Individual Savings Account Fund menu

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1 Individual Savings Account Fund menu This fund menu lists all the funds available on our Individual Savings Account (ISA). Your financial adviser will be able to help you choose the right combination of funds to suit your investment requirements and individual circumstances, all at a level of investment risk that you are comfortable taking. Please note your financial adviser may charge you for this service. The value of your Individual Savings Account is and can go up and down. You could get back less than you ve paid in. Investing with Friends Life Friends Life has historically provided a wide range of funds to meet a wide range of investment needs. We also have a selection of externally managed funds from many of the industry s leading fund management groups. We have selected investment partners who we believe diversify and enhance our range of funds. Your approach to investment risk The following key will help you understand the different of risk you can take when investing your money. Only you will know how much risk you are prepared to take, but you should remember that even if you choose to take a relatively low level of investment risk, your money could buy you less in the long term because of the rise in the cost of living. Risk band High + High Medium Medium Low + Low Your approach to investment risk As a very adventurous investor, you will accept much higher risk for the prospect of much higher returns You re an adventurous investor willing to accept high risk for the prospect of high returns As an adventurous investor you will accept above-average but below high risk for the prospect of high returns You prefer a balanced approach to investment and are willing to accept above-average risk in the hope of higher returns You prefer a balanced approach to investment and are willing to accept average risk to achieve more attractive returns You will accept below-average risk to achieve more attractive returns Although a cautious investor, you re prepared to accept low of risk for the prospect of slightly higher returns You re a very cautious investor and are willing to take a minimal amount of risk only Please note These investment risk bands are based on our interpretation of investment risk and are only meant as a guide. These of investment risk are and may change in the future. The colours in this table may be different to those used online, however, the bands and approach to investment risk remain the same.

2 Fund risk warnings There are associated with investing in funds, or types of funds. In this document we show which risk warning or warnings apply to each fund. These are all explained below. Please note that not all of these warnings apply to each fund and there is no direct relationship between the number of fund risk warnings and the investment risk banding for each fund shown on the previous page. Risk warning type Investment is Price Suspend Income Currency Emerging Smaller Fixed Specialist Derivatives Cash Direct Stock Index Property High cash Risk warning code A B C D E F G H I J K L M N O P Risk warnings The value of an investment is and can go up and down depending on performance. You could get back less than you have paid in. At times, a fund may need to change the way its price is calculated, to ensure that those moving into and out of the fund are treated fairly. This can have a negative effect on a fund s price and performance. Fund managers have the ability, in exceptional circumstances, to suspend in their funds for as long as necessary. When this occurs we will need to delay the cashing in or switching of units in the relevant fund. You may not be able to access your money during this period. Where a fund aims to generate an income, we reinvest any income back into the fund to increase the value of the units. Where a fund invests overseas, the value can go up and down simply because of changes in currency exchange rates. Where a fund invests in emerging it is likely to be more volatile than one that invests in developed. These can be unstable and less liquid, so the fund may carry more risk. Some funds invest in the shares of smaller. These shares can be more volatile and less liquid than larger company shares, so the fund may carry more risk. Where a fund invests in fixed, such as company or government bonds, the value may go up and down as rates change. If rates rise, the value is likely to fall. Some high yielding bonds are known as junk bonds. These carry an increased risk that the issuer of the bond will be unable to continue the payments or return the capital at maturity. Funds that invest in specific industry sectors may carry more risk than those spread across several sectors. These funds can be more volatile and higher risk due to their limited exposure. Derivatives are complex and funds that use them for investment purposes may be more volatile. These funds are considered