Your guide to Norwich Union s Pension Investment Funds

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1 Pension Fund Guide For use with Your Norwich Union (Stakeholder) individual plans started on or after 13 December 2004 Norwich Union Stakeholder Pension individual plans started on or after 10 April 2006 (A separate guide is available for individual plans started before 13 December 2004 and members of group plans/categories) This guide includes a form to provide Norwich Union with instructions to change funds in which existing and/or future payments are to be invested.

2 Your guide to Norwich Union s Pension Investment Funds Norwich Union a trusted name in finance for over 300 years When it comes to experience, Norwich Union as a part of the Aviva Group, one of the world's major providers of financial services. We ve been managing people s money for over 300 years. By choosing Norwich Union, you will also benefit from being with the largest insurance services provider in the UK. Together with 35 million Aviva customers worldwide, you can feel certain you ve made the right choice when investing for your future. Our size, strength and expertise give us even greater opportunities to provide an extensive range of valuefor-money, quality products. From investments, retirement solutions and pensions, to protection and healthcare we have a wide range to meet your needs, both now and in the future. So, as you can see, Norwich Union can provide you with the confidence and reassurance you re looking for when choosing a pension. Please bear in mind that the size and strength of the company can decrease or increase over time. Daily prices for Norwich Union Series 2 Pension Funds are available via our priceline service which is free to UK callers on , or from At the end of this guide is a form which can be used if you want to give Norwich Union instructions to: change the funds you are currently invested in change the funds in which your future regular payments are to be invested give investment instructions for a single payment or transfer payment. If your plan was taken out after 5 April 2006, please be aware that using the form to change funds will remove the Balanced Managed Lifestyle Strategy. Details are in your member guide. Funds for all Norwich Union s range of Pension Investment Funds offers you excellent investment choice, quality, flexibility and diversity. You can choose from a great selection of funds with funds covering a broad range of key asset classes, markets and fund management styles. 3

3 The risk associated with different investments Choosing the risk level that s right for you Risk is one of the most important factors when choosing the right pension fund for you. Understanding your attitude to risk is vital to ensure your future is taken care of. To help you make the right decision for your circumstances, the following pages show the risk/return rating for each the funds available under your contract. The key risk ratings are: risk Where your aim is to maximise returns over the longer term, you should be prepared to accept significant day-to-day fluctuations in the value of your money and the resulting risk of a possible loss arising at any stage. To achieve this you should consider investing in the following types of areas: funds that invest in a narrow range of assets, for example, shares within particular markets or sectors that are expected to be very volatile in value, or individual shares. Medium to high risk Where your aim is to achieve better returns over the longer term than are available on less speculative investments, you should be prepared to accept wide day-to-day fluctuations in the value of your money and the resulting risk of a possible loss arising at any stage. To achieve this you should consider investing in the following types of areas: funds that invest in a narrow range of assets, for example, shares mainly within the UK and/or Europe and other developed markets. Medium risk Where your aim is to achieve better returns over the longer term than are available on more cautious investments, you should be prepared to accept some day-to-day fluctuations in the value of your money and the resulting risk of a possible loss arising at any stage. To achieve this you should consider investing in the following types of areas: funds that invest in a wide range of assets; or funds which invest in a range of fixed interest securities; or funds that invest solely in property; or a fund whose return is linked to the performance of a stock market index. Medium to low risk Where your aim is to achieve greater returns over the longer term than interest paying accounts, you should be prepared to see low-level day-to-day fluctuations in the value of your money and the resulting risk of a possible loss at any stage. To achieve this you should consider investing in the following types of areas: funds that invest in a wide range of assets, including shares, but which aim to follow a relatively cautious approach to risk, or funds that invest in asset types that are expected to be less volatile in value than shares. Low risk Where you are not prepared to take any risk with your capital you should realise it may not safeguard your investments against inflation. Risk is an unavoidable part of investing. Even the cautious investor saving in a bank or building society account is exposed to the risk that the interest they receive may not be enough to match the increase in the cost of living. The amount an investor could buy with their savings would be reduced year on year. But a bank or building society customer does know that their capital is secure and any interest, once earned, is guaranteed. With the help of your financial adviser, careful investment planning can manage risk effectively. 4

