Customer Fund Guide. Customer guide

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1 PROTECTION PENSIONS INVESTMENTS i2live Customer Fund Guide Customer guide

2 About Sun Life Financial of Canada In the UK Sun Life Financial of Canada in the UK is focused on building excellent customer service by offering the highest levels of customer care. We have been serving customers in the UK for over 100 years. Sun Life Financial of Canada in the UK does not provide advice on its life assurance and pension products, but aims to give customers helpful information to enable them to make informed decisions. To find a financial adviser just visit For more information, please visit Sun Life Financial Group of Companies Sun Life Financial of Canada is a leading international financial services organisation providing a diverse range of protection and wealth products and services to individuals and corporate customers. Chartered in 1865, the Sun Life Financial of Canada group of companies and its partners today have operations in key markets worldwide, including Canada, the United States, the United Kingdom, Ireland, Hong Kong, the Philippines, Japan, Indonesia, India, China and Bermuda. Sun Life Financial Inc., the parent company of the Sun Life Financial of Canada group of companies is based in Toronto, Canada and is listed on the Toronto (TSX), New York (NYSE) and Philippine (PSE) stock exchanges under ticker symbol SLF. For more information please visit

3 Contents i2live retirement solutions 4 Expert fund management 5 Working in partnership with Morningstar OBSR 6-7 Selecting funds 8-10 Income Guarantee Option requirements 11 Fund risks Inside this brochure The aim of this brochure is to give you the information you need about the i2live investment funds so you and your adviser can set your investment strategy to meet your long-term retirement needs. Your financial adviser can help you decide on the best funds to choose, in line with your attitude to risk and your retirement objectives.

4 4 i2live retirement solutions i2live products i2live consists of three essential retirement planning products: i2live Accumulator a simple personal pension plan to consolidate and grow your assets i2live Drawdown capped drawdown* pension product with an Income Guarantee Option i2live Annuity a flexible annuity offering income choice and growth potential with an Income Guarantee Option. Whatever stage you ve reached in your retirement, you are free to select the product that s right for you and to move seamlessly from one product to another, keeping the same investment strategy if you wish *. Both our income products allow you to remain invested in equities and offer the option of a guaranteed minimum income to ensure your income will never fall below a certain level, whatever happens to the markets. The importance of expert advice By keeping your pension fund invested in a suitable range of funds, you will have access to potential growth which could help to combat the effects of inflation and prevent your income from being eroded over time. Remember, the performance of your chosen investment funds can go down as well as up and past performance is not a guide to the future. Choosing where to invest is dependent on a number of factors. Your financial adviser will help you to understand these and see how they apply to your personal situation. * Please note you can only convert an i2live Accumulator to an i2live Drawdown policy from 6 April 2015 if you already have an existing i2live Drawdown. This is because we cannot create new drawdown policies from 6 April 2015 as we are not offering flexi access drawdown contracts. * Capped drawdown - an income withdrawal product with an HM Revenue & Customs (HMRC) set limit on the amount of income that can be withdrawn in a year.

5 5 Expert fund management Our fund partner We ve enlisted the help of Morningstar OBSR (previously known as Old Broad Street Research), who works with us to select and continually monitor our pension investment funds, which are provided by some of the UK s leading fund managers. Morningstar OBSR is an independent investment research and consultancy business with one of the largest and most experienced fund research teams in the UK market. It provides independent research and forward-looking fund ratings to help investors identify appropriate high quality investments. Funds are also regularly reviewed and monitored to ensure they can continue to achieve their investment objectives. See pages 6 and 7 for more information on fund research and ratings. A comprehensive range of funds The i2live fund range has been specifically designed to help generate increased income in retirement. It provides you with a wide choice of underlying investment funds, covering the major asset classes, which can be combined with or without our income Guarantee Option. This gives you and your financial adviser plenty of scope to tailor an investment portfolio from a blend of funds that together provide the right balance of expected risk and return to meet your specific needs. Free fund switching Depending on the markets and your changing circumstances we appreciate that you may need to adapt your investment strategy from time to time. We offer free fund switching to give you absolute flexibility when making investment decisions. Our latest fund information For the latest Morningstar OBSR Analyst Ratings of our funds, please visit our website Your financial adviser will help you to understand these and see how they apply to your personal situation.

