INVESTOR PORTFOLIO SERVICE (IPS) IMPORTANT FUND INFORMATION. This guide gives you further information about each fund available from IPS and supports the Key Investor Information Document.
2 IMPORTANT FUND INFORMATION WHERE TO START. BEFORE YOU INVEST There are several important documents you should read to help you make your decision about investing: The Key Investor Information Document (KIID) gives you the key information you need to decide whether a fund is right for you. It s essential that you read the KIID carefully so you understand what you re buying. This Important Fund Information guide gives you information about the funds available and general risk information. The Investing with IPS brochure gives you detailed information about the investments we re offering and the IPS service. It s designed to help you make an informed decision about investing. Additionally, it gives you details on the Financial Services Compensation Scheme (FSCS), your cancellation rights and the complaints procedure. The Terms and Conditions that apply when you invest in a product with IPS. OTHER USEFUL INFORMATION You ll also find more fund information in the fund s factsheet and Prospectus. The Using IPS guide tells you about investing in funds and also how to make changes to your investment. The Platform Charge Explained document tells you more about the IPS Platform Charge. If you ve agreed to pay adviser charges the Guide to Facilitated Adviser Charges explains how we can facilitate payment of these for you. If you need a copy of these documents please contact your adviser or Customer Services. CONTACTING US There are different ways of getting in touch with us. Calling our UK Customer Services contact centre on: 0345 272 0089. We re open Monday to Friday 9am to 5.30pm. Call charges will vary. We may record and monitor calls. Investor Portfolio Service, PO Box 1112, Chelmsford, CM99 2UX
IMPORTANT FUND INFORMATION 3 INVESTMENT RISK. Investing in a fund always means putting your money at some sort of risk. Your attitude to risk is key to choosing which fund, or mix of funds, is suitable for you. A fund that is higher risk generally means the potential return from that fund is higher, but also that the potential to lose money is higher. A higher risk fund may also be more volatile, meaning the fund may rise and fall more frequently, and by larger amounts. A lower risk fund generally means a lower potential return, but with less risk of losing money. It is usually less volatile, meaning the fund value is usually less likely to rise and fall as frequently, or by as much. GENERAL INVESTMENT RISKS The Investing with IPS document lists the general investment risk that you should be aware of before you decide to invest. This risk applies to all funds. The effect of this risk will vary between funds, depending on how the fund invests. RISK AND REWARD PROFILE The risk and reward profile calculated by the fund manager is shown on the KIID as a number on a standard scale based on the potential risk and also the potential reward of a fund. It allows comparison across most European investment funds using standard calculations based on the of fund you re comparing. It shows the volatility in the performance of each fund, giving you an idea of how much risk you re exposed to and how much a fund can rise and fall in value. The risk and reward profile is split into seven sections, so you can find funds that meet the appropriate level of risk for you. However, it doesn t allow you to compare the relative risk of two funds within the same section. The calculation is based on the rate at which the value of the fund has moved up and down in the past five years. It s important you regularly review the funds you hold to make sure you re comfortable with the risk and the funds are still suitable for your investment objectives.
4 IMPORTANT FUND INFORMATION FUND INFORMATION NOT COVERED IN THE KEY INVESTOR INFORMATION DOCUMENTS. In this section you ll find information about the funds we offer that s not covered in the Key Investor Information Documents. For easy comparison, we ve put the funds into the order we ve rated their level of risk beginning with the lowest risk and ending with the highest risk. The information provided for each fund is as accurate and current as we can make it. For external funds we rely on the information provided by the company managing it. As such, we can t guarantee it s up to date. THE FUND INFORMATION HEADINGS EXPLAINED. UNIT OR SHARE TYPE AVAILABLE This tells you what s of units (for UTs) or shares (for OEICs) are available for the fund. ACC Accumulation units/shares These are designed to achieve capital growth by reinvesting any income received. INC Income units/shares These are designed to pay you an income. PRICING METHOD Whether a fund is Single or Dual priced when you buy and sell units and shares. This affects how the charges for the fund are taken when you buy and sell units and shares. DISTRIBUTION TYPE Whether a fund pays out Interest income or Dividend income. This affects how your investment is taxed. Please see the Tax section of Investing with IPS for more about interest and dividend income. CHARGES PAID FROM INCOME GENERATED OR CAPITAL Tells you whether the fund manager takes their charges from the income the fund generates or from its capital. FUND REBATE This tells you any rebate that you ll receive from the fund charge. DISTRIBUTION DATES FOR INCOME The dates in the year when we receive the income from income units or shares in the fund. If you hold accumulation units or shares in the fund, this date is for accounting purposes only. EX-DIVIDEND DATES FOR CALCULATING INCOME Also known as the XD date. Dates on which the fund manager bases their calculation of any income payable at a subsequent distribution date. Please see the KIID for each fund for information on charges. All funds have a valuation point of 12.00 noon unless stated otherwise. The valuation point is the time each business day when the fund manager works out the unit price of a fund based on the value of all its assets.