to be higher risk than funds that invest only in shares. Cash funds are not cash deposit accounts and can fall in value. In a low rate environment the charges applied to the fund may be greater than its return, so you may not get back all of your original investment. Property funds mainly invest in commercial properties which are not easy to sell. In exceptional circumstances, we may need to delay the cashing in or switching of units in the fund. You may not be able to access your money during this period. Where a fund is involved in the temporary transfer of, there is always the risk that the borrower may not be able to return the security to its owner. This may have a negative effect on the performance of the fund. Where a fund invests in index bonds, the value may go up and down as the rate of inflation changes. If inflation falls, the value is likely to fall. Some funds invest in the shares of investment trusts, which may own commercial and residential properties. Property investment trusts are stock market listed, and their shares can be affected by the performance of global stock. Due to the way some funds are managed there may be periods when they have large cash holdings. This can be a deliberate asset allocation decision or while suitable investment opportunities are researched and selected. A fund s growth potential may be less during this period. 2

3 Fund range The table below shows the funds available through the Individual Savings Account. We have listed the funds by their risk rating and have included their annual management charge (AMC) and additional expenses to help you compare them. Risk band Fund Fund type AMC Fund expenses change over time. The figures shown are as at 31 December Please contact us for the upto-date figures. Additional expenses High + FL First State Global Emerging Markets Leaders ISA International equity 2.00% 0.10% 4 High + FL JPM Natural Resources ISA International equity 2.00% 0.20% 4 High FL First State Asia Pacific Leaders ISA International equity 2.00% 0.10% 4 FL BlackRock UK Special Situations ISA UK equity 2.00% 0.20% 4 FL European ISA International equity 1.25% 0.05% 4 FL Invesco Perpetual Japan ISA International equity 2.00% 0.20% 5 FL Investec UK Smaller Companies ISA UK equity 1.65% 0.15% 5 FL North American ISA International equity 1.25% 0.05% 5 FL Artemis Income ISA UK equity 2.00% 0.05% 5 FL BlackRock UK Dynamic ISA UK equity 2.00% 0.20% 5 FL Invesco Perpetual High Income ISA UK equity 2.00% 0.20% 5 FL Investec UK Blue Chip ISA UK equity 1.75% 0.15% 6 FL Stewardship ISA UK equity 1.25% 0.05% 6 FL Stewardship Income ISA UK equity 1.25% 0.05% 6 FL Stewardship International ISA International equity 1.25% 0.00% 6 FL Thames River Equity Managed ISA Managed 1.50% 0.90% 6 FL Threadneedle Global Select ISA International equity 2.00% 0.20% 7 FL UK Equity ISA UK equity 1.25% 0.05% 7 Medium FL Managed ISA Managed 1.25% 0.00% 7 Medium FL Stewardship Managed ISA Managed 1.25% 0.05% 7 Medium FL Thames River Distribution ISA Managed 1.50% 0.75% 7 Medium FL F&C Strategic Bond ISA Fixed 1.50% 0.95% 7 Medium FL Kames Ethical Corporate Bond ISA Fixed 1.65% 0.10% 8 Medium FL Invesco Perpetual Corporate Bond ISA Fixed 1.75% 0.20% 8 Medium FL Invesco Perpetual Distribution ISA Managed 1.90% 0.20% 8 Medium FL Invesco Perpetual Global Bond ISA Managed 1.75% 0.20% 8 Medium FL Investec Cautious Managed ISA Managed 2.00% 0.15% 8 Low + FL Fixed Interest ISA Fixed 1.25% 0.05% 9 Low + FL Index Linked ISA Fixed 1.25% 0.05% 9 Low + FL JPM Cautious Total Return ISA Managed 1.88% 0.20% 9 Low + FL M&G Feeder of Property Portfolio ISA Property 1.90% 0.15% 9 Page 3

4 Funds FL First State Global Emerging Markets High + Leaders ISA First State states the investment objective is to achieve long-term capital growth. The investment policy is to invest worldwide in large and mid capitalisation equities in emerging economies, including those of listed on developed market exchanges whose activities predominantly take place in emerging market countries. First State provides clarification by stating the fund will at all times be invested in accordance with its investment policy and therefore at least two thirds of the fund s total assets will at all times be invested worldwide in equities and equity type issued by large and mid capitalisation incorporated in emerging economies or having a predominant part of their activities in emerging economies. Large and mid capitalisation typically refers to equities with a minimum market capitalisation of US$1 billion and a minimum free float of US$500 million. Emerging economies are defined as economies which are included in the MSCI Emerging Markets Free Index or which are categorised by the World Bank as middle or low-income or which are not members of the Organisation for Economic Co-operation and Development. Any direct investment in derivatives will be for the purpose of efficient portfolio management or risk reduction. Risk warnings A, B, C, E, F, M