4 Fund risk ratings Low risk Low NU Deposit The fund aims to provide a safe return in line with bank and building society interest rates. The fund has very little risk attached to it and protects capital values from falling. Money Medium to Low risk Medium to Low NU Defensive Managed The fund aims to provide a reasonable return through a combination of capital growth and investment income with a low level of risk. The mix of investment aims to achieve a higher level of return than cash deposits alone. Defensive Managed Medium to Low NU Gilt The fund aims to provide a reasonably good return, mainly through investment income, with the prospect of some capital growth. UK Gilt Medium to Low NU Index-Linked Gilt The fund aims to provide long-term capital growth. UK Index-Linked Bonds Medium to Low NU Retirement Protection The fund aims to track the performance of the Financial Times Actuaries Government over 15 years Gilt Index before the deduction of management fees and allowances for taxes and other expenses. UK Long Bonds Medium to Low NU Stakeholder With-Profit The fund aims to provide growth by sharing out the performance of the fund to its investors through a system of bonuses. With-Profits Future bonuses cannot be guaranteed as they depend on future profits. We may apply a Market Value Reduction (MVR) if you take money out of the Stakeholder With-Profit Fund. This means we can pay you less than the quoted value of the amount taken out. This is most likely to happen following a large or prolonged fall in the stock markets or after a period where investment returns are regularly below the level we normally expect. An MVR may apply if you take money out of the Stakeholder With-Profit Fund before or after your originally selected retirement date. It may also apply at your originally selected retirement date if the plan was started within five years of that date. It would also apply to any of the following if they happen within five years of the originally selected retirement date: new single investment, increases to regular payments (other than automatic increases which have already been agreed by us) and any existing investment moved into the Stakeholder With-Profit Fund. Further details of the Stakeholder With-Profit Fund and Market Value Reductions are available in the Guide to investing in the Norwich Union Stakeholder With-Profit Fund. 6

5 Our range of funds at a glance The following table shows the funds available to your plan. Please refer to Your Plan Details leaflet for details of the standard charges that apply to your plan. Risk/Return Rating Investment Fund Fund Provider (Series 2) Low NU Deposit Norwich Union 0 Medium to Low NU Defensive Managed Norwich Union 0 Medium to Low NU Gilt Norwich Union 0 Medium to Low NU Index-Linked Gilt Norwich Union 0 Medium to Low NU Retirement Protection Norwich Union 0 Medium to Low NU Stakeholder With-Profit Norwich Union 0 Medium NU Balanced Managed Norwich Union 0 Medium NU Global Bond Norwich Union 0 Medium NU Property Norwich Union 0 Medium NU Sustainable Future Corporate Bond Norwich Union 0 Medium NU Sustainable Future Managed Norwich Union 0 NU European Equity Norwich Union 0 NU Sustainable Future European Growth Norwich Union 0 NU Sustainable Future UK Growth Norwich Union 0 NU UK Equity Norwich Union 0 NU UK Equity Ethical Norwich Union 0 NU UK Index Tracking Norwich Union 0 NU Global Equity Norwich Union 0 NU International Index Tracking Norwich Union 0 NU Pacific Equity Norwich Union 0 NU Sustainable Future Absolute Growth Norwich Union 0 NU Sustainable Future Global Growth Norwich Union 0 NU US Equity Norwich Union 0 Additional Yearly Charge 5

