1yr % 3yr % 5yr % 10yr % EUR Deposit Acc EUR EUR GB0004022314 16 Sep 1991 0.00 0.00 0.00-0.11-0.11 0.28 2.89 GBP Deposit Acc GBP GBP GB0004022199 16 Sep 1991 0.00 0.04 0.09 0.13 0.48 0.88 5.04 USD Deposit Acc USD USD GB0004022207 16 Sep 1991 0.12 0.12 0.18 0.31 0.62 1.05 2.77 Equity - Asia Pacific excluding Japan Far East ex Japan Acc USD USD GB0007825465 02 Oct 1995-3.07-0.82 6.84 26.02 24.13 24.08 20.83 Equity - Emerging Markets Global Emerging Markets Acc USD USD GB0004437355 03 Aug 1998-3.80 0.48 7.47 25.09 27.01 18.38-3.66 Equity - Europe excluding UK European Equity Acc EUR EUR GB0004020599 16 Sep 1991-2.92-4.65-3.08 1.90-5.81 24.45 21.23 Equity - Global Global Growth Portfolio Acc GBP # GBP GB0004022421 09 Aug 1991-5.45-8.30-6.95-4.17 12.50 37.62 50.27 World Equity Acc USD USD GB0004020938 16 Sep 1991-3.37-4.48-2.14 8.78 7.42 27.98 6.72 Equity - North America North American Equity Acc USD USD GB0004020714 16 Sep 1991-5.63-6.03-3.16 3.66 11.80 42.68 56.32 Equity - Single Country Japan Growth Acc USD USD GB0007844128 02 Jan 1996 0.09 5.73 20.54 32.95 41.53 82.42 62.06 Equity - UK UK Blue Chip Acc GBP ('UK Prime Equity' for Hong Kong policyholders) GBP GB0007825028 02 Oct 1995-3.88-7.70-4.53-2.93 6.85 28.74 20.02 UK Equity Acc GBP GBP GB0004020821 16 Sep 1991-3.10-6.24 0.35 4.86 11.93 29.22 41.20 UK Mid Cap Acc GBP ('UK Equity Opportunities' for Hong Kong policyholders) Fixed Interest - Europe GBP GB0007844565 02 Jan 1996-0.84-5.15 0.80 9.28 14.45 44.84 96.21 European Bond Acc EUR EUR GB0004021019 16 Sep 1991 0.85 0.29 1.20 2.16 1.15 18.94 57.42 Fixed Interest - Global High Yield Bond Acc GBP GBP GB0004805619 05 Nov 1998-0.20-0.67-0.60 1.64 8.84 23.14 65.01 World Bond Acc USD USD GB0004021456 16 Sep 1991-0.16-2.01-1.78-2.76-6.58-12.10-9.59 Fixed Interest - Sterling UK Bond Acc GBP GBP GB0004021340 16 Sep 1991 1.29-0.86 1.11-0.19 6.78 16.57 58.09 Source : 2018 Morningstar. All Rights Reserved. Page 2 of 7
Cumulative Performance The following tables detail the cumulative performance of each fund in the SPILA Funds range up until 02 Apr 2018. For example the 1yr % figure is the percentage growth between 03 Apr 2017 and 02 Apr 2018. Fixed Interest - US 1mth % 3mth % 6mth % 1yr % 3yr % 5yr % 10yr % North American Bond Acc USD USD GB0004021233 16 Sep 1991 0.41-1.77-1.87 0.07 0.38 5.26 29.65 Global Managed Adventurous Managed S1 Acc GBP GBP GB0004021563 16 Sep 1991-3.38-4.51-0.37 2.01 14.16 28.15 45.21 Adventurous Managed S1 Acc USD USD GB0004021894 16 Sep 1991-4.10-4.94-2.45 7.13 8.75 32.91 21.28 Adventurous Managed S2 Acc GBP # GBP GB0007805400 03 Jun 1996-3.18-4.15 0.04 2.71 16.24 32.19 58.36 Adventurous Managed S2 Acc USD # USD GB0007805178 03 Jun 1996-3.83-4.53-2.08 7.26 9.83 34.90 26.69 Balanced Managed S1 Acc GBP GBP GB0004021670 16 Sep 1991-2.80-3.65-0.03 2.11 12.30 23.39 38.47 Balanced Managed S1 Acc USD USD GB0004021902 16 Sep 1991-3.61-4.56-2.46 3.72 6.28 24.50 