The guaranteed selection. For certainty in uncertain times

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1 The guaranteed seection For certainty in uncertain times

2 Making the right investment choice If you can t afford to take a ot of risk with your money it can be hard to find the right investment, especiay in voatie times. But our guaranteed seection coud be just what you re ooking for. Our two funds offer buit-in guarantees for peace of mind and yet sti provide growth potentia to hep you meet your financia goas. Two attractive investment options Our guaranteed seection gives you the opportunity to choose between different eves of growth potentia and reassuring guarantees. Whether your approach to investing is cautious or whether you re happy to take more risk, our two carefuy baanced funds shoud have something to offer you. Aviva Guaranteed 100 Fund Guarantees to return 100% of your origina investment on your guarantee date Guarantee 90 Fund Guarantees to return 90% of your origina investment on your guarantee date Six reasons to choose our guaranteed seection 1. A guaranteed minimum payment on the guarantee date of either 100% or 90% of the money you invest. 2. Get growth potentia by investing in assets ike stocks and shares and property (the potentia varies by fund) 3. Reduces your risk compared to investing directy in the stock market 4. Benefit from expert investment management by experienced Aviva fund managers. 5. You can invest in any combination of guaranteed funds to customise the eve of protection, risk and growth potentia 6. You can switch at any time between the funds You can invest in our guaranteed seection funds at any time through Seect Investment, our investment bond, with a minimum amount of 10,000. What s my guarantee date? It s the fifth anniversary of the date you invested in either of our guaranteed seection funds. The money-back guarantee ony appies on this date or 30 days before or after it. The guaranteed amount is protected on your guarantee date no matter what happens to the stock market. However, the vaue of your investment can go down as we as up at a other times.

3 How it works The guaranteed amount and guarantee date both appy on the fifth anniversary from the date you invest in your choice of fund. This is true whether you re a new investor or you re moving your money from another fund. You can invest into a guaranteed fund and switch into and between the funds as often as you want. Each time the guaranteed amount and the guarantee date wi move to five years from the date you switch into the fund. Each time you move, we reset your guaranteed amount and guarantee date. If you make any withdrawas or switches out of the fund, the guaranteed amount wi reduce in proportion to the number of units canceed rather than the cash amounts you withdrew or switched. The guarantee ony appies on the fifth anniversary of the date of the origina investment. At any other point the investment may go down as we as up If you invest in the Guaranteed 90 Fund then you wi receive a minimum of 90% of your origina investment on the fifth anniversary of your origina investment. What do the guaranteed seection funds invest in? Bonds and Gits Corporate bonds are issued by UK and internationa companies as a way for them to borrow money. The company pays interest on the oan and promises to repay the debt at a certain point in time. Gits are bonds issued by the UK government as a way for them to borrow money, usuay for a fixed term. The government pays interest on the oan. Athough the vaue of a bonds can rise and fa, they are seen as reativey ow risk. Property This is commercia property such as shopping centres and business offices. Property investment generates returns from buying, seing, managing and renting business buidings and shopping centres. Buying and seing properties can take time, and the actua sae price doesn t aways refect the vauation. This means property is seen as a higher risk investment. Cash This means a range of short-term deposits - simiar to a bank and buiding society account - and aso cash aternatives (interest-generating investments issued by governments, banks and other major institutions). Cash is seen as ow risk and pays an important part in providing a baanced return. Exampe asset mix Each fund in our guaranteed seection invests in a different mix of assets - ike equities, corporate bonds and gits, property and cash. The assets are managed separatey by professiona fund managers. Equities Equities are shares in companies isted on stock exchanges around the word. As shares can rise and fa in vaue very easiy, equities are riskier than most other investments. However, they usuay offer the greatest chance of higher returns over the ong term. Equities Bonds and Gits Property Cash

4 Spreading the risk Each type of asset has different eves of risk and opportunities for growth. They are the buiding bocks which et our guaranteed funds combine guarantees and growth potentia. Different types of assets can react differenty to the same set of investment conditions. Some may rise, some may fa. That s why we spread the risk by investing your money in a range of different asset types. The fund managers constanty monitor how each fund is performing. They reguary adjust the assets a fund invests in to make sure it stands the best chance of meeting its aims. Different funds have different asset mixes Because each fund has a sighty different aim, each wi invest in a different mix of assets. Each fund has a imit on the amount that s invested in higher risk investments ike equities and property: Fund Aim Upper imit in higher risk assets Guaranteed Fund Charge Guaranteed 100 Fund To provide a steady eve of growth. Up to 75% 0.50% Guaranteed 90 Fund To provide sighty more growth than the Guaranteed 100 Fund. Up to 90% 0.35% The reationship between risk and return For any investment, it s usuay the case that the more risk you take, the more opportunity for growth potentia. Guaranteed 100 Fund Guaranteed 90 Fund What s the risk? The risk is sighty ower than the Guaranteed 90 Fund. The risk is sighty higher than with the Guaranteed 100 Fund. Why? Lower investment in equities means fewer ups and downs in the vaue of your investment. Higher investment in equities means more ups and downs in the vaue of your investment. What does this mean for growth? With ower equity investment, you can expect more imited growth potentia. You can expect sighty more growth potentia than with the Guaranteed 100 Fund. What wi I get back? You get at east 100% of your origina investment back on the guarantee date. You get at east 90% of your origina investment back on the guarantee date. Pease bear in mind that the vaue of your investment can go down as we as up over the five years before the guarantee date.

