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Skandia Investment SolutionsFund information

This document provides a summary of information relating to the funds which have been selected by you and your financial adviser, including the specific charges applicable to those funds. You can find out more about Skandia’s complete fund range and charges by visiting

It does not provide all the important information that may be required to determine the suitability of a particular fund. For more comprehensive information about the way each fund works and its investment risks, please refer to the Key Investor Information Document or the Simplified/Full Prospectus issued in English by the fund provider.

To find out more about Key Investor Information Documents please visit our website www.skandia.co.uk/kiid

You should read this document in conjunction with your Key Features Document and the Terms and Conditions for the product you have selected. If you would like further copies of these documents please contact your financial adviser.

08 August 2012

ISA and CIA £10,680 lump sum payment into Skandia Diversified – Investor charge excluded

At the end of year

Investment to date £

Effect of deductions to date £

What you might get back at 7% per annum £

3 10,680 1,240 11,800

5 10,680 1,890 13,000

10 10,680 4,230 16,700

1 10,680 707 10,700

The last line of each table illustrates that over 10 years, the effect of charges could amount to £4,230 for ISA and £3,850 for CIA. Putting it another way, for an annual growth rate of 7%, this would have the effect of reducing it to 4.6% for ISA. Similarly, for an annual growth rate of 6%, this would have the effect of reducing it to 3.6% for CIA. This is equivalent to a reduction in growth of 2.4% for both ISA and CIA.

At the end of year




3 10,680 1,200 11,500

5 10,680 1,810 12,400

10 10,680 3,850 15,200

1 10,680 701 10,600

ISA and CIA £10,680 lump sum payment into Skandia Diversified – £68.50 Investor charge included

At the end of year




3 10,680 1,420 11,600

5 10,680 2,220 12,700

10 10,680 5,040 15,900

1 10,680 762 10,600


At the end of year




3 10,680 1,380 11,300

5 10,680 2,120 12,100

10 10,680 4,620 14,400

1 10,680 755 10,500

ISA and CIA £300 monthly payment into Skandia Diversified – Investor charge excluded

At the end of year




3 10,800 861 11,100

5 18,000 1,920 19,500

10 36,000 6,960 44,600

1 3,600 202 3,530


At the end of year




3 10,800 847 10,900

5 18,000 1,860 19,000

10 36,000 6,550 42,400

1 3,600 201 3,510

ISA and CIA £300 monthly payment into Skandia Diversified – £68.50 Investor charge included

At the end of year




3 10,800 1,090 10,900

5 18,000 2,350 19,100

10 36,000 8,050 43,500

1 3,600 275 3,450


At the end of year




3 10,800 1,080 10,700

5 18,000 2,290 18,600

10 36,000 7,580 41,300

1 3,600 273 3,440

ISA ISA

ISA ISA

CIA CIA

CIA CIA

The following tables illustrate the effect of charges and expenses on an example investment, assuming a growth rate of 7% a year for an ISA and 6% a year for a CIA. If you invest in funds with a high cash or fixed interest content, this growth rate may overstate the investment potential of the account.

The following examples assume a standard initial charge of 4.5% and 0.5% fund based trail is paid, no withdrawals are made, all income is reinvested and no nominated trail commission is paid. These figures are not guaranteed and serve only to demonstrate the effect of charges and expenses on an example investment. For further details of the effect of charges and expenses on a specific fund please ask your financial adviser for a personalised illustration.

Effect of charges

PDF7400/212-6002/March 2012

Guide to the fund tablesThe table and explanatory notes below explain more about the information contained within the fund tables that follow.

Fund Name The name of the investment fund.

Fund Manager This is the Fund Manager’s name and the address of the fund’s Authorised Corporate Director (ACD). Unless otherwise stated the ACD of a fund is the same as the Fund Manager.

Trustee (T)/ This is an independent organisation that ensures the ACD/Fund Manager

Depository (D) acts in accordance with the scheme documentation and adheres to the relevant regulations.

Objective This tells you what the fund aims to do. For example, to provide long-term total return from capital growth and income through investment in UK securities. Please note that these objectives are provided by the various fund management groups concerned – not by Skandia. They do tend at times to use technical investment language and terminology. If you need further explanation of these terms, or any other information about the funds, please ask your financial adviser.

Fund category Skandia’s online investment tools, used by your financial adviser, separate funds into a range of fund categories.

UK Equity – UK Equity Gbl Spec – Global Specialist Nth Amer – North American UK Fixed – UK Fixed Interest European – European Int Fixd – International Fixed Interest Japan – Japan Cash/MM – Cash/Money Market Far East – Far East Property – Property Emer Mkt – Emerging Markets Managed – Managed These categories will not always align with a fund’s sector as defined by the

Investment Management Association. For full details of the fund categories and sectors, including their descriptions, please refer to the fund information pages on our website www.skandia.co.uk/funds

Special Risk Important points regarding certain characteristics particular to each fund.Factors

Inc/Acc This shows which share types are available. Accumulation units/shares, shown as ‘Acc’, reinvest any income received directly into the fund. Income shares, shown as ‘Inc’, distribute any income generated to investors. For the Collective Retirement Account, where a fund offers both ‘Inc’ and ‘Acc’ units/shares, you will only be able to select the ‘Acc’ variant due to the nature of the account.

UT/OEIC Denotes whether a fund is a Unit Trust (‘UT’), or an Open-Ended Investment Company (‘OEIC’).

Share Class Denotes the share class available as defined by the Fund Manager.

Re-reg This denotes whether the fund is available for re-registration to the Skandia Investment Solutions platform. Please note you can only re-register between funds if they are in the same share class.

Annual The annual charge made by the Fund Manager, expressed as a percentage of Management the fund value. Some Fund Managers charge a performance-related fee and Charge (AMC)% where this applies it is included in the AMC.

Total Expense This column gives an indication of the annualised total expenses, which is Ratio (TER) % the Fund Manager’s Annual Management Charge plus any additional expenses

to cover items such as bank and audit charges and trustee fees. Such charges vary from year to year.