6 Medium risk Medium NU Balanced Managed Fund The fund aims to provide a good return, through a combination of capital growth and investment income. The mix of investments gives the possibility of high returns from company shares, but with the safety of spreading the risk over a wide range of assets. Balanced Managed Medium NU Global Bond The fund aims to provide a reasonably good return from a combination of investment income, capital growth and currency gains. Global Fixed Interest Medium NU Property The fund aims to provide a good return from a mixture of rental income and capital growth. Property The value of property investments is generally a matter of valuer s opinion rather than fact. In addition, property investments may not always be readily saleable and occasionally there may be constraints on selling or disposing of investments. Medium NU Sustainable Future Corporate Bond The fund aims to provide a high level of investment income. Sterling Other Fixed Interest Medium NU Sustainable Future Managed The fund aims to provide a good return, through a combination of capital growth and investment income. Balanced Managed 7

7 risk NU European Equity The fund aims to provide a return mainly from capital growth. European excluding UK NU Sustainable Future European Growth The fund aims to provide long-term capital growth. European excluding UK NU Sustainable Future UK Growth The fund aims to provide long-term capital growth. UK All Companies NU UK Equity The fund aims to provide a return from a mixture of investment income and capital growth UK All Companies NU UK Equity Ethical The fund aims to provide long-term capital growth and investment income by investing mainly in shares. UK All Companies NU UK Index Tracking The fund aims to track the performance of the FTSE All-Share Index (before the deduction of management fees and allowances for taxes and other expenses) UK All Companies The FTSE All-Share Index is calculated by FTSE International Limited ( FTSE ). FTSE does not sponsor, endorse or promote this product. The FTSE Index Series is calculated by FTSE. All copyright in the index values and constituent list vests in FTSE. Morley Fund Management Limited has obtained full licence from FTSE to use such rights in the creation of this product. FTSE TM is a trade mark of London Stock Exchange Plc and The Financial Times Limited and used by FTSE under licence. 8

8 risk NU Global Equity The fund aims to provide a relatively high return from a mixture of investment income and capital growth from a portfolio comprising shares spread across the world s financial markets. Global Equities NU International Index Tracking The fund aims to track the performance of the FTSE World (ex UK) index (before the deductions of management fees and allowances for taxes and other expenses). Global Equities The FTSE All-Share Index is calculated by FTSE International Limited ( FTSE ). FTSE does not sponsor, endorse or promote this product. The FTSE Index Series is calculated by FTSE. All copyright in the index values and constituent list vests in FTSE. Morley Fund Management Limited has obtained full licence from FTSE to use such rights in the creation of this product. FTSE TM is a trade mark of London Stock Exchange Plc and The Financial Times Limited and used by FTSE under licence. NU Pacific Equity The fund aims to provide a return mainly from capital growth. Far East excluding Japan NU Sustainable Future Absolute Growth The fund aims to provide long-term capital growth. Global Equities NU Sustainable Future Global Growth The fund aims to provide long-term capital growth. Global Equities NU US Equity The fund aims to provide a return mainly from capital growth. North America 9

9 What to do if you want to change funds The following form can be used if you want to notify Norwich Union that you wish to: Alter the funds in which you are currently invested. This is sometimes called switch instructions or re-allocation of investments. If you switch out of the Stakeholder With-Profit Fund at times other than your originally selected retirement date, the value of units may be reduced depending on market conditions at the time. Change the funds in which your future regular payments are to be invested. This is sometimes called allocation instructions or re-direction of contributions. If you want to change the amount of your regular payments please ensure a Supplementary Application accompanies this form to give Norwich Union the necessary details. To obtain a Supplementary Application please contact your financial adviser or contact us on Give details of investment instructions for a single payment or transfer payment. If you want to pay a single payment or transfer payment please ensure that a completed Supplementary Application accompanies this form to give Norwich Union the necessary details. To obtain a Supplementary Application please contact your financial adviser or contact us on The form must be signed by the planholder. Instructions will normally be applied using the unit price next available when the request is received by us. We shall use a later unit price (that is normally available up to two working days later) if the use of the next available unit price would allow you to use already known market data to your benefit. Where funds are valued less frequently than each working day, for example the Property Fund, the delay may be longer. 10

10 Norwich Union Life Services Limited. Registered in England No Rougier Street, York, YO90 1UU. Norwich Union Life Services Limited is authorised and regulated by the Financial Services Authority. SP /2007 Aviva plc

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