5 What happens if I take some or a of my money out before my guarantee date? If you take a of your money out of one of our guaranteed seection funds before your guarantee date, you may get back ess than you paid in. You can choose to take some of your money out and eave the rest invested. If you do this, your guaranteed amount woud reduce in proportion to the number of units canceed, rather than the cash amount you take out of the fund. Switching an existing investment If you re aready invested in the bonds isted beow, Aviva s guaranteed seection funds offer you something you won t find anywhere ese in the industry the opportunity to switch into, and between, guaranteed funds at any time, free of charge. If you want to move some (or a) of your money into a guaranteed fund, you don t have to take out a new bond. You can switch into either of our two guaranteed seection funds if you have an existing investment in any of these bonds: GA Portfoio Bond (post 25 October 1995) CGU Portfoio Bond Norwich Union Bond 2000 Norwich Union Fexibond Norwich Union Portfoio Bond Portfoio Leve and Step Down Options Seect Investment Growth & Income Option Switch in and out of our guaranteed funds at any time. Lock in growth Being abe to switch into our guaranteed funds gives you greater fexibiity and contro over your investment. One of the most appeaing aspects of switching your investment into our guaranteed funds is that it ets you ock in any gains you ve had in other funds. You can switch your money into the Guaranteed 100 Fund and ock in that growth, guaranteeing it in five years time. You sti have the opportunity for growth as the Guaranteed 100 Fund invests party in equities. However, you aso benefit from the peace of mind offered by the money-back guarantee. On the fifth anniversary after the switch, we guarantee you wi get back at east the amount you switched into the Guaranteed 100 Fund, ess any withdrawas or switches out of the fund. The Guaranteed 100 Fund has a ow to medium risk rating. It coud be suitabe if you re a cautious investor and don t want to take too much of a risk with your money. How switching into/between the guaranteed seection funds works We ve put together some exampes of how the switch faciity coud work. Exampe 1 This shows how you can ock in any growth and benefit from a higher guaranteed amount. You invest 10,000 in the Guaranteed 90 Fund. You re guaranteed to get back at east 9,000 at the fifth anniversary. The fund does we and your investment grows to, say, 12,000. You re sti guaranteed to get back at east 9,000 at the fifth anniversary. But you coud ock in the growth by switching into the Guaranteed 100 Fund. By doing this you woud get back at east 12,000 at the fifth anniversary of the switch. If your investment in the Guaranteed 100 Fund then increases to, say, 13,000, you coud ock in this growth by switching out and back into the Guaranteed 100 Fund. This woud mean you woud get back at east 13,000 five years from the date of this switch. If you didn t switch out of the Guaranteed 100 Fund and back in again you woud sti get back at east 12,000 at the fifth anniversary of the origina switch. Exampe 2 This shows how you coud benefit from the higher growth potentia our Guaranteed 90 Fund coud offer whist guaranteeing you get back at east the amount you originay invested. You originay invest 10,000 into any of our funds and see it grow to 11,200. To get a guaranteed return on your origina investment, you switch the fu 11,200 into the Guaranteed 90 Fund. This offers a 90% guarantee on the amount you switch in. Your guaranteed amount is 90% of 11,200, which is 10,080. That means you re guaranteed to get back sighty more than your origina investment of 10,000 five years from the date of the switch. You have a higher growth potentia than if you invested in the Guaranteed 100 Fund. The Guaranteed 90 Fund performs we and your investment is now worth 13,000. You coud ock in this growth by switching into the Guaranteed 100 Fund. By doing this, you d get back at east 13,000 five years from the date of switch. You can switch between the guaranteed funds as many times as you want to give you the right mix of growth potentia and guaranteed return.

6 What happens after the guarantee date? You can ony invest in our guaranteed seection funds for five years at a time. When your investment reaches its fifth anniversary, you have to decide what to do with your money. You coud choose to switch it to another guaranteed fund or to a combination of our other investment funds. You may choose to invest in a different Aviva product. Aternativey, you can choose to take some or a of your money. We get in touch with you just before your guarantee date to expain your options. Things to consider Your money-back guarantee ony appies on the guarantee date, which is the fifth anniversary of when you invested in the fund. That s true for both our guaranteed seection funds. If you invest in the Guaranteed 90 Fund, we guarantee 90% of your origina investment on the guarantee date. This means you coud get back ess than you paid in. When you invest in a fund offering guarantees, you reduce your ikey investment returns because more of your money wi be invested in stabe assets with ess growth potentia. This means you may be abe to get higher growth if you invest directy into some asset types ike equities. The two guaranteed seection funds are medium-term investments, so you shoud be prepared to tie up your money for at east five years. There are charges for managing your investment and we make an additiona charge to provide the guaranteed eement of the guaranteed seection funds. It s aways best to get financia advice before you make any decisions about investing. What next? If you d ike to know more about our guaranteed seection funds visit products/seect-investment/funds-to-invest-in/guaranteedseection-fund.htm If you think you d ike to invest into one of these funds through Seect Investment or switch funds on an existing poicy we recommend you tak to your financia adviser. If you don t have an adviser, visit to find an adviser in your area.

7 Aviva Life Services UK Limited. Registered in Engand No Rougier Street, York, YO90 1UU. Authorised and reguated by the Financia Conduct Authority. Firm Reference Number aviva.co.uk IN /2015 Aviva pc

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