Fund-Based Trail The level of fund-based trail commission payable to your financial adviser Commission % through the Skandia Investment Solutions platform only. Normally, the

commission paid is based on the fund selected as shown below, however, there are some exceptions. Please refer to the individual fund for the correct rate.

Fund-based trail commission: 0.50% a year – Equity/Managed and Property funds 0.35% a year – Fixed Interest funds 0.25% a year – Tracker funds 0.00% a year – Cash funds and Cash Deposits Fund-based trail commission is calculated on the last working day of the

month and is determined by the funds you hold on this day. If a switch is taking place at this time no fund-based trail commission will be generated.

Reduction in This is one way of expressing the effect of fund and product charges on the growth % potential growth of an investment holding. Please refer to your personalised

Key Features Illustration. A table in that document summarises the total effect of deductions and states the impact on the potential growth of the investment. These figures are in no way guaranteed. For reduction in growth figures for the Collective Retirement Account please contact your financial adviser for a personalised illustration.

ISIN (INC/ACC) This is a unique fund identification number.

Fund

Nam

e

Fund

Man

ager

Trus

tee

(T)/

D

epos

itory

(D)

Obj

ectiv

e

Sect

or

Spec

ial R

isk

Fact

ors

INC

/AC

C

UT/

OEI

C

Shar

e C

lass

Re-r

eg

AM

C %

Tota

l Exp

ense

Rat

io

(TER

) %

Fund

-Bas

ed T

rail

Com

mis

sion

%

Redu

ctio

n in

Gro

wth

%

(£10

,200

with

out

inve

stor

cha

rge)

ISIN

(IN

C/A

CC

)

Skandia Global Best Ideas

Skandia Investment

Management Limited –

Skandia House, PO Box 37,

Portland Terrace, Southampton

SO14 7AY

The Royal Bank of Scotland Plc (D)

To provide long-term total

return from capital growth and

income through investment in

global securities.

Managed 2,4 Acc OEIC n/a Yes 1.50 2.34 0.50 2.90GB00B13 HMT78

PDF7786/212-6002/March 2012

Fu

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Fu

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INC

/AC

C

UT

/OE

IC

Sh

are

Cla

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Re-

reg

AM

C%

To

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xpen

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atio

(T

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Fu

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mis

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n %

Red

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(£10

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ISIN

(IN

C/A

CC

)

Aberdeen AmericanEquity (Acc)

Aberdeen Unit TrustManagers Limited - 10Queen’s Terrace,Aberdeen AB10 1YG

The RoyalBank ofScotland Plc(D)

To achieve capital growth from a portfolio of North American securities. Nth Amer 3,4 Acc OEIC A Yes 1.50 1.62 0.50 2.20 GB00B0XWN143

Aberdeen Asia Pacific(Acc)



To achieve capital growth by investing in countries of the Asia Pacificregion, excluding Japan.

Far East 2,3,4 Acc OEIC A Yes 1.75 1.84 0.50 2.50 GB00B0XWNF82

Aberdeen Asia Pacificand Japan (Acc)



To achieve capital growth by investing in countries of the Asia Pacificregion, including Japan.

Gbl Spec 2,3,4 Acc OEIC A Yes 1.75 1.80 0.50 2.40 GB00B0XWNJ21

Aberdeen Cash (Acc) Aberdeen Unit TrustManagers Limited - 10Queen’s Terrace,Aberdeen AB10 1YG


To produce an attractive level of income commensurate with securityprincipally by investing in cash deposits and money market instruments.*This Fund is not available through the Individual Savings Account (ISA).

Cash/MM 4,6 Acc OEIC A CIAOnly

0.50 0.62 0.00 1.20 GB00B1BW3H93

Aberdeen EmergingMarkets (Acc)



To provide long-term capital growth from direct or indirect investment inemerging stock markets worldwide or companies with significant activitiesin emerging markets.

Emer Mkt 2,4 Acc OEIC A Yes 1.75 1.93 0.50 2.50 GB0033228197

Aberdeen EmergingMarkets Bond (Inc/Acc)



To provide an attractive level of income and long term capital return, byinvesting primarily in fixed interest securities issued by companies withtheir registered office in and/or government related bodies domiciled in anemerging market country. *This Fund is not available for the OffshoreCollective Investment Bond & is only available in accumulation units forthe Onshore Collective Investment Bond.

Int Fixd 2,4,5,6,7,11

Inc/Acc

OEIC A Yes 1.50 1.87 0.35 2.50 GB00B5BV9P41 /GB00B59TZP29

Aberdeen EthicalWorld (Inc/Acc)



To achieve long-term capital growth through investment in a portfolio ofquality international investments chosen on the basis of ethical sociallyresponsible' criteria.

Gbl Spec 2,4,8 Inc/Acc

OEIC A Yes 1.50 1.62 0.50 2.20 GB0006833601/GB0006833718

Aberdeen EuropeanEquity (Acc)



To maximise long-term total return through a portfolio of investments inEuropean companies, which the Manager believes will benefit fromeconomic, political or technological developments within Europe.

European 2,3,4 Acc OEIC A Yes 1.50 1.66 0.50 2.30 GB00B0LG6N13

Aberdeen EuropeanFrontiers (Acc)



To achieve long-term capital growth primarily in companies of developingEuropean countries, although the underlying fund may also invest incompanies of other European countries.

Emer Mkt 2,3,4,11

Acc OEIC A Yes 1.50 1.77 0.50 2.40 GB00B3MPT513

Aberdeen EuropeanSmaller Companies(Acc)



To achieve capital growth primarily by investing in equities and equity-related securities of European smaller companies. Income is not aconsideration.