30.15 Balanced Managed S2 Acc GBP # GBP GB0007805392 03 Jun 1996-2.65-3.39 0.32 2.74 14.17 26.93 50.79 Balanced Managed S2 Acc USD # USD GB0007950388 03 Jun 1996-3.36-4.16-2.05 4.10 7.59 27.00 37.24 Cautious Managed S1 Acc GBP GBP GB0004021787 16 Sep 1991-1.62-2.42-0.34 0.77 6.08 12.46 22.34 Cautious Managed S1 Acc USD USD GB0004022082 16 Sep 1991-2.61-3.91-2.08 2.53 4.89 17.79 33.94 Cautious Managed S2 Acc GBP # GBP GB0007805285 03 Jun 1996-1.51-2.20-0.06 1.32 7.70 15.34 31.37 Cautious Managed S2 Acc USD # USD GB0007950495 03 Jun 1996 0.00 0.05 0.24 3.15 6.51 20.82 42.13 Specialist China Opportunities Acc USD USD GB0007823643 02 Oct 1995-4.58-1.10 8.89 31.63 28.83 51.39 26.25 Global Technology S1 Acc USD USD GB0007824617 02 Oct 1995-2.95 7.24 18.63 41.15 69.54 124.48 162.01 Global Technology S2 Acc USD # USD GB0009553602 01 Jun 2000-2.71 7.12 18.07 39.74 69.37 126.22 169.58 India Acc USD # USD GB0007824385 02 Oct 1995-1.95-5.30 2.21 8.90 5.86 35.38 11.36 Source : 2018 Morningstar. All Rights Reserved. Page 3 of 7
Annualised Performance The following tables detail the annualised performance of each fund in the SPILA Funds range up until 02 Apr 2018. For example the 3yr % figure is the average annual percentage growth achieved between 03 Apr 2015 and 02 Apr 2018. We also provide the 5yr volatility. This is a statistical measurement using standard deviation and shows how widely a range of returns have varied from the fund's average return over a particular period. If a fund had an average return of 5% and its volatility was 15, this would mean that the range of its returns over the period had swung between +20% and -10%. Currency/Money Market 1yr % 3yr % 5yr % 10yr % 5yr Volatility EUR Deposit Acc EUR EUR GB0004022314 16 Sep 1991-0.11-0.04 0.06 0.29 0.09 GBP Deposit Acc GBP GBP GB0004022199 16 Sep 1991 0.13 0.16 0.18 0.49 0.07 USD Deposit Acc USD USD GB0004022207 16 Sep 1991 0.31 0.21 0.21 0.27 0.10 Equity - Asia Pacific excluding Japan Far East ex Japan Acc USD USD GB0007825465 02 Oct 1995 26.02 7.47 4.41 1.91 15.73 Equity - Emerging Markets Global Emerging Markets Acc USD USD GB0004437355 03 Aug 1998 25.09 8.30 3.43-0.37 16.20 Equity - Europe excluding UK European Equity Acc EUR EUR GB0004020599 16 Sep 1991 1.90-1.98 4.47 1.94 11.73 Equity - Global Global Growth Portfolio Acc GBP # GBP GB0004022421 09 Aug 1991-4.17 4.00 6.60 4.16 9.26 World Equity Acc USD USD GB0004020938 16 Sep 1991 8.78 2.42 5.06 0.65 11.54 Equity - North America North American Equity Acc USD USD GB0004020714 16 Sep 1991 3.66 3.79 7.37 4.57 12.46 Equity - Single Country Japan Growth Acc USD USD GB0007844128 02 Jan 1996 32.95 12.28 12.78 4.95 15.22 Equity - UK UK Blue Chip Acc GBP ('UK Prime Equity' for Hong Kong policyholders) GBP GB0007825028 02 Oct 1995-2.93 2.23 5.18 1.84 9.35 UK Equity Acc GBP GBP GB0004020821 16 Sep 1991 4.86 3.83 5.26 3.51 12.24 UK Mid Cap Acc GBP ('UK Equity Opportunities' for Hong Kong policyholders) Fixed Interest - Europe GBP GB0007844565 02 Jan 1996 9.28 4.60 7.69 6.97 12.49 European Bond Acc EUR EUR GB0004021019 16 Sep 1991 2.16 0.38 3.53 4.64 3.48 Fixed Interest - Global High Yield Bond Acc GBP GBP GB0004805619 05 Nov 1998 1.64 2.86 4.25 5.14 3.72 World Bond Acc USD USD GB0004021456 16 Sep 1991-2.76-2.24-2.55-1.00 3.65 Source : 2018 Morningstar. All Rights Reserved. Page 4 of 7