6 6 Working in partnership with Morningstar OBSR Independent experts Morningstar OBSR provides independent research and forwardlooking fund ratings to help investors identify appropriate high quality investments. It maintains the integrity of its qualitative research through a rigorous methodology that involves face-toface meetings with fund managers and quarterly fund reviews. The ratings that emerge from Morningstar OBSR s research indicate whether its analysts conclude that a fund can outperform its peer group and/or relevant benchmark on a risk-adjusted basis over the long term. A Morningstar OBSR Analyst Rating of Gold, Silver or Bronze is acknowledged to be a sign of quality. What determines Morningstar OBSR Analyst Ratings? The Morningstar OBSR Analyst Rating evaluates funds on five key pillars, considering both numeric as well as qualitative factors. This approach notably puts only partial weight on past performance and backwardlooking risk measures and does not dismiss funds that have underperformed or have limited track records. The five pillars are: People - quality of a fund s investment team, based on factors including its experience, stability, structure, communication and alignment of interests with fund shareholders. Process - quality of investment process in terms of both security selection and portfolio construction and whether it is sensible, clearly defined and repeatable. In short, does the fund have a competitive advantage. Also judges whether the process is effectively implemented and whether the portfolio is consistent with the stated process. Parent - quality of the parent organisation, including capacity and risk management, recruitment and retention of talent, incentive pay, and culture of stewardship. Performance - evaluation of long-term returns, consistency of performance in different market conditions and performance relative to manager changes and changes in asset size. Price - evaluation of expense ratios, performance fees and trading costs, within the context of the relevant sales channel and market or cross-border region.

7 7 A guide to Morningstar OBSR Analyst Ratings A Morningstar OBSR Analyst Rating of Gold, Silver or Bronze is acknowledged to be a sign of quality for a fund. Advisers refer to Morningstar OBSR Analyst Ratings when selecting suitable funds for their clients. Gold rating A Morningstar OBSR Analyst Rating of Gold is the highest rating. It is awarded to funds that are Morningstar OBSR s highest conviction recommendations. By giving a fund a Gold rating, Morningstar OBSR expresses that the fund demonstrates powerful investment processes and disciplines which its analysts believe will translate into exceptional long term performance. Silver rating Funds with a Morningstar OBSR Analyst Rating of Silver are high conviction recommendations. They are of superior quality with notable advantages across several of the criteria Morningstar OBSR considers when analysing each fund s investment process and track record. A fund which is Not Available means that we and Morningstar OBSR are satisfied that the fund justifies a place within the endorsed range but is not currently rated by Morningstar OBSR. A fund which is Not Endorsed is deemed to be one that has experienced significant change which may prevent the fund from being able to deliver the fund objectives consistently. Your financial adviser will provide you with the latest information on fund ratings in relation to your specific investment objectives. Morningstar OBSR only rate actively managed funds so the passive funds within the range will not be given a rating. Please note: For the latest Morningstar OBSR Analyst Ratings of our funds, please visit our website Your financial adviser will help you to understand these and see how they apply to your personal situation. Bronze rating A fund which achieves a Morningstar OBSR Analyst Rating of Bronze is a commendable one. It shows advantages that clearly outweigh any disadvantages and gives us the conviction to award a positive rating. Neutral rating These are funds in which Morningstar OBSR do not have a strong positive or negative conviction. In its judgment they are not likely to deliver outstanding returns, though they are not likely to underperform.. Negative rating These funds possess at least one flaw that Morningstar OBSR believes is likely to significantly hamper future performance. These faults lead it to consider these funds inferior to their peers and likely to underperform. Exceptional Very Good Good