European 1,2,3,4,12

Acc OEIC A Yes 1.50 1.65 0.50 2.20 GB00B0XWN473

Fu

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ISIN

(IN

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Aberdeen GlobalSelect Global CreditBond (Inc)

AberdeenInternational FundManagers Limited -2b, rue AlbertBorschette, L- 1246,Luxembourg, GrandDuchy of Luxembourg

BNP ParibasSecuritiesServicesLuxembourgBranch (D)

To achieve long term total return by investing at least two thirds of theFunds assets in Debt and Debt Related Securities issued by corporationsor multilateral development banks or government related bodies. * Pleasenote that this fund is domiciled outside of the UK. This means that rulesand regulations made under the Financial Services & Markets Act 2000 ofthe United Kingdom for the protection of investors do not apply to thefund and that the Financial Services Compensation Scheme establishedby the Financial Services Authority may not apply in relation to anyinvestment in the Fund. Additionally, the taxation of income and gains forUK resident investors may be different to UK domiciled funds. The taxliability will depend on the fund’s Reporting status and whether income istreated as dividends or interest. Your financial adviser will be able toexplain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Int Fixd 4,5,6 Inc OEIC D1 CIAonly

0.90 1.19 0.35 1.80 LU0231465849

Aberdeen GlobalSelect High YieldBond (Inc)

AberdeenInternational FundManagers Limited -2b, rue AlbertBorschette, L- 1246,Luxembourg, GrandDuchy of Luxembourg

BNP ParibasSecuritiesServicesLuxembourgBranch (D)

To achieve long-term total return by investing at least two-thirds of theFund's assets in fixed interest securities which are sub-investment gradeand issued by corporations or government-related bodies.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Int Fixd 4,5,6 Inc OEIC D1 CIAonly

1.35 1.58 0.35 2.20 LU0231461004

Aberdeen High YieldBond (Inc/Acc)



To provide an attractive level of income with the opportunity for somelong term capital growth. The fund will invest mainly in non investmentgrade fixed interest securities issued by companies, governments,government related bodies and supranational institutions that aredomiciled in the UK or Europe, which the Manager believes are likely toproduce a high yield. *This Fund is not available for the OffshoreCollective Investment Bond & is only available in accumulation units forthe Onshore Collective Investment Bond.

UK Fixed 4,5,6,11

Inc/Acc

OEIC A Yes 1.25 1.63 0.35 2.20 GB00B5968F40 /GB00B5B5Y281

Aberdeen JapanGrowth (Acc)


AberdeenUnit TrustManagersLimited - 10Queen’sTerrace,AberdeenAB10 1YG

To achieve capital growth through investment in a diversified portfolio ofJapanese securities.

Japan 3,4 Acc OEIC A Yes 1.50 1.62 0.50 2.20 GB0004521620

Aberdeen LatinAmerican Equity (Acc)


AberdeenUnit TrustManagersLimited - 10Queen’sTerrace,AberdeenAB10 1YG

To provide long term total return, to be achieved by investing primarily inequities and equity related securities of Latin American companies orcompanies with significant activities in Latin America. *This Fund is notavailable for the Offshore Collective Investment Bond.

Emer Mkt 2,4 Acc OEIC A Yes 1.75 1.99 0.50 2.60 GB00B41QSW23

Aberdeen ManagedDistribution (Inc/Acc)



To achieve both capital growth and an attractive level of income from adiversified portfolio. The Fund may invest in transferable securities andmay also hold units in collective investment schemes (in particular,schemes managed by the Investment Adviser), money marketinstruments, deposits, warrants, derivatives and forward transactions,cash, near cash and deposits.

Managed 4,6,7,11

Inc/Acc

OEIC A Yes 1.25 1.34 0.35 1.90 GB00B1BW3J18/GB00B1BW3K23

Fu

nd

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(D

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(T

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Red

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(£10

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ho

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ISIN

(IN

C/A

CC

)

Aberdeen Multi-Asset(Inc/Acc)



To provide long-term total return from a diversified portfolio. The Fundmay invest in transferable securities and may also hold units in collectiveinvestment schemes (in particular, schemes managed by the InvestmentAdviser), money market instruments, warrants, derivatives and forwardtransactions, cash, near cash and deposits.

Managed 4,5,7 Inc/Acc

OEIC A Yes 1.50 1.56 0.50 2.10 GB0031682288/GB0031682171

Aberdeen Multi-Manager BalancedManaged Portfolio(Inc/Acc)


CitibankInternationalPlc (T)

To achieve a balance between capital growth and income, investingprimarily in shares or units of collective investment schemes.


UT n/a Yes 1.50 2.44 0.50 3.10 GB00B0LNRF18/GB00B0LNTV16

Aberdeen Multi-Manager CautiousManaged Portfolio(Inc/Acc)



To achieve income and capital growth by the adoption of a cautiousinvestment approach. Investment will be primarily in shares or units ofcollective investment schemes.


UT n/a Yes 1.50 2.29 0.50 3.00 GB0030672405/GB0030672512

Aberdeen Multi-ManagerConstellation Portfolio(Inc/Acc)



To achieve capital growth by investing primarily in shares or units ofcollective investment schemes managed by companies judged to beboutique in nature.

Gbl Spec 2,3,4,6

Inc/Acc

UT n/a Yes 1.50 2.54 0.50 3.20 GB0030672066/GB0030672173

Aberdeen Multi-Manager EquityManaged Portfolio(Inc/Acc)



To achieve capital growth, investing primarily in shares or units ofcollective investment schemes which invest mainly in equities or whichpursue a strategy mainly linked to equity investment.


UT n/a Yes 1.50 2.65 0.50 3.30 GB0030670805/GB0030670912

Aberdeen Multi-Manager EthicalPortfolio (Inc/Acc)



To achieve capital growth, investing primarily in shares or units ofcollective investment schemes investing in companies in any geographicarea or sector which have an ethical, socially responsible orenvironmental consideration.

UK Equity 4,6,8 Inc/Acc

UT n/a Yes 1.50 2.71 0.50 3.40 GB00B0LNRD93/GB00B0LNTT93

Aberdeen Multi-Manager Multi-AssetDistribution Portfolio(Inc/Acc)



To generate income payable quarterly and long-term capital growth.Investments will be mainly in shares or units of collective investmentschemes investing directly or indirectly in equities or fixed interestsecurities or pursuing an absolute return objective in any geographicalarea or sector. The Fund may also invest in derivatives for the purpose ofdelivering its investment objective.

