# Key Features of the Stocks & Shares ISA

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7 A single payment of 1,000 Monthly payments of 50 At the end of year Investment to Effect of deductions to What you might get back ( ) At the end of year Investment to Effect of deductions to What you might get back ( ) 1 1, , , , , , , ,380 The last line of the table shows that at the end of year 10, charges and expenses could amount to 240 and you might get back 1,380. This would have the same effect as reducing investment growth from 5% to 3.3% a year, a reduction of 1.7% a year.* , , , , , ,110 The last line of the table shows that at the end of year 10, charges and expenses could amount to 639 and you might get back 7,110. This would have the same effect as reducing investment growth from 5% to 3.3% a year, a reduction of 1.7% a year.* An example Income Fund: Income funds focus on investments that produce an income as opposed to focusing on just the capital growth of the fund. It will invest in companies that aim to pay higher interest or dividends which can be distributed to investors. A single payment of 1,000 Income taken Income reinvested At the end of year Investment to Effect of deductions to Income paid out to What you might get back ( ) Effect of deductions to What you might get back ( ) 1 1, , , , , , , , , , , ,380 The last line of the table shows that at the end of year 10, charges and expenses could amount to 240 and you might get back 1,380 if you reinvest your income. This would have the same effect as reducing investment growth from 5% to 3.3% a year, a reduction of 1.7% a year.* Monthly payments of 50 Income taken Income reinvested At the end of year Investment to Effect of deductions to Income paid out to What you might get back ( ) Effect of deductions to What you might get back ( ) , , , , , , , , ,110 The last line of the table shows that at the end of year 10, charges and expenses could amount to 639 and you might get back 7,110 if you reinvest your income. This would have the same effect as reducing investment growth from 5% to 3.3% a year, a reduction of 1.7% a year.* *The information shows how the charges reduce any investment growth. You can use this information to compare with investments. 7

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12 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 Investment Solutions Limited An incorporated company limited by shares and registered in England and Wales, number Registered office: Pixham End, Dorking, Surrey RH4 1QA. Authorised and regulated by the Financial Conduct Authority. Telephone calls may be recorded. Friends Life is a registered trade mark of the Aviva group. My Money is a registered trade mark of the Aviva group. NGS250/A (43918) TEMP_NGS_Savings_KFD v1.0 Jan 2014 (39125)

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