FL JPM Natural Resources ISA High + JPMorgan states the investment objective and policy of the fund is to invest primarily in the shares of throughout the world engaged in the production and marketing of commodities. The fund aims to provide capital growth over the long term. Any direct investment in derivatives will be for the purpose of efficient portfolio management or risk reduction. Risk warnings A, B, C, E, F, G, I, M FL First State Asia Pacific Leaders ISA High First State states the investment objective is to achieve long-term capital growth. The investment policy is to invest in large and mid capitalisation equities in the Asia Pacific region (excluding Japan, including Australasia). First State provides clarification by stating the fund will at all times be invested in accordance with its investment policy and therefore at least two thirds of the fund s total assets will at all times be invested in equities and equity type issued by large and mid capitalisation which are established or having a predominant part of their economic activities in the Asia Pacific region (excluding Japan, including Australasia). Large and mid capitalisation typically refers to equities with a minimum market capitalisation of US$1 billion and a minimum free float of US$500 million. Australasia refers to Australia, New Zealand and other South East Asian countries. Any direct investment in derivatives will be for the purpose of efficient portfolio management or risk reduction. Risk warnings A, B, C, E, F, M FL BlackRock UK Special Situations ISA BlackRock states the aim of the fund is to achieve long-term capital growth for investors. The fund invests primarily in the shares of incorporated or listed in the UK and will normally have an emphasis on small or medium sized. The fund may also invest in collective investment schemes. Small and medium sized are those whose market capitalisation is lower than that of in the FTSE 100 Index at the time of the fund s investment. Any direct investment in derivatives will be for the purpose of efficient portfolio management or risk reduction. Risk warnings A, B, C, E, G, M FL European ISA The fund aims for capital growth by investing in any European stockmarket except the UK. Although the bulk of investment will take place in the major, the fund manager believes that the smaller also offer ing opportunities from time to time and should be represented in the fund. The fund mainly invests in equities, but there may be periods when European fixed are an attractive investment for part of the portfolio. The fund may invest indirectly through other permitted investment vehicles. Any direct investment in derivatives will be for the purpose of efficient portfolio management and risk reduction. Risk warnings A, B, C, E, F, G, H, M, P 4

5 FL Invesco Perpetual Japan ISA Invesco Perpetual states the fund aims to achieve capital growth in Japan. The fund intends to invest primarily in shares of in Japan, although it may include other Japanese related investments. In pursuing this objective, the fund managers may include investments that they consider appropriate which include transferable, money market instruments, warrants, collective investment schemes, deposits and other permitted investments and transactions. Any direct investment in derivatives will be for the purpose of efficient portfolio management or risk reduction. Risk warnings A, B, C, E, G, M FL Investec UK Smaller Companies ISA Investec states the fund aims to achieve long-term capital growth primarily through investment in equities issued by UK smaller and in derivatives the underlying assets of which are equities issued by UK smaller. UK Smaller Companies are those that are constituents of the Hoare Govett Small Cap plus AIM (excluding Investment Trusts) Index. The mix of industries and economic sensitivities are driven by different dynamics leading to performance that is often uncorrelated with the large capitalisation market. The fund may also invest, at the Authorised Corporate Director s discretion, in other transferable, cash and near cash (which includes money market instruments and deposits) and other exchange traded and over the counter derivatives and forward transactions for investment purposes. Using these investment powers for investment purposes means, in particular, maintaining positions in these investments for the long term rather than just for tactical short term purposes. Use may be made of stock and borrowing and other investment techniques permitted in the Financial Services Authority Rules. Furthermore up to 5% in value of the of this fund may be invested in units or shares in other collective investment schemes. Direct investment in derivatives will also be ffor the purpose of efficient portfolio management or risk reduction. Risk warnings A, B, C, E, G, J, M FL North American ISA The objective of the fund is capital growth and income from investing mainly in ordinary shares in the US and Canada. The fund