Managed 4,5,6,7,11

Inc/Acc

UT n/a Yes 1.50 2.31 0.50 3.00 GB00B0LNRJ55/GB00B0LNTS86

Aberdeen PropertyShare (Acc)



To provide long-term total return, from a diversified portfolio of propertycompany securities or companies which derive a significant proportion oftheir revenues or profits from equities which have a significant proportionof their assets in property. Holdings will be concentrated in the UnitedKingdom, though investment overseas is permitted.

UK Equity 1,3,4,12

Acc OEIC A Yes 1.50 1.59 0.50 2.20 GB00B0XWNM59

Aberdeen UKCorporate Bond (Inc/Acc)



To produce an attractive level of income primarily through investment in aportfolio of investment grade debt, non-investment grade debt and debt-related securities. The Fund may also invest in derivatives, includingforwards, and in collective investment schemes, including those managedby the ACD or companies related to the ACD.

UK Fixed 4,5,6,7,11

Inc/Acc

OEIC A Yes 1.00 1.16 0.25 1.70 GB00B1C42D34/GB00B1C42C27

Aberdeen UK Equity(Inc/Acc)



To maximise long-term total return through a portfolio of investments inUK companies, with an emphasis on stock selection.

UK Equity 3,11 Inc/Acc

OEIC A Yes 1.50 1.61 0.50 2.20 GB00B0LG6G46 /GB00B0LG6H52

Aberdeen UK EquityIncome (Inc/Acc)



To achieve an attractive level of income combined with capital growthfrom a portfolio primarily consisting of UK equity and equity-relatedsecurities.


OEIC A Yes 1.50 1.62 0.50 2.20 GB00B0XWN812/GB00B0XWN705

Aberdeen UK MidCap (Inc/Acc)



To maximise total return from capital investment predominantly in thecompanies of the FTSE 250 Index (excluding investment trusts), thoughother UK-listed equities may be held where the ACD deems thisappropriate.

UK Equity 3 Inc/Acc

OEIC A Yes 1.50 1.63 0.50 2.20 GB00B0XWNQ97/GB00B0XWNR05

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ISIN

(IN

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CC

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Aberdeen UK SmallerCompanies (Acc)



To provide capital growth, whilst not excluding the occurrence ofincome,from investment in smaller UK companies being companies whichare not included within the 200 largest UK companies at the time ofpurchase, in terms of market capitalisation.

UK Equity 3,12 Acc OEIC A Yes 1.50 1.62 0.50 2.20 GB00B07T4636

Aberdeen WorldGrowth & Income(Inc)



To provide income and capital appreciation for investors over the longterm in companies worldwide, by investing primarily in equity and equity-related securities of companies worldwide which offer attractive yieldsand sustainable dividends.

Gbl Spec 4,5,6,7,11

Inc OEIC A Yes 1.50 1.67 0.50 2.30 GB00B3N9CY25

Aberdeen WorldEquity (Inc/Acc)



To provide long-term total return from an internationally diversifiedportfolio of equities.

Gbl Spec 2,4 Inc/Acc

OEIC A Yes 1.50 1.64 0.50 2.20 GB0031682627/GB0031682403

ACPI India FixedIncome (Acc)

ACPI InvestmentManagers (Ireland)Limited - 33 Sir JohnRogerson's Quay,Dublin 2, Ireland

BNY MellonInternationalBank Limited(D)

To achieve positive absolute returns and long-term capital appreciationby investing primarily in global fixed income securities. *This Fund is notavailable for the Offshore Collective Investment Bond. *Please note thatthis fund is domiciled outside of the UK. This means that rules andregulations made under the Financial Services & Markets Act 2000 of theUnited Kingdom for the protection of investors do not apply to the fundand that the Financial Services Compensation Scheme established bythe Financial Services Authority may not apply in relation to anyinvestment in the Fund. Additionally, the taxation of income and gains forUK resident investors may be different to UK domiciled funds. The taxliability will depend on the fund’s Reporting status and whether income istreated as dividends or interest. Your financial adviser will be able toexplain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Int Fixd 2,3,4,5,6,12

,14

Acc OEIC C1 Yes 1.50 1.65 0.35 2.20 IE00B4M6R919

Acumen DefensivePortfolio (Acc)

Investment FundServices Limited(IFSL) - Pearl House,55-59 Moorgate,London EC2R 6PA

The NationalWestminsterBank plc (D)

To deliver positive absolute returns which are uncorrelated to equity orbond markets throughout all market conditions by investing in regulatedUCITS-compliant absolute return funds, cash, near cash and deposits.*This Fund is not available for the Offshore Collective Investment Bond.

Managed 2,4,6,7,14

Acc OEIC A Yes 1.50 4.03 0.50 4.80 GB00B3XL3122

Alliance Trust MonthlyIncome Bond (Inc/Acc)

Alliance Trust AssetManagement Limited -8 West Marketgait,Dundee, DD1 1QN


To produce a monthly income yield and the prospect of capital growth byinvesting in a portfolio of assets which predominantly comprisescorporate bonds, and also includes government bonds, whilst at the sametime actively managing the interest rate exposure of the fund.*This Fundis not available for the Offshore Collective Investment Bond & is onlyavailable in accumulation units for the Onshore Collective InvestmentBond.

UK Fixed 3,4,5,6,7,11

Inc/Acc

OEIC A Yes 1.00 1.17 0.25 1.70 GB00B42RMS80 /GB00B3T4T518

Allianz Sterling TotalReturn (Inc)

Allianz GlobalInvestors - 155Bishopsgate, LondonEC2M 3AD

JP MorganTrustee andDepositaryCompanyLimited (D)

To maximise total return, primarily by investing in fixed income securities.The Fund will invest predominantly in the UK and Europe although it caninvest internationally.