Annualised Performance The following tables detail the annualised performance of each fund in the SPILA Funds range up until 02 Apr 2018. For example the 3yr % figure is the average annual percentage growth achieved between 03 Apr 2015 and 02 Apr 2018. We also provide the 5yr volatility. This is a statistical measurement using standard deviation and shows how widely a range of returns have varied from the fund's average return over a particular period. If a fund had an average return of 5% and its volatility was 15, this would mean that the range of its returns over the period had swung between +20% and -10%. Fixed Interest - Sterling 1yr % 3yr % 5yr % 10yr % 5yr Volatility UK Bond Acc GBP GBP GB0004021340 16 Sep 1991-0.19 2.21 3.11 4.69 6.19 Fixed Interest - US North American Bond Acc USD USD GB0004021233 16 Sep 1991 0.07 0.12 1.03 2.63 3.38 Global Managed Adventurous Managed S1 Acc GBP GBP GB0004021563 16 Sep 1991 2.01 4.51 5.09 3.80 7.62 Adventurous Managed S1 Acc USD USD GB0004021894 16 Sep 1991 7.13 2.83 5.85 1.95 11.37 Adventurous Managed S2 Acc GBP # GBP GB0007805400 03 Jun 1996 2.71 5.14 5.74 4.70 7.47 Adventurous Managed S2 Acc USD # USD GB0007805178 03 Jun 1996 7.26 3.18 6.17 2.39 10.89 Balanced Managed S1 Acc GBP GBP GB0004021670 16 Sep 1991 2.11 3.94 4.29 3.31 6.37 Balanced Managed S1 Acc USD USD GB0004021902 16 Sep 1991 3.72 2.05 4.48 2.67 8.77 Balanced Managed S2 Acc GBP # GBP GB0007805392 03 Jun 1996 2.74 4.52 4.88 4.19 6.27 Balanced Managed S2 Acc USD # USD GB0007950388 03 Jun 1996 4.10 2.47 4.90 3.22 8.54 Cautious Managed S1 Acc GBP GBP GB0004021787 16 Sep 1991 0.77 1.99 2.38 2.04 4.15 Cautious Managed S1 Acc USD USD GB0004022082 16 Sep 1991 2.53 1.60 3.33 2.97 6.43 Cautious Managed S2 Acc GBP # GBP GB0007805285 03 Jun 1996 1.32 2.50 2.89 2.77 4.10 Cautious Managed S2 Acc USD # USD GB0007950495 03 Jun 1996 3.15 2.12 3.85 3.58 6.05 Specialist China Opportunities Acc USD USD GB0007823643 02 Oct 1995 31.63 8.81 8.65 2.36 18.44 Global Technology S1 Acc USD USD GB0007824617 02 Oct 1995 41.15 19.24 17.55 10.11 14.13 Global Technology S2 Acc USD # USD GB0009553602 01 Jun 2000 39.74 19.20 17.74 10.43 13.64 India Acc USD # USD GB0007824385 02 Oct 1995 8.90 1.91 6.25 1.08 19.10 Source : 2018 Morningstar. All Rights Reserved. Page 5 of 7