will invest in a well-balanced spread of ordinary shares in the US and Canada. The fund may use traded options and other derivative products and may engage in currency hedging activities in accordance with the relevant regulations. The fund may also hold convertible stocks and cash where appropriate. The fund may invest indirectly through other permitted investment vehicles in accordance with its investment powers. Any direct investment in derivatives will be for the purpose of efficient portfolio management or risk reduction. Risk warnings A, B, C, D, E, G, M FL Artemis Income ISA Artemis states the objective of the fund is to achieve a rising income combined with capital growth from a portfolio primarily made up of investments in the UK. The Manager actively manages the portfolio in order to achieve the objective with exposure to ordinary shares, preference shares, convertibles and fixed. The Manager will not be restricted in respect of choice of investments either by company size or industry, or in terms of the geographical split of the portfolio. The fund may also invest in other transferable, units of collective investment schemes, money market instruments, warrants, cash and near cash, derivatives and forward transactions and other investments to the extent that each is permitted by the Regulations. Direct investment in derivatives will also be for the purpose of efficient portfolio management or risk reduction. Risk warnings A, B, C, D, E, F, G, H, J, M, N FL BlackRock UK Dynamic ISA BlackRock states the objective is to achieve long-term capital growth for investors. The fund invests primarily in the shares of incorporated or listed in the UK which BlackRock consider exhibit either growth or value investment characteristics, placing an emphasis as the market outlook warrants. The fund may also invest in collective investment schemes. Any direct investment in derivatives will be for the purpose of efficient portfolio management or risk reduction. Risk warnings A, B, C, E, G, M FL Invesco Perpetual High Income ISA Invesco Perpetual states the fund aims to achieve a high level of income, together with capital growth. The fund intends to invest primarily in listed in the UK, with the balance invested internationally. In pursuing this objective, the fund managers may include investments that they consider appropriate which include transferable, money market instruments, warrants, collective investment schemes, deposits and other permitted investments and transactions. Any direct investment in derivatives will be for the purpose of efficient portfolio management or risk reduction. Risk warnings A, B, C, D, E, G, H, M 5

6 FL Investec UK Blue Chip ISA Investec states the fund aims to achieve long-term capital growth primarily through investment in the equities issued by the constituents of the FTSE 350 Index and in derivatives the underlying assets of which are equities issued by the constituents of the FTSE 350 Index. Blue chip are highly capitalised, well established with substantial market positions in the sector of the economy in which they operate. The fund may also invest, at the Authorised Corporate Director s discretion, in other transferable, cash and near cash (which includes money market instruments and deposits) and other exchange traded and over the counter derivatives and forward transactions for investment purposes. Using these investment powers for investment purposes means, in particular, maintaining positions in these investments for the long term rather than just for tactical short term purposes. Use may be made of stock and borrowing and other investment techniques permitted in the Financial Services Authority Rules. Furthermore up to 5% in value of the of this fund may be invested in units or shares in other collective investment schemes. Direct investment in derivatives will also be for the purpose of efficient portfolio management or risk reduction. Risk warnings A, B, C, J, M FL Stewardship ISA The fund provides an investment medium for people who do not regard financial gain as the sole criterion for investment but look to wider issues. Investment is concentrated in UK whose products and operations are considered to be of long-term benefit to the community both at home and abroad, with the aim of achieving long-term capital growth and increasing income, with the emphasis on capital growth. The fund may invest indirectly through other permitted investment vehicles in accordance with its investment powers. Any direct investment in derivatives will be for the purpose of efficient portfolio management and risk reduction. Risk warnings A, B, C, D, E, G, I, M, O, P FL Stewardship Income ISA The fund s investment is concentrated in UK whose products and operations are considered to be of long-term benefit to the community both at home and abroad, and will generally exclude those considered to be involved with harmful products and practices or which trade extensively with oppressive