UK Fixed 2,4,5,6,7

Inc OEIC A Yes 1.25 1.41 0.35 2.00 GB0031383408

Allianz Total ReturnAsian Equity (Acc)



To maximise total return through income and capital growth by investingin high yielding or undervalued securities of Asian companies excludingJapan.

Far East 1,2,3,4,11,12

Acc OEIC A Yes 1.75 1.99 0.50 2.60 GB0031384257

Allianz UK Equity(Acc)



To achieve capital growth by investing in UK companies. The Fund mayalso invest internationally.

UK Equity 1,3,4 Acc OEIC A Yes 1.25 1.92 0.50 2.50 GB0031098857

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ISIN

(IN

C/A

CC

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Allianz UK EquityIncome (Inc)



To achieve high and increasing income together with capital growth byinvesting in securities listed on the London Stock Exchange. The Fundmay also invest internationally.

UK Equity 1,3,4,6,11

Inc OEIC A Yes 1.25 1.38 0.50 2.00 GB0031383952

Allianz UK Mid-Cap(Acc)



To achieve capital growth by investing in securities of the FTSE Mid 250Share Index. The Fund may also invest internationally.

UK Equity 1,3,4,12

Acc OEIC A Yes 1.50 1.65 0.50 2.20 GB0031383622

Allianz US Equity(Acc)



To achieve capital growth by investing in North American companiesincluding Canada.

Nth Amer 1,3,4,12

Acc OEIC A Yes 1.50 1.59 0.50 2.20 GB0031384034

Allianz Brazil (Acc) Allianz GlobalInvestors - 155Bishopsgate, LondonEC2M 3AD


To achieve capital growth in the long term by investing mainly in theequity markets of Brazil.

Emer Mkt 2,3,4,6,12

Acc OEIC A Yes 1.75 2.02 0.50 2.60 GB00B52L0D85

Allianz BRIC Stars(Acc)



To achieve long-term capital growth by investing mainly in the equitymarkets of Brazil, Russia, India and China, known as BRIC countries. Upto one third of the Fund’s assets may be invested outside the BRICcountries including developed economies and/or other emerging markets.

Emer Mkt 1,2,3,4,12

Acc OEIC A Yes 1.75 1.94 0.50 2.60 GB00B0WDH725

Allianz ContinentalEuropean (Acc)



To achieve long-term capital growth by investing in Continental Europeancompanies.

European 1,3,4,12

Acc OEIC A Yes 1.50 1.76 0.50 2.40 GB0031382988

Allianz DynamicGrowth (Acc)



To achieve long-term capital growth through active asset allocation andseeks to manage the risks of capital loss resulting from excessive marketvolatility. The ACD aims to achieve the objective by investing in anyeconomic sector internationally and by holding cash and/or near cashwhen considered appropriate.

Managed 2,4,6,7,10

Acc OEIC A Yes 1.25 1.85 0.50 2.50 GB0030717911

Allianz Gilt Yield (Inc) Allianz GlobalInvestors - 155Bishopsgate, LondonEC2M 3AD


To maximise total return primarily by investing in British GovernmentSecurities. The Fund may invest more than 35% in debt securities issuedby the UK Government and can also invest in gilts, deposits, moneymarket instruments, derivatives, derivative instruments and collectiveinvestment schemes.

UK Fixed 6,7,11 Inc OEIC A Yes 0.50 0.53 0.00 1.10 GB0031383283

Allianz GlobalEcoTrends (Acc)



To provide long-term capital growth by investing in companies across theglobe that are active in the following sectors: ecoenergy (alternativeenergy sources and energy efficiency), pollution control (environmentalquality, waste management and recycling) and clean water (watertreatment and supply).

Gbl Spec 1,3,4,12

Acc OEIC A Yes 1.75 1.95 0.50 2.60 GB00B29Y0P17

Allianz Japan (Acc) Allianz GlobalInvestors - 155Bishopsgate, LondonEC2M 3AD


To achieve capital growth by investing in leading Japanese shares andother permitted equity-based investments.


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Allianz RenminbiCurrency (Inc)

Allianz GlobalInvestors Lux- 155Bishopsgate, LondonEC2M 3AD

State StreetBankLuxembourgS.A.

To generate a capital return based on the offshore Chinese Renminbi(so-called "CNH";"CNH represents the exchange rate of ChineseRenminbi (CNY) that trades offshore in Hong Kong or markets outsidethe People's Republic of China) market. The fund invests into offshoreChinese Renminbi denominated deposits issued in Hong Kong or outsidethe People's Republic of China. *This Fund is not available for theOffshore Collective Investment Bond. *Please note that this fund isdomiciled outside of the UK. This means that rules and regulations madeunder the Financial Services & Markets Act 2000 of the United Kingdomfor the protection of investors do not apply to the fund and that theFinancial Services Compensation Scheme established by the FinancialServices Authority may not apply in relation to any investment in theFund. Additionally, the taxation of income and gains for UK residentinvestors may be different to UK domiciled funds. The tax liability willdepend on the fund’s Reporting status and whether income is treated asdividends or interest. Your financial adviser will be able to explain howthese differences impact you depending on the characteristics of the fundand your individual circumstances.

Gbl Spec 2,3,4,6,7

Inc SICAV

A(H2)

CIAonly

0.50 0.70 0.00 1.20 LU0665630066

Allianz RiskMasterConservative (Acc)



To achieve long term capital growth by maintaining a balance betweeninvestments which are considered lower to medium risk and those whichare considered higher risk. *This Fund is not available for the OffshoreCollective Investment Bond.

Managed 2,4,6,7,9

Acc OEIC A Yes 1.50 1.91 0.50 2.50 GB00B7V77Z29

Allianz RiskMasterDefensive (Acc)



To achieve long term capital growth by maintaining a bias towardsinvestments which are considered lower to medium risk but may holdsome investments which are considered higher risk. *This Fund is notavailable for the Offshore Collective Investment Bond.