8 8 Selecting funds Designed with your retirement in mind The i2live fund range has been specifically designed to support long term strategies for retirement, enabling you to keep your pension fund invested with the opportunity to offset the effects of inflation by providing the potential for income growth. Fund objectives Please discuss with your financial adviser for information on individual fund objectives. 1 The Association of British Insurers classifies industry funds. Details are available from its website 2Asset split for Income Guarantee Option (IGO) purposes (this may not reflect actual fund asset split). 3The Total Expense Ratio represents the total annual cost of running the fund, equal to the Annual Charge plus any additional expenses from the underlying Open-Ended Companies (OEICs) and unit trusts. For the latest Morningstar OBSR Analyst Ratings of our funds, please visit our website Managed Funds *Please see page 11 for details on Income Guarantee Option requirements. SLFC Fund Code ABI Sector 1 Fund Name Equity Risk Proportion 2 % Other 2 Total Expense Ratio 3 *For IGO purposes Annual Charge 3 F870 Mixed s 40-85% Shares SLFC Balanced Passive Managed 70% 30% 0.59% 0.55% F871 Mixed s 20-60% Shares SLFC Cautious Passive Managed 50% 50% 0.61% 0.55% F819 Mixed s 40-85% Shares SLFC Jupiter Merlin Balanced Portfolio 80% 20% 2.32% 1.40% F837 Mixed s 20-60% Shares SLFC Henderson Cautious Managed 60% 40% 1.23% 1.03% F846 Mixed s 20-60% Shares SLFC Invesco Perpetual Distribution 60% 40% 1.29% 1.10% F851 Mixed s 20-60% Shares SLFC Investec Cautious Managed 60% 40% 1.20% 1.10% F821 Mixed s 20-60% Shares SLFC Jupiter Merlin Income Portfolio 65% 35% 2.31% 1.51% F820 Mixed s % SLFC Jupiter Merlin Growth Portfolio 100% 0% 2.33% 1.40% * 2012 Morningstar OBSR. All Rights Reserved. The information, data, analyses, and opinions contained herein (1) include the proprietary information of Morningstar OBSR, (2) may not be copied or redistributed, (3) do not constitute investment advice offered by Morningstar OBSR, (4) are provided solely for informational purposes and therefore are not an offer to buy or sell a security, and (5) are not warranted to be correct, complete, or accurate. Morningstar OBSR shall not be responsible for any trading decisions, damages, or other losses resulting from, or related to, this information, data, analyses, or opinions or their use. The Morningstar OBSR Analyst Rating is subjective in nature and reflects Morningstar OBSR current expectations of future events/behaviour as they relate to a particular fund. Because such events/behaviour may turn out to be different than expected, Morningstar OBSR does not guarantee that a fund will perform in line with its Morningstar OBSR Analyst Rating. Likewise, the Morningstar OBSR Analyst Rating should not be seen as any sort of guarantee or assessment of the creditworthiness of a fund or of its underlying securities and should not be used as the sole basis for making any investment decision.

9 9 Equity Funds SLFC Fund Code ABI Sector 1 Fund Name Equity Risk Proportion 2 % Other 2 Total Expense Ratio 3 *For IGO purposes Annual Charge 3 F815 Asia Pacific ex Japan SLFC Fidelity South East Asia 100% 0% 1.67% 1.40% F873 Europe ex UK SLFC BlackRock European Dynamic 100% 0% 1.46% 1.25% F838 Global Emerging Markets SLFC Henderson Emerging Markets Opportunities 100% 0% 1.58% 1.25% F862 Global Equities SLFC M&G Global Leaders 100% 0% 1.45% 1.25% F832 Japan SLFC Schroder Tokyo 100% 0% 1.48% 1.25% F906 North America SLFC American Equity Market Tracker 100% 0% 0.52% 0.47% F836 North America SLFC Schroder US Mid Cap 100% 0% 1.51% 1.30% F878 Guaranteed/ Protected SLFC Investec Multi Asset Protector 80% 20% 1.71% 1.30% F857 F892 UK All Companies UK All Companies SLFC BlackRock UK 100% 0% 1.47% 1.25% SLFC M&G Recovery 100% 0% 1.44% 1.25% F833 UK All Companies SLFC Schroder UK Alpha Plus 100% 0% 1.42% 1.20% F848 UK Equity Income SLFC Invesco Perpetual High Income 100% 0% 1.40% 1.20% F859 UK Smaller Companies SLFC BlackRock UK Smaller Companies 100% 0% 1.49% 1.25% Whilst this fund falls into the ABI sector of Guaranteed/Protected you should note that the protection within this Fund is not guaranteed. You should also note that the Fund aims to be of lower risk than an equity based investment and is designed for the more cautious investor.