IMPORTANT FUND INFORMATION 5 Fund name Unit/share available Pricing method Distribution dates for income Ex-dividend (XD) dates for calculating income Distribution Charges paid from income generated or capital Fund rebate Legal & General Mixed Investment Acc, Inc Single 31/03, 30/09 31/01, 31/07 Dividend Income n/a 0 35% I Fund 2 Legal & General Sterling Corporate Bond Index I Trust Acc, Inc Dual 20/01, 20/04, 20/07, 20/10 20/11, 20/02, 20/05, 20/08 Interest Capital n/a Legal & General All Stocks Gilt Index I Trust Acc, Inc Single 25/01, 25/07 25/11, 25/05 Interest Capital n/a Legal & General Sterling Income I Trust Acc, Inc Single 13th of each month 15th of each month Interest Income n/a Legal & General Fixed Interest I Trust Acc, Inc Dual 05/02, 05/05, 05/08, 05/11 05/12, 05/03, 05/06, 05/09 Interest Income n/a Fidelity Strategic Bond Y Fund Acc, Inc Single 25th of each month 1st of each month Interest Income 0.10% Legal & General All Stocks Index Linked Gilt Index I Trust Acc, Inc Single 26/01, 26/07 26/05, 26/11 Interest Capital n/a Legal & General Managed Monthly Income I Trust Acc, Inc Dual 21st of each month 22nd of each month Interest Income n/a Legal & General Mixed Investment Acc, Inc Single 31/03, 30/09 31/01, 31/07 Dividend Income n/a 20 60% I Fund 2 Legal & General Distribution I Trust Acc, Inc Dual 14/06, 14/12 14/04, 14/10 Interest Income & Captial n/a Henderson Preference & Bond I Fund Acc, Inc Single 28/02, 30/05, 30/08, 30/11 01/01, 01/04, 01/07, 01/10 Interest Capital n/a
6 IMPORTANT FUND INFORMATION Fund name Unit/share available Pricing method Distribution dates for income Ex-dividend (XD) dates for calculating income Distribution Charges paid from income generated or capital Fund rebate Investec Cautious Managed I Fund Acc, Inc Single 28/02, 31/05, 31/08, 30/11 31/12, 31/03, 30/06, 30/09 Dividend Income 0.15% M&G Global High Yield Bond I Fund Acc, Inc Single Last working day of each month First working day of each month Interest Income 0.23% Legal & General High Income I Trust Acc, Inc Dual 05/02, 05/05, 05/08, 05/11 05/12, 05/03, 05/06, 05/09 Interest Income n/a Legal & General UK Property Feeder I Fund Acc, Inc Dual 28/01, 28/04, 28/07, 28/10 28/11, 28/02, 28/05, 28/08 Dividend Income n/a Kames High Yield Bond Fund B Acc, Inc Single Last day of each month First day of each month Interest Capital 0.15% Standard Life Investments Global Acc Single 31/07 31/03 Dividend Income n/a Absolute Return Strategies P1 Fund 1 Legal & General Mixed Investment Acc, Inc Single 31/05, 30/11 31/03, 30/09 Dividend Income n/a 40 85% I Fund 2 Threadneedle UK Equity Income Z Fund Acc, Inc Single 07/02, 07/05 07/08, 07/11 08/03, 08/06 08/09, 08/12 Dividend Capital 0.08% Newton Real Return B Fund Inc Single 28/02, 30/09 31/12, 30/06 Dividend Capital 0.32% Legal & General UK Equity Income I Trust Acc, Inc Dual 24/03, 24/06, 24/09, 24/12 24/01, 24/04, 24/07, 24/10 Dividend Capital n/a BNY Mellon Long Term Global Equity W Fund Acc, Inc Single 31/08 30/06 Dividend Income 0.10%
IMPORTANT FUND INFORMATION 7 Fund name Unit/share available Pricing method Distribution dates for income Ex-dividend (XD) dates for calculating income Distribution Charges paid from income generated or capital Fund rebate BlackRock UK Special Situations D Fund Acc, Inc Dual 30/04, 31/10 01/03, 01/09 Dividend Income n/a Legal & General UK Index I Trust Acc, Inc Dual 06/06, 06/12 06/04, 06/10 Dividend Income n/a M&G Global Dividend I Fund Acc, Inc Single 28/02, 31/05, 31/08, 30/11 03/01, 02/04, 02/07, 01/10 Dividend Capital 0.05% Newton Global Income I Fund Inc Single 28/02, 31/05, 31/08, 30/11 31/12, 31/03, 30/06, 30/09 Dividend Capital 0.40% Kames Ethical Equity B Fund Acc, Inc Single 30/11 01/08 Dividend Income n/a Legal & General International Index Acc, Inc Dual 06/06, 06/12 06/04, 06/10 Dividend Income n/a I Trust 2 Old Mutual UK Alpha R Fund Acc, Inc Single 31/05, 30/11 31/03, 30/09 Dividend Income 0.08% Legal & General Ethical I Trust Acc, Inc Dual 12/02, 12/08 12/12, 12/06 Dividend Income n/a Threadneedle Global Select Z Fund Acc Single 07/05 08/03 Dividend Income 0.08% Schroder UK Mid 250 Z Fund Acc, Inc Dual 30/09 01/08 Dividend Income n/a Lazard Emerging Markets I Fund Acc, Inc Single 31/05, 30/11 01/04, 01/10 Dividend Income 0.25% All funds have a valuation point of 12.00 noon unless stated below. 1 This fund has a valuation point of 7.30am. 2 This fund has a valuation point of 3pm.
Cofunds Limited Registered in England and Wales No. 3965289 Registered office: Level 43, The Leadenhall Building, 122 Leadenhall Street, London, EC3V 4AB We are authorised and regulated by the Financial Conduct Authority. W13624 03/17 H0032