Managed 2,4,6,7,9

Acc OEIC A Yes 1.50 1.87 0.50 2.50 GB00B7V77P21

Allianz RiskMasterGrowth (Acc)



To achieve long term capital growth by investing in investments which areconsidered higher risk, but may, on an ancillary basis, invest ininvestment considered lower to medium risk. *This Fund is not availablefor the Offshore Collective Investment Bond.

Managed 2,4,6,7,9

Acc OEIC A Yes 1.50 1.95 0.50 2.60 GB00B7V79018

Allianz RiskMasterModerate (Acc)



To achieve long term capital growth by maintaining a bias towardsinvestments which are considered higher risk but may invest, to lesserdegree, in investments considered lower to medium risk. *This Fund isnot available for the Offshore Collective Investment Bond.

Managed 2,4,6,7,9

Acc OEIC A Yes 1.50 1.94 0.50 2.60 GB00B7V78S27

Allianz UK Growth(Acc)



To achieve capital growth by investing in UK stocks and fixed incomesecurities of the FTSE All Share Index. The Fund may also investinternationally.


Allianz UKUnconstrained (Acc)



To achieve capital growth over the long term by investing in any of theeconomic sectors of the UK, although it may invest internationally. TheACD's general intention is to invest the Fund in a concentrated range ofcompanies, normally 16 to 30 companies, from any sector included withinthe FTSE All Share Index.

UK Equity 1,3,4 Acc OEIC A Yes 1.50 1.97 0.50 2.60 GB00B00NKG49

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Alquity Africa (Acc) Alquity InvestmentManagement Ltd -14B, rue desViolettes, L-8023Strassen, GrandDuchy of Luxembourg

RBC DexiaInvestorServicesBank S.A.

To aim to achieve long term capital appreciation by means of investingprincipally in (i) securities listed on Regulated Markets of Africancountries; or (ii) securities listed on Regulated Markets outside the Africancontinent provided that the relevant companies realised more than 50%of their revenue and/or profit in the African continent as determined by theInvestment Manager on the basis of these companies’ latest financialstatements. *The Annual Management Charge for this fund includes anallowance for a performance-related fee, for further information please goto the rear of this document. *Please note that this fund is domiciledoutside of the UK. This means that rules and regulations made under theFinancial Services & Markets Act 2000 of the United Kingdom for theprotection of investors do not apply to the fund and that the FinancialServices Compensation Scheme established by the Financial ServicesAuthority may not apply in relation to any investment in the Fund. Additionally, the taxation of income and gains for UK resident investorsmay be different to UK domiciled funds. The tax liability will depend onthe fund’s Reporting status and whether income is treated as dividends orinterest. Your financial adviser will be able to explain how thesedifferences impact you depending on the characteristics of the fund andyour individual circumstances.

Emer Mkt 2,3,4,6,12

Acc SICAV

A Yes 3.32 4.32 0.50 5.10 LU0455925700

Artemis Capital (Acc) Artemis FundManager Limited -Cassini House, 57 StJames’s Street,London SW1A 1LD

The RoyalBank ofScotland Plc(T)

To achieve long-term capital growth. The emphasis of the Fund will beinvestment in UK companies in the FTSE 100 Index, however, theManager has the flexibility to invest in UK companies outside the FTSE100 Index and overseas companies.

UK Equity 6 Acc UT n/a Yes 1.50 1.68 0.50 2.30 GB0006795529

Artemis EuropeanGrowth (Acc)

Artemis FundManager Limited -Cassini House, 57 StJames’s Street,London SW1A 1LD


To achieve long-term capital growth through investing principally incompanies in Europe (excl. the United Kingdom). The fund will not berestricted in the choice of investments either by company size or industry,or in terms of the geographical split of the portfolio.

European 2,4,6,12

Acc UT n/a Yes 1.50 1.65 0.50 2.30 GB0006600844

Artemis EuropeanOpportunities (Inc/Acc)



To achieve long term growth from investments principally in Europeanequities,excluding the UK.*This Fund is not available for the Offshore Collective Investment Bond &is only available in accumulation units for the Onshore CollectiveInvestment Bond.

European 4,6,7,9,12

Inc/Acc

UT R Yes 1.50 2.06 0.50 2.70 GB00B6WFCQ47/GB00B6WFCP30

Artemis GlobalEnergy (Acc)



To achieve long term capital growth primarily from a portfolio ofcompanies engaged in the oil and gas sector, energy generation andtransmission. Additionally, the fund may invest in companies seeking todevelop and exploit new energy technologies, and companies thatservice the energy sector.*This Fund is not available for the Offshore Collective Investment Bond.

Gbl Spec 2,3,4,6,7,12

Acc UT R Yes 1.50 1.65 0.50 2.30 GB00B5640222

Artemis GlobalGrowth (Acc)



To achieve long-term capital growth from a diversified portfolio investingin any economic sector in any part of the world.

Gbl Spec 2,4,6,12

Acc UT n/a Yes 1.50 1.72 0.50 2.40 GB0006795743

Artemis GlobalIncome (Inc/Acc)



To achieve a rising income combined with capital growth primarily from aportfolio of equities selected on a global basis.

Gbl Spec 2,4,5,6,7,11

,12

Inc/Acc

UT R Yes 1.50 1.86 0.50 2.50 GB00B5VLFH80/GB00B5V2MP86

Artemis Global Select(Acc)



To achieve long term capital growth primarily from a portfolio of globalequities that the Manager considers to demonstrate leading positions intheir sector.*This Fund is not available for the Offshore Collective Investment Bond.

Gbl Spec 2, 3,4, 6, 7

Acc UT R Yes 1.50 1.73 0.50 2.40 GB00B5QKCK29

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Artemis High Income(Inc)



To achieve a higher than average initial yield, combined with the prospectof rising income and some capital growth over the long-term. Theemphasis of the fund will be investment in UK fixed-interest investmentsand preference shares, however, the manager has the flexibility to investin all economic sectors worldwide and in equities.

