MyFolio Market Keeping your investments on track

MyFolio Market Keeping your investments on track

Contents 01 Keeping your investments on track 02 MyFolio Market five individual risk levels 03 Typical asset allocations 04 Why should you choose MyFolio Market? 07 Want to know your attitude to risk? 08 Why you can count on Standard Life

Keeping your investments on track Whatever you re investing for choosing the right fund can often be a difficult decision to make. MyFolio Market funds can help make that decision a little easier. With only five funds to choose from you pick the one that suits your attitude to risk. There are five risk based funds - MyFolio Market I is the lowest risk and MyFolio Market V is the highest risk. The funds invest in a diversified range of assets such as equities, fixed interest, property and money market instruments (including cash). These investments are managed mainly on a passive basis. For more detail on each of these funds see the MyFolio Market fund factsheets on www.standardlife.ie i Passive investing is when the fund manager aims to replicate (or track) the performance of a stock market index. With active investing, the fund manager aims to outperform a particular benchmark or market index. Potential reward I II III Risk IV V This graph is for illustration purposes only. It shows you when it comes to investing, the more risk you take, the greater the potential reward. The performance of each MyFolio Market fund is dependant on the performance of the underlying assets. These funds may not perform in the same manner as shown on the graph. Warning: If you invest in these funds you may lose some or all of the money you invest. MyFolio Market Keeping your investments on track 01

MyFolio Market five individual risk levels This may suit you best if: MyFolio Market I (low risk) MyFolio Market II (lower-to-medium risk) MyFolio Market III (medium risk) MyFolio Market IV (medium-to-higher risk) MyFolio Market V (higher risk) You re conservative with your investments You re prepared to take a small amount of risk to achieve modest or relatively stable returns You also accept there may be some short term periods of fluctuation in value You re cautious with your investments You want to try and achieve a reasonable return and you re prepared to accept some risk in doing so You also accept relatively modest yet frequent fluctuations in value You take a balanced view of investment risk You re prepared to accept fluctuations in the value of your investments to try and achieve better long-term returns You don t seek risky investments but don t avoid them either You re comfortable with investment risk You re aiming for higher long-term returns and understand this can also mean sustained periods of poor performance You re prepared to accept significant fluctuations in value to try and achieve better long-term returns You re very comfortable with investment risk You aim for high long-term investment returns and do not overly worry about periods of poorer performance in the short-to-medium term You re prepared to accept the full extent and frequency of stock market fluctuations 02 MyFolio Market Keeping your investments on track

Typical asset allocations MyFolio Market funds Typical asset allocations* 5% 1% 5% 4% 13% 12% V 89% 10% 11% IV Potential rewards 32% 6% 52% 11% III 27% 71% II 19% 4% 17% 51% Money Market instruments (including cash) I Bonds Equities 60% Property Risk * For illustration purposes only Warning: The value of your investment may go down as well as up. Warning: This investment may be affected by changes in currency exchange rates. MyFolio Market Keeping your investments on track 03

Why should you choose MyFolio Market? Simplify your fund choice: With so many funds to choose from, choosing the right one can be daunting. With only five MyFolio Market funds this makes your choice a lot simpler. Diversification: These multi-asset funds invest in a broad range of assets. This helps to spread your risk. Monitored, reviewed and rebalanced for you: The assets in these funds will all perform differently at different times. So, each fund is regularly monitored, reviewed and rebalanced to ensure they continue to match your attitude to risk. About the fund managers Vanguard manage the passive investments in MyFolio Market. They are one of the world s largest investment companies and were selected by us for their expertise in passive investing. Standard Life Investments manage the active investments in MyFolio Market. Based in Edinburgh, they are global active fund managers employing more than 1,000* talented professionals. *Source: Standard Life Investments 30 June 2013 Choice of risk level: As there are five different risk levels to choose from, if your attitude towards risk or your circumstances change, you can simply switch to another fund that offers a higher or lower level of risk. Ease of access: These funds are priced daily and are available across a range of our pensions, savings and investment products. 04 MyFolio Market Keeping your investments on track

MyFolio Market Keeping your investments on track 05

06 MyFolio Market Keeping your investments on track MyFolio Market keeping your investments on track Choose a fund that has the level of risk you re comfortable with.

Want to know your attitude to risk? To know what is the right fund for you, you need to consider your personal circumstances and know what level of risk you re comfortable with. In conjunction with Oxford Risk Research and Analysis (ORRA), we ve developed a Risk Questionnaire to help you find out what your attitude to risk is. Your financial adviser can bring you through this Risk Questionnaire, or go to standardlife.ie and complete it online. MyFolio Market Keeping your investments on track 07

Why you can count on Standard Life It s difficult to choose the right company to invest your money with. So why choose Standard Life? You benefit from Standard Life s experience: Operating in Ireland since 1834, we have been trusted by generations of Irish customers to manage their long-term savings and investments. You benefit from Standard Life s choice and flexibility: We have a range of pension, savings and investment products available from Standard Life. You policy s protected by the UK s financial services compensation scheme: Standard Life in Ireland operates as a branch of our UK parent company. This means any policies taken out since 1 December 2001 are covered by the UK s Financial Services Compensation Scheme (FSCS) in the event that Standard Life is in default. So if you invest in a Standard Life pension or investment policy, 90% of the claim is covered with no upper limit. There is no equivalent Irish compensation scheme. For information on the FSCS cover on investment options through the Synergy product range, see Your policy is protected (FSCSFAQ). (01) 639 7080 For more information on MyFolio Market and our other range of MyFolio funds MyFolio Active, please talk to your financial adviser or contact us Monday to Friday, 9am to 5pm. Calls may be monitored and/or recorded to protect both you and us and help with our training. Call charges will vary. 08 MyFolio Market Keeping your investments on track

Pensions Savings Investments Find out more Call us on (01) 639 7080 (Mon Fri, 9am to 5pm). Calls may be monitored and/or recorded to protect both you and us and help with our training. Call charges will vary. www.standardlife.ie Standard Life Assurance Limited is authorised by the Prudential Regulation Authority in the UK and is regulated by the Central Bank of Ireland for conduct of business rules. Standard Life Assurance Limited is registered in Dublin, Ireland (905495) at 90 St Stephen s Green, Dublin 2 and Edinburgh, Scotland (SC286833) at Standard Life House, 30 Lothian Road, Edinburgh EH1 2DH. SYMFM10 V1 0114 2014 Standard Life, images reproduced under licence