Discrete Performance The following tables detail the performance of each fund in the SPILA Funds range up until the end of March in 5 discrete years. Currency/Money Market Mar 18 - Mar 17 % Mar 17 - Mar 16 % Mar 16 - Mar 15 % Mar 15 - Mar 14 % EUR Deposit Acc EUR EUR GB0004022314 16 Sep 1991-0.11-0.06 0.06 0.06 0.33 GBP Deposit Acc GBP GBP GB0004022199 16 Sep 1991 0.13 0.13 0.22 0.22 0.18 USD Deposit Acc USD USD GB0004022207 16 Sep 1991 0.31 0.18 0.12 0.19 0.25 Equity - Asia Pacific excluding Japan Far East ex Japan Acc USD USD GB0007825465 02 Oct 1995 25.26 12.57-13.51 2.41-0.64 Equity - Emerging Markets Global Emerging Markets Acc USD USD GB0004437355 03 Aug 1998 25.29 13.88-13.36-4.95 0.76 Equity - Europe excluding UK European Equity Acc EUR EUR GB0004020599 16 Sep 1991 0.61 9.33-14.86 19.73 10.98 Equity - Global Global Growth Portfolio Acc GBP # GBP GB0004022421 09 Aug 1991-4.01 18.05-2.02 12.48 10.19 World Equity Acc USD USD GB0004020938 16 Sep 1991 7.94 3.16-4.58-0.36 20.88 Equity - North America North American Equity Acc USD USD GB0004020714 16 Sep 1991 2.44 13.14-3.77 10.92 15.33 Equity - Single Country Japan Growth Acc USD USD GB0007844128 02 Jan 1996 35.75 1.06 3.04 17.26 10.05 Equity - UK UK Blue Chip Acc GBP ('UK Prime Equity' for Hong Kong policyholders) GBP GB0007825028 02 Oct 1995-3.71 20.46-6.99 5.01 13.63 UK Equity Acc GBP GBP GB0004020821 16 Sep 1991 3.85 11.41-2.75 4.44 9.96 UK Mid Cap Acc GBP ('UK Equity Opportunities' for Hong Kong policyholders) Fixed Interest - Europe Mar 14 - Mar 13 % GBP GB0007844565 02 Jan 1996 9.35 10.13-4.04-1.51 27.25 European Bond Acc EUR EUR GB0004021019 16 Sep 1991 2.05-0.56-0.51 10.13 6.97 Fixed Interest - Global High Yield Bond Acc GBP GBP GB0004805619 05 Nov 1998 1.57 7.71-0.66 4.90 8.02 World Bond Acc USD USD GB0004021456 16 Sep 1991-2.61-0.64-3.44-4.10-1.92 Fixed Interest - Sterling UK Bond Acc GBP GBP GB0004021340 16 Sep 1991-0.71 6.76 0.43 12.20-2.40 Fixed Interest - US North American Bond Acc USD USD GB0004021233 16 Sep 1991 0.24 0.38-0.44 4.97 0.11 Source : 2018 Morningstar. All Rights Reserved. Page 6 of 7
Discrete Performance The following tables detail the performance of each fund in the SPILA Funds range up until the end of March in 5 discrete years. Global Managed Mar 18 - Mar 17 % Mar 17 - Mar 16 % Mar 16 - Mar 15 % Mar 15 - Mar 14 % Adventurous Managed S1 Acc GBP GBP GB0004021563 16 Sep 1991 0.95 17.50-4.42 9.10 3.61 Adventurous Managed S1 Acc USD USD GB0004021894 16 Sep 1991 6.19 6.24-4.43 3.17 19.49 Adventurous Managed S2 Acc GBP # GBP GB0007805400 03 Jun 1996 1.67 17.82-3.64 9.75 4.35 Adventurous Managed S2 Acc USD # USD GB0007805178 03 Jun 1996 6.33 6.42-3.69 3.57 19.51 Balanced Managed S1 Acc GBP GBP GB0004021670 16 Sep 1991 1.23 14.52-3.79 7.57 2.84 Balanced Managed S1 Acc USD USD GB0004021902 16 Sep 1991 2.94 6.79-3.72 4.10 13.02 Balanced Managed S2 Acc GBP # GBP GB0007805392 03 Jun 1996 1.87 14.83-3.09 8.16 3.52 Balanced Managed S2 Acc USD # USD GB0007950388 03 Jun 1996 3.33 7.01-3.07 4.52 13.37 Cautious Managed S1 Acc GBP GBP GB0004021787 16 Sep 1991 0.27 8.52-2.83 5.18 1.12 Cautious Managed S1 Acc USD USD