UK Fixed 5,6,11 Inc UT n/a Yes 1.25 1.32 0.35 2.10 GB0006838097

Artemis Income (Inc/Acc)



To produce a rising income combined with capital growth from a portfolioprimarily made up of investments in the UK, including ordinary shares,convertibles and fixed interest securities.


UT n/a Yes 1.50 1.55 0.50 2.20 GB0006572464/GB0032567926

Artemis MonthlyDistribution (Inc/Acc)



To aim to achieve an income in addition to capital growth. The Fund aimsto achieve its objective by investing in a globally diversified portfolio ofassets. *This Fund is not available for the Offshore Collective InvestmentBond or the Onshore Collective Investment Bond.

Managed 2,4,5,6,7,11

,12

Inc/Acc

UT R Yes 1.50 2.08 0.50 2.70 GB00B75BPF64/GB00B74BQB01

Artemis StrategicAssets (Acc)



To achieve long-term growth through investment in a portfolio of UK andinternational assets.

Managed 2,4,5,6,7,11

,12

Acc UT R Yes 1.50 1.55 0.50 2.20 GB00B3VDDQ59

Artemis StrategicBond Q (Inc/Acc)



To achieve a total return by investing predominately in fixed incomemarkets. The fund aims to achieve its objective by investmentpredominantly in fixed income markets but may selectively invest in othermarkets.

UK Fixed 5,6,7 Inc/Acc

UT Q Yes 1.00 1.08 0.35 1.80 GB00B09DMK36/GB00B09DMJ21

Artemis UK Growth(Acc)



To achieve long-term capital growth. The emphasis of the fund will beinvestment in companies listed, quoted and/or traded in the UK and incompanies which are headquartered or have a significant part of theiractivities in the UK which are quoted on a regulated market outside theUK.

UK Equity 4,6,7,12

Acc UT n/a Yes 1.50 1.61 0.50 2.30 GB0002583267

Artemis UK SmallerCompanies (Acc)



To achieve long-term capital growth. The emphasis of the fund will beinvestment in smaller companies listed, quoted and/or traded in the UKand in smaller companies which are headquartered or have a significantpart of their activities in the UK which are quoted on a regulated marketoutside the UK.

UK Equity 6,12 Acc UT n/a Yes 1.50 1.62 0.50 2.50 GB0002583598

Artemis UK SpecialSituations (Acc)



To achieve long-term capital growth by exploiting special situations. Thefund invests principally in UK equities and in companies which areheadquartered or have a significant part of their activities in the UK whichare quoted on a regulated market outside the UK.


Ashburton AmericasEquity (Inc)

Ashburton (Jersey)Limited - PO Box 239,17 Hilary Street, StHelier, Jersey JE48SJ, Channel Islands

Royal Bankof CanadaFundServices(Jersey)Limited (D)

To achieve long-term capital growth by investing in a diversified portfolioof equity or equity-related securities, principally in the USA but alsoencompassing the Canadian and Latin American regions.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Nth Amer 1,4,12 Inc OEIC R CIAOnly

1.50 1.90 0.50 2.50 JE00B1G6ZB46

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Ashburton ChindiaEquity (Inc)



To achieve long-term capital growth through equity or equity-relatedinvestments predominantly in the stock markets of China and India.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Emer Mkt 1,2,4 Inc OEIC R CIAOnly

1.50 1.83 0.50 2.40 JE00B1G6ZG90

Ashburton EuropeanEquity (Inc)



To achieve long-term capital growth through a diversified portfolio ofequity or equity-related investments in companies incorporated in anyEuropean country.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Gbl Spec 1,4 Inc OEIC R CIAOnly

1.50 1.87 0.50 2.50 JE00B1G6ZH08

Ashburton JapanEquity (Inc)



To achieve long-term capital growth through investment primarily in thestock markets of Japan.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Far East 1,4 Inc OEIC R CIAOnly

1.50 1.90 0.50 2.50 JE00B1G6ZD69

Aviva Investors AsiaPacific Property (Inc)

Aviva InvestorsLimited - No 1 Poultry,London EC2R 8EJ

CitibankInternationalPlc (D)

To seek income and long term capital appreciation by investing principallyin immovable property, with an emphasis on commercial property, and/orproperty related transferable securities the issuers of which are domiciledin, or have significant operations or interests in the Asia Pacific regionand Australasia.*The Total Expense Ratio for this fund includes allowance for a PropertyExpense Ratio, for further information please go to the rear of thisdocument.

Property 2,3,4,6,10,11

Inc OEIC A Yes 1.60 2.72 0.35 3.40 GB00B2RJM074

Aviva InvestorsBalanced Managed(Inc)



To achieve long term capital appreciation and income through diversifiedinvestment within and across global securities markets.

Managed 2,4,5,6

Inc OEIC A Yes 1.50 1.65 0.50 2.20 GB0032493610

Aviva Investors BlueChip Tracking (Inc)



To track the total return (after charges) of the FTSE 100 Share Index. Tohold all the stocks and in the same proportion as in the FTSE 100 ShareIndex, except where prevented by the FSA Regulations.

UK Equity 6 Inc OEIC 1 Yes 0.90 0.96 0.25 1.50 GB0030442981

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Aviva InvestorsCorporate Bond (Inc)



To achieve a long term total return above that available on UKGovernment securities through diversified investment in Sterlingdenominated debt securities issued by governments, supranationalinstitutions and corporates.

UK Fixed 6.00 Inc OEIC A Yes 1.00 1.12 0.35 1.70 GB0032494683

Aviva InvestorsDistribution (Inc)



To achieve a high and growing level of income with prospects for longterm capital appreciation through diversified investment in high yieldingUK equities and UK fixed interest securities.

Managed 4,5,6,11

Inc OEIC 1 Yes 1.25 1.39 0.35 2.00 GB0030442213

Aviva InvestorsEuropean Equity(Acc)



To achieve long term capital appreciation through diversified investmentwithin and across European equity markets.

