Abbey Pension Funds - Fund Performance, Charges and Risk Classifications at 30/06/2018

1 year to 30/06/18 3 years to 30/06/18 5 years to 30/06/18 Annual

Fund Name

Total

return

over

period Quartile*

Total

return

over

period Quartile*

Total

return

over

period Quartile*

Ongoing

fund

charges

**

Risk Classification

***

Further

Details

Abbey Pension American Fund 12.1% 2 63.7% 1 104.5% 2 0.03% Adventurous link

Abbey Pension Equity Fund 9.7% 1 27.9% 2 44.3% 3 0.03% Balanced link

Abbey Pension Ethical Fund 8.5% 2 26.7% 2 49.3% 2 0.14% Adventurous link

Abbey Pension European Fund 2.6% 2 38.4% 2 60.5% 3 0.04% Adventurous link

Abbey Pension Fixed Interest Fund 1.0% 3 11.3% 3 20.8% 3 0.02% Cautious link

Abbey Pension High Income Fund 8.6% 1 27.2% 2 44.8% 4 0.13% Balanced link

Abbey Pension Indexed Investment Fund 0.7% 4 21.9% 4 39.9% 4 0.05% Cautious link

Abbey Pension International Fund 8.2% 2 46.0% 2 72.3% 2 0.04% Adventurous link

Abbey Pension Japan Fund 6.2% 4 40.1% 4 58.6% 4 0.06% Adventurous link

Abbey Pension Managed Fund 5.4% 2 29.5% 1 44.9% 3 0.06% Balanced link

Abbey Pension Property Fund 6.5% 3 7.5% 4 51.1% 2 0.40% Cautious/Balanced link

Abbey Pension Security Fund **** -0.2% 3 0.2% 2 0.4% 2 0.04% Secure link

Abbey Pension Selective Fund 6.5% 1 20.9% 1 45.0% 1 0.14% Balanced link

* The quartile position of the fund against similar funds in its sector is 1 if it is in the top 25% of funds, 2 if between 25%-50%, 3 if between 50% -75% and 4 if between 75% and 100% of funds.

** The on-going charges are the fund’s total operating expenses excluding transaction costs (fees, commission and stamp duty). The figure does not include the annual fund management charge that will vary by unit series.

*** Abbey Life has assigned a risk classification to each fund as a guide to the degree of risk each fund represents. They are:

Secure: These funds provide a high level of safety to the amount invested and can be expected to offer relatively low growth.

Cautious: Such funds are expected to have a low risk of capital loss and have the potential to provide modest growth over the long term.

Balanced: These funds carry a risk of capital loss but have the potential for capital growth over the long term, but the capital value is likely to fluctuate.

Adventurous: These funds carry a significant risk of capital loss but have the potential for higher capital growth over the long term. They can be very volatile and are only suitable for investors who are prepared to

accept the high risk of capital loss.

****While investments in this fund are lower risk relative to other investment categories they do not guarantee total security of capital because scenarios can arise resulting in a reduction in the value of your investment. These scenarios include:

1. If interest rates rise the current market value of certain types of instruments held in the fund will drop.

2. A counterparty defaults leading to only a proportion of the value of an investment being recovered.

3. In very low interest rate environments, interest rates earned can be lower than the charges applied to your investment.