regimes. Securities are chosen with the aim of achieving an above average and increasing income with the prospect of capital growth. The fund may invest indirectly through other permitted investment vehicles in accordance with its investment powers. Any direct investment in derivatives will be for the purpose of efficient portfolio management or risk reduction. Risk warnings A, B, C, D, E, G, H, I, M, O, P FL Stewardship International ISA The fund s investment is concentrated in in any market whose products and operations are considered to be making a positive contribution to society and seeks to avoid which, on balance, are felt to be harming the world, its people, or its wildlife. The portfolio is chosen with the aim of achieving long-term capital growth. The fund may invest indirectly through other permitted investment vehicles in accordance with its investment powers. Any direct investment in derivatives will be for the purpose of efficient portfolio management and risk reduction. Risk warnings A, B, C, E, F, G, I, M FL Thames River Equity Managed ISA Thames River states the fund s investment objective is to achieve capital growth. The fund will seek to achieve its investment objective primarily through investment in shares or units of regulated and/or unregulated collective investment schemes and/or closed ended funds. This may include schemes or funds managed by the Authorised Corporate Director and/or an associate. The fund may also invest directly in transferable, money market instruments, warrants, deposits, near cash and cash. Liquid instruments may be held both for investment purposes and for other purposes permitted under the Regulations. The fund may utilise derivatives for hedging and efficient portfolio management purposes and as part of its investment policy. In seeking to achieve its investment objective and policy, the exposure of the fund directly or indirectly to equities and equity related investments (including for these purposes convertible ) is currently up to 100% of the fund with at least a 10% exposure maintained in non-uk Equities. Risk warnings A, B, C, E, F, G, J, M 6

7 FL Threadneedle Global Select ISA Threadneedle states the investment objective is to achieve above average capital growth. The investment policy is to invest the assets of the fund primarily in equities issued by worldwide. The portfolio may be concentrated geographically or with respect to stock and sector positions, which may lead to increased of volatility. If the Authorised Corporate Director considers it desirable, it may further invest in other (including fixed, other equities and money market ). Any direct investment in derivatives will be for the purpose of efficient portfolio management or risk reduction. Risk warnings A, B, C, D, E, F, G, H, M FL Stewardship Managed ISA Medium The fund aims to provide exposure to a diversified portfolio of ethically screened assets in order to produce capital growth and income. The ethical screening criteria of the fund will mean that its investments are more restricted than a non-ethical fund. It may invest in equities, warrants, bonds, convertibles, money market instruments, cash and near cash assets such as deposits and certificates of deposit. The fund may invest directly or indirectly. Risk warnings A, B, C, D, E, F, G, H, I FL UK Equity ISA The fund aims to achieve capital growth by mainly investing in UK listed equities. It may also invest in other equities, warrants, convertibles, derivatives, money market instruments, cash and near cash assets such as deposits and certificates of deposit. The fund may invest directly or indirectly. Any direct investment in derivatives will be for the purpose of efficient portfolio management and risk reduction. Risk warnings A, B, C, G, J FL Managed ISA Medium The fund aims to provide exposure to a diversified portfolio of assets in order to produce capital growth and income. It will mainly be invested in equities and bonds. It may also invest in warrants, convertibles, money market instruments, cash and near cash assets such as deposits and certificates of deposit, commodities, private equity, hedge funds, derivatives, other alternative asset classes, and. The fund may invest directly or indirectly. Any direct investment in derivatives will be for the purpose of efficient portfolio management and risk reduction. Risk warnings A, B, C, D, E, F, G, H, I, J, L, N, O FL Thames River Distribution ISA Medium Thames River states the fund s investment objective is to achieve a total return with an emphasis on income together with some capital growth. The fund will seek to achieve its investment objective primarily through investment in shares or units of regulated and/or unregulated collective investment schemes and/or closed ended funds. This may include schemes or funds managed by the Authorised Corporate Director and/or an associate. The fund may also invest directly in transferable, money market instruments, warrants, deposits, near