European 2,4,6 Acc OEIC A Yes 1.50 1.64 0.50 2.20 GB0032494246

Aviva InvestorsEuropean Property(Inc)



To seek income and long-term capital appreciation through real estateinvestment in the European Economic Area (excluding the UK) andSwitzerland.*The Total Expense Ratio for this fund includes allowance for a PropertyExpense Ratio, for further information please go to the rear of thisdocument.

Property 3,4,6,10

Inc OEIC R£ Yes 1.50 2.95 0.35 3.60 GB00B4KZRT07

Aviva Investors Fundof Funds Balanced(Inc)



To provide long-term capital growth together with income by investing inother eligible Collective Investment Schemes (the Target Funds).Investment will be made in shares or units of the Target Funds, whichinvest in any geographical area or industry sector.*This Fund is not available for the Offshore Collective Investment Bond.

Managed 2,4,5,6,12

Inc OEIC 1 Yes 1.50 2.34 0.50 3.00 GB00B1N94P34

Aviva Investors Fundof Funds Cautious(Inc)



To provide long-term capital growth and income by investing in othereligible Collective Investment Schemes (the Target Funds). Investmentwill be made in shares or units of the Target Funds, which invest in anygeographical area or industry sector.*This Fund is not available for the Offshore Collective Investment Bond.

Managed 2,4,5,6,12

Inc OEIC 1 Yes 1.50 2.14 0.50 2.80 GB00B1N94V93

Aviva Investors Fundof Funds Growth(Acc)



To provide long-term capital growth by investing in other eligibleCollective Investment Schemes (the Target Funds). Investment will bemade in shares or units of the Target Funds, which invest in anygeographical area or industry sector.*This Fund is not available for the Offshore Collective Investment Bond.

Managed 2,4,5,6,12

Acc OEIC 1 Yes 1.50 2.41 0.50 3.10 GB00B1N95162

Aviva Investors GlobalConvertibles(Hedged) (Inc)

Aviva InvestorsLuxembourg - 34Avenue de la Liberte,4th Floor L-1930Luxembourg, GrandDuchy

JP MorganBankLuxembourgSA (D)

To achieve capital growth or income by investing in convertible bondsand convertible preference shares of worldwide issuers.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.**This Fund is not available for the Offshore Collective Investment Bond.

Int Fixd 2,4,6 Inc OEIC A£XHedged

Yes 1.20 1.50 0.35 2.10 LU0367993077

Aviva InvestorsHigher Income Plus(Inc)



To achieve a high level of investment income through diversifiedinvestment in fixed interest securities issued by corporates, governmentsand supranational institutions.

UK Fixed 2,4,5,6

Inc OEIC A Yes 1.25 1.37 0.35 2.00 GB0032494576

Aviva InvestorsInternational IndexTracking (Acc)



To track the total return (after charges) of the FTSE World (ex UK) Indexby investing in international equities employing a combination of samplingand full replication strategies across equity markets which comprise theFTSE World (ex UK) Index.

Gbl Spec 2,4,6 Acc OEIC 1 Yes 0.90 0.96 0.25 1.50 GB0004459912

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Aviva InvestorsManaged HighIncome (Inc)



To provide a high level of investment income through diversifiedinvestment in global fixed interest securities issued in a variety ofcurrencies by governments, supranational institutions and corporates.

Int Fixd 2,4,5,6

Inc OEIC 1 Yes 1.25 1.39 0.35 2.00 GB0004459573

Aviva InvestorsMonthly Income Plus(Inc/Acc)



To achieve a high income payable monthly and to guard against capitalerosion through diversified investment, principally in the UK, in fixedinterest securities, convertibles, preference shares and high yieldingequities.


OEIC 1 Yes 1.00 1.13 0.35 1.70 GB0030443518/GB0030443286

Aviva Investors MultiAsset Fund I (Acc)



Aims to provide returns through a combination of capital growth andincome, by employing a blend of both strategic and tactical assetallocation across a diversified range of global asset classes. *This Fund isnot available for the Offshore Collective Investment Bond.

Managed 4,5,6,9

Acc OEIC 1 Yes 1.25 1.66 0.35 2.30 GB00B3Z57P41

Aviva Investors MultiAsset Fund II (Acc)




Managed 2,4,5,6

Acc OEIC 1 Yes 1.25 1.75 0.35 2.40 GB00B4XCWJ38

Aviva Investors MultiAsset Fund III (Acc)




Managed 2,4,5,6,9

Acc OEIC 1 Yes 1.25 1.67 0.35 2.30 GB00B6X8K808

Aviva Investors MultiAsset Fund IV (Acc)



Aims to provide capital growth by employing a blend of both strategic andtactical asset allocation across a diversified range of global classes. *ThisFund is not available for the Offshore Collective Investment Bond.

Managed 2,4,5,6

Acc OEIC 1 Yes 1.25 1.76 0.35 2.40 GB00B4TVCM71

Aviva Investors MultiAsset Fund V (Acc)



Aims to provide capital growth by employing a blend of both strategic andtactical asset allocation across a diversified range of global classes. *ThisFund is not available for the Offshore Collective Investment Bond.

Managed 2,4,6 Acc OEIC 1 Yes 1.25 1.72 0.35 2.30 GB00B4Y26M34

Aviva InvestorsProperty Investment(Inc)



To obtain a consistent income return, with some capital appreciationthrough investment principally in real property and with exposure toinvestments including bonds, government and other public securities, andunits in collective investment schemes.*The Total Expense Ratio for this fund includes allowance for a PropertyExpense Ratio, for further information please go to the rear of thisdocument.

Property 6,10 Inc UT n/a Yes 1.25 1.86 0.35 2.50 GB0032605221

Aviva InvestorsProperty Trust (Inc/Acc)



To obtain optimum returns compatible with security via income andcapital appreciation primarily through investment in certain kinds of realproperty, property related securities, government and other publicsecurities and units in collective investment schemes.*The Total Expense Ratio for this fund includes allowance for a PropertyExpense Ratio, for further information please go to the rear of thisdocument.

Property 6,10