10 10 Fixed Interest Funds SLFC Fund Code ABI Sector 1 Fund Name Equity Risk Proportion 2 % Other 2 Total Expense Ratio 3 *For IGO purposes Annual Charge 3 F847 Global Fixed Interest SLFC Invesco Perpetual Global Bond 20% 80% 1.27% 1.05% F811 Sterling Corporate Bond SLFC Fidelity MoneyBuilder Income 0% 100% 1.06% 0.85% F845 Sterling Corporate Bond SLFC Invesco Perpetual Corporate Bond 20% 80% 1.26% 1.05% F885 Sterling Corporate Bond SLFC M&G Strategic Corporate Bond 10% 90% 1.10% 0.90% F849 Sterling High Yield SLFC Invesco Perpetual Monthly Income Plus 50% 50% 1.38% 1.20% F806 Sterling Strategic Bond SLFC Artemis Strategic Bond 20% 80% 1.18% 1.05% F887 Sterling Strategic Bond SLFC M&G Optimal Income 20% 80% 1.23% 1.05% F891 UK Gilt SLFC M&G Gilt & Fixed Interest Income 0% 100% 1.18% 1.00% F875 UK Index Linked Gilts SLFC M&G Index Linked Bond 0% 100% 1.02% 0.80% Property Funds SLFC Fund Code ABI Sector 1 Fund Name Equity Risk Proportion 2 % Other 2 Total Expense Ratio 3 *For IGO purposes Annual Charge 3 F868 Global Property SLFC Schroder Global Property Securities 100% 0% 1.43% 1.20% F863 UK Direct Property SLFC Aviva Investors Property 0% 100% 1.17% 1.03% Money Market Fund SLFC Fund Code ABI Sector 1 Fund Name Equity Risk Proportion 2 % Other 2 Total Expense Ratio 3 *For IGO purposes Annual Charge 3 F865 Money Market SLFC Deutsche Managed Sterling 0% 100% 0.50% 0.50%

11 11 Income Guarantee Option requirements Guaranteed minimum income for life The Income Guarantee Option provides a floor below which income cannot fall. In order for our income products to provide you with the option of a guaranteed minimum income for life, we have had to place some restrictions on the proportion of the fund that can be invested in equities when the Income Guarantee Option is selected. Maximum equity risk proportion for Income Guarantee Option purposes All pension funds listed in this guide are available for use when the income guarantee has been selected. However, for the portion of your investment to which the guarantee applies, you must not exceed the maximum equity risk proportion. More details are available in the Terms and Conditions (these are available from your financial adviser or us on request). The maximum equity risk proportion we have allocated to each fund are for income guarantee purposes only and do not necessarily reflect the actual underlying assets within the fund. If you select the Income Guarantee Option, we will regularly check whether you have exceeded the equity limit. Where it has been exceeded we may ask you to switch your investments so that you meet the requirement. More details are available in the Terms and Conditions. If the Income Guarantee Option is not selected there are no restrictions to the funds that can be selected. Your financial adviser is best placed to help you put together an investment strategy that both meets the requirements of our Income Guarantee Option and reflects your pension requirements, so please ensure you seek their advice when selecting your i2live pension funds. Please note that from 31 December 2012 you may have to pay your adviser directly for this advice.