cash and cash. Liquid instruments may be held both for investment purposes and for other purposes permitted under the Regulations. The fund may utilise derivatives for hedging and efficient portfolio management purposes and as part of its investment policy. In seeking to achieve its investment objective and policy, the exposure of the fund directly or indirectly to equities and equity related investments (including for these purposes convertible ) is currently restricted, in respect of up to 60% of the fund with at least a 30% exposure maintained in fixed instruments, and cash. Risk warnings A, B, C, D, E, F, G, H, J, M, O, P FL F&C Strategic Bond ISA Medium F&C states the fund aims to produce a high income by investing in corporate bonds and other fixed. The fund may invest indirectly through other permitted investment vehicles in accordance with its investment powers. Any direct investment in derivatives will be for the purpose of efficient portfolio management or risk reduction. Risk warnings A, B, C, D, E, H, M, P 7

8 FL Kames Ethical Corporate Bond ISA Medium Kames Capital states the primary investment objective is to maximise total return (income plus capital) by investing in Sterling denominated bonds issued by a company or organisation which meets the fund s predefined ethical criteria. Investments may encompass investment grade corporate bonds, cash and up to 10% of the fund in high yield bonds. A full list of exclusions is available from the Authorised Corporate Director. The average portfolio duration of the fund will normally vary within a plus 3 to 10 year time frame based on the investment manager s views for rates and government and corporate bond yields. Direct investment in derivatives will also be for the purpose of efficient portfolio management or risk reduction. Risk warnings A, B, C, D, E, H, I, J, M, P FL Invesco Perpetual Corporate Bond ISA Medium Invesco Perpetual states the fund aims to achieve a high level of overall return, with relative security of capital. It intends to invest primarily in fixed. In pursuing this objective, the fund managers may include investments that they consider appropriate which include transferable, money market instruments, warrants, collective investment schemes, deposits and other permitted investments and transactions, although the fund will not invest in any instrument which gives rise to a stamp duty liability. Any direct investment in derivatives will be for the purpose of efficient portfolio management or risk reduction. Risk warnings A, B, C, E, H, M FL Invesco Perpetual Distribution ISA Medium Invesco Perpetual states the fund aims to achieve a balance of income and capital growth through a portfolio of primarily UK equity & fixed. In pursuing this objective, the fund managers may include investments that they consider appropriate which include transferable, money market instruments, warrants, collective investment schemes, deposits and other permitted investments and transactions. Any direct investment in derivatives will be for the purpose of efficient portfolio management or risk reduction. Risk warnings A, B, C, D, E, H, M FL Invesco Perpetual Global Bond ISA Medium Invesco Perpetual states the fund aims to achieve a good overall investment return in the medium to long term with relative security of capital. The fund intends to invest primarily in international bonds of differing yields and maturities. It may include debentures and loan stock. In pursuing this objective, the fund managers may include investments that they consider appropriate which include transferable, money market instruments, warrants, collective investment schemes, deposits and other permitted investments and transactions. Any direct investment in derivatives will be for the purpose of efficient portfolio management or risk reduction. Risk warnings A, B, C, E, H, M, P FL Investec Cautious Managed ISA Medium Investec states the fund aims to provide a combination of income and long-term capital growth by investing conservatively in a diversified portfolio of equities, bonds and other fixed of high quality and marketability. At all times the fund s equity exposure will be limited to a maximum of 60% of the portfolio value. Where reference is made to investment in high quality bonds this shall be defined as investment grade bonds. Bonds held may be corporate or government and of any duration and may be investment grade or sub investment grade. Up to 5% in value of the of this fund may be invested in units or shares of other collective investment schemes. The fund may also invest, at the Authorised Corporate Director s discretion, in other transferable. In addition, cash may be held for the purposes set out in the Financial Services Authority Rules, including efficient management of the fund, and exchange traded and over the counter derivatives and forward currency contracts may be used for the efficient portfolio management of the fund. Use may be made of stock and borrowing and other investment techniques permitted in the Financial Services Authority Rules. The fund may, in addition to its other investment powers, use cash and near cash and exchange traded and over the counter derivatives and forward currency contracts for investment purposes. Risk warnings A, B, C, D, E, H, J, M 8

9 FL Fixed Interest ISA Low + The fund aims to achieve income and capital growth by mainly investing in bonds. It may also invest in money market instruments, derivatives, cash and near cash assets such as deposits and certificates of deposit. The fund may invest directly or indirectly. Any direct investment in derivatives will be for the purpose of efficient portfolio management and risk reduction. Risk warnings A, B, C, D, E, H, J, N FL Index Linked ISA Low + The fund aims to provide income and capital growth by mainly investing in UK Government index- bonds. The fund may also invest in other bonds, money market instruments, derivatives, cash and near cash assets such as deposits and certificates of deposit. The fund may invest directly or indirectly. Any direct investment in derivatives will be for the purpose of efficient portfolio management and risk reduction. Risk warnings A, B, C, D, E, H, I, J, N FL JPM Cautious Total Return ISA Low + JPMorgan states the investment objective and policy of the fund is to achieve over a medium-term horizon higher returns than those available from money market instruments denominated in Sterling by investing primarily in fixed income, convertible bonds, equity and short-term of issuers located in any country. The fund may invest in such issued by issuers in emerging countries worldwide. Additionally, the fund may invest up to 100% in cash and cash equivalents. Asset and country allocations may vary over time to reflect market conditions and opportunities. The fund may invest up to 100% in government and public. The fund may use derivatives for investment purposes or efficient portfolio management, including hedging, where appropriate. Risk warnings A, B, C, D, E, F, G, H, J, M, P FL M&G Feeder of Property Portfolio ISA Low + M&G states the fund aims to maximise long-term total return (the combination of income and growth of capital) through investment mainly in commercial. The fund invests in a diversified portfolio of commercial mainly in the UK, seeking to add value through strategic asset allocation, stock selection and asset management. The fund may also invest in other related assets, including collective investment schemes,, derivatives and debt instruments, as well as government debt, money market instruments and cash. Direct investment in derivatives will also be for the purpose of efficient portfolio management or risk reduction. Risk warnings A, B, C, D, E, H, I, J, L, M, O, P 9

10 Charges and fund Efficient Portfolio Management Efficient portfolio management (EPM) is a set of standards for prudent management of investment funds. The standards call for economically appropriate transactions that reduce risk, reduce cost, or generate additional capital or income. For example a currency overlay strategy using derivative instruments could be used to reduce volatility in asset returns resulting from currency fluctuations or be used to take advantage of these fluctuations to gain extra return. Charges The annual management charge along with additional expenses for each fund can be found in the table on page 3. Some funds may have additional costs which are reflected in the unit price. These are known as fund expenses and are made by the fund manager to cover the cost of running the fund. This can include custodian and audit fees and commission from buying and selling of assets. Fund expenses vary depending on the fund chosen. Please see your original Individual Savings Account Key Features for details of other charges that may apply. Fund switching You can switch your choice of funds 12 times a year, free of charge. Any subsequent switches cost 15. You may invest in up to ten funds at any one time. 10

11 At Friends Life we want you to feel confident about your financial future, ready to face life s challenges and take its opportunities too. We know that everyone has their own individual outlook so, wherever we can, we use our knowledge and experience to offer products, services and options that suit your particular needs. And we aim to make it as easy as possible for you to deal with us. For our complete range of products and services visit This document is available in other formats. If you would like a braille, large print or audio version of this document, please contact us. Friends Life Limited Registered Office: Pixham End, Dorking, Surrey RH4 1QA Incorporated company limited by shares and registered in England and Wales number Authorised and regulated by the Financial Services Authority Telephone Friends Life is a registered trade mark of the Friends Life group XINV21/C

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