GB0004022082 16 Sep 1991 1.99 5.86-3.17 4.73 7.59 Cautious Managed S2 Acc GBP # GBP GB0007805285 03 Jun 1996 0.83 8.96-2.28 5.70 1.64 Cautious Managed S2 Acc USD # USD GB0007950495 03 Jun 1996 2.60 6.30-2.64 5.23 8.13 Specialist China Opportunities Acc USD USD GB0007823643 02 Oct 1995 30.66 15.55-19.03 16.35 6.43 Global Technology S1 Acc USD USD GB0007824617 02 Oct 1995 40.71 26.32-5.61 11.28 20.24 Global Technology S2 Acc USD # USD GB0009553602 01 Jun 2000 39.44 26.09-4.66 11.88 20.63 India Acc USD # USD GB0007824385 02 Oct 1995 8.65 9.25-12.21 26.46 2.73 Mar 14 - Mar 13 % Source : 2018 Morningstar. All Rights Reserved. Page 7 of 7
Important Information The figures in this booklet have been prepared for information purposes only and are not an invitation to purchase a fund on the basis of the data given. RL360 does not provide investment advice and does not recommend the use of any fund manager or investment fund detailed within this booklet. Before selecting funds for your policy you should read the product's most recent Fund Guide (where one is available), and also read the supporting materials made available by the fund manager for your chosen funds. These will commonly detail how the fund is structured, how it is performing, the make up of its underlying assets and other important information. The final responsibility for fund selection lies with you and your adviser. If the funds selected for your policy reduce in value, this will reduce your policy value and RL360 will not compensate you as a result. Where you invest in funds that are denominated in a currency different to that of your policy, the investment returns will be subject to currency risk. Where the provider of a fund linked to your policy becomes insolvent or is unable to meet its liabilities for any reason, your policy will suffer the loss. The funds linked to your policy value will be owned wholly by RL360 and in most cases, as we are a corporate investor, you will not be eligible for compensation under investment compensation schemes. All underlying data is provided by Morningstar and RL360 cannot be held responsible for the accuracy of the information provided. Issued by RL360 Insurance Company Limited. Incorporated in the Isle of Man with limited liability. Registered Office: RL360 House, Cooil Road, Douglas, Isle of Man, IM2 2SP, British Isles. Telephone: +44 (0)1624 681681. Telephone calls may be recorded. Website: www.rl360.com. This website contains products that are not authorised in Hong Kong and are not available to Hong Kong investors. The appointed representative in Hong Kong is RL360 Insurance Company Limited s Branch office: RL360 Insurance Company Limited, Suite 3605, The Center, 99 Queen s Road Central, Hong Kong. RL360 Insurance Company Limited is authorised by the Isle of Man Financial Services Authority. Registered in the Isle of Man number 053002C and in Hong Kong number F9136.