12 12 Fund risks A guide to Morningstar OBSR fund types In order to assist advisers to identify appropriate funds to meet their clients requirements Morningstar OBSR have categorised funds as follows: Managed Funds Passive Direct Multimanager Invested in instruments that track the markets; allocations follow the sector peer group. Invested in equities, bonds, cash, property and other instruments; allocations determined by the manager. Invested in funds such as Unit Trusts and OEICs; allocations determined by the managers who believe they are able to add value through asset allocation at the asset class level and/or the geographical level as well as through manager selection. Equity Funds Core Core Plus Specialist Guaranteed / Protected Funds are well diversified and tightly controlled against benchmarks and therefore performance is likely to be similar to the relevant index, albeit with the possibility of incremental outperformance over the medium to long term. Invested with an awareness of benchmark but positions and therefore returns may deviate significantly, meaning these funds have higher risk levels relative to market indices and peer groups than Core funds. These are funds which are managed with little or no reference to main market indices and peer groups therefore performance will be idiosyncratic. A fund with some level of protection, not necessarily guaranteed, designed to limit the downside risk. Such protection comes at the cost of limiting upside return potential. Fixed Interest Funds Sovereign Grade Strategic Mixed Assets A fund which invests almost exclusively in highly-rated government debt. A fund which invests predominantly in investment grade corporate debt. These funds may also invest in sovereign debt and there may be some latitude at the margin to invest in high yield debt. A fund which invests in sovereign, investment grade and high yield debt with no structural bias towards any and where the fund manager is free to asset allocate across all three. A fund which invests predominantly in fixed income securities, but may also invest in equities. Such funds may also invest in hybrid securities such as convertibles and preference shares. Property funds Companies Mixed Invested in property shares only. These shares are issued by companies which invest in property. Because they are listed they are relatively liquid, albeit with some sizeable bid offer spreads or they may introduce a diliution levy in the case of single priced funds causing a sharp drop in its single price from the offer level to the bid level. Invested in a mixture of property shares and direct property holdings, which are highly illiquid. As a result, funds may refuse to allow investors to withdraw their money for an extended period to avoid being forced to sell properties at distressed levels. Your guide to individual fund risks When selecting funds, we want to ensure that you are comfortable that you have made your choice with an understanding of the types of risk involved. Your financial adviser will explain any risks related to the funds you have selected as part of the advice process, but the following table is designed to show which risks are most likely for each of the funds. The purpose of this information is to capture the broad risks associated with the i2live pension fund range. SLFC Fund Code i2live Managed Funds Category (Fund type)* Potential risk a b c d e f g h i j k F870 SLFC Balanced Passive Managed Passive F871 SLFC Cautious Passive Managed Passive F837 SLFC Henderson Cautious Managed Direct F846 SLFC Invesco Perpetual Distribution Direct

13 13 Continued SLFC Fund Code i2live Managed Funds Category (Fund type)* Potential risk a b c d e f g h i j k F851 SLFC Investec Cautious Managed Direct F819 SLFC Jupiter Merlin Balanced Portfolio Multimanager F820 SLFC Jupiter Merlin Growth Portfolio Multimanager F821 SLFC Jupiter Merlin Income Portfolio Multimanager Equity Funds a b c d e f g h i j k F906 SLFC American Equity Market Tracker Passive F873 SLFC BlackRock European Dynamic Core Plus F857 SLFC BlackRock UK Core F859 SLFC BlackRock UK Smaller Companies Core Plus F815 SLFC Fidelity South East Asia Core Plus F838 SLFC Henderson Emerging Markets Opportunities Core Plus F848 SLFC Invesco Perpetual High Income Specialist F878 SLFC Investec Multi Asset Protector Guaranteed/ Protected F862 SLFC M&G Global Leaders Core Plus F892 SLFC M&G Recovery Specialist F832 SLFC Schroder Tokyo Core Plus F833 SLFC Schroder UK Alpha Plus Specialist F836 SLFC Schroder US Mid Cap Specialist SLFC Fund Code i2live Fixed Interest Funds Category (Fund type)* Potential risk a b c d e f g h i j k F806 SLFC Artemis Strategic Bond Strategic F811 F845 F847 SLFC Fidelity MoneyBuilder Income SLFC Invesco Perpetual Corporate Bond SLFC Invesco Perpetual Global Bond Grade Grade Grade F849 SLFC Invesco Perpetual Monthly Income Plus Mixed Assets F891 SLFC M&G Gilt & Fixed Interest Income Sovereign F875 SLFC M&G Index Linked Bond Sovereign F887 SLFC M&G Optimal Income Strategic F885 SLFC M&G Strategic Corporate Bond Grade Property Funds a b c d e f g h i j k F863 SLFC Aviva Investors Property Mixed F868 SLFC Schroder Global Property Securities Companies Money Market Fund a b c d e f g h i j k F865 SLFC Deutsche Managed Sterling Money Market * Category (fund type) are provided by Morningstar OBSR (previously known as Old Broad Street Research) for the Equity and Fixed Interest sections. Sun Life Financial of Canada provide the fund type for the Managed and Property funds. Whilst this fund falls into the ABI sector of Guaranteed/Protected you should note that the protection within this fund is not guaranteed. You should also note that the fund aims to be of lower risk than an equity based investment and is designed for the more cautious investor.

14 14 Potential risk a b c d e Past performance should not be taken as a guide to future performance; the value of your investments, and any income received, can go down as well as up and you may not get back the amount of your original investment. Funds that invest predominantly in sub-investment grade bonds - those with a rating of BB or less from credit rating agency Standard & Poor s or Ba or less from credit rating agency Moody s - have potential for higher returns than investment grade bonds but are also subject to greater risk. Bond funds - the value of a bond will fall if the issuer s credit rating is reduced and there is a risk of default, or non-payment, from the bond issuer. Funds with exposure to less developed overseas markets pose greater investment risk than funds invested in more established markets. These emerging markets funds can be more volatile than investments in more developed markets and the value of your investments could move sharply up or down. Funds that invest in overseas markets are exposed to changes in exchange rates. If the currency of your country of residence gains strength against the currency of your investment, the value of your holding may be reduced. f g h i j k Funds with a relatively small number of holdings can be more volatile than funds holding a larger number and wider spread of investments. Funds that invest predominantly in smaller companies are subject to greater risk than funds invested in larger, more established companies. Funds that invest predominantly in cash may be affected if an institution which they invest in experiences financial difficulty. A Fund of Funds is a fund that invests in other funds, and as such may be subject to higher costs, due to management charges on each underlying fund as well as for management of the Fund itself. Funds with direct investments in property may be subject to greater risk. The value of property is generally a matter of a valuer s opinion rather than fact. There may also be challenges when it comes to selling property. Inflation, over time, may erode the buying power of your investment.

15 15

16 How to contact us Our dedicated adviser and customer support team is on hand to answer any questions you have about Sun Life Financial of Canada s products and services. They can also provide you with further product literature and assist you with any specific queries or instructions regarding policy. Please note: You should read the relevant product Key Features and discuss your objectives with your financial adviser before making any investment. Pension funds are generally designed for long-term investment. Phone Customer & Adviser helpline: or Fax Post Sun Life Financial of Canada PO Box 6904 Basingstoke, RG24 4TD Online Visit us online at For the latest news, fund information and product literature. Our lines are open from 9am to 5pm Monday to Friday. We may monitor or record calls to help us improve our service. Sun Life Assurance Company of Canada (U.K.) Limited, incorporated in England and Wales, registered number , registered office at Matrix House, Basing View, Basingstoke, Hampshire, RG21 4DZ, trades under the name of Sun Life Financial of Canada and is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. SL /13 AP /0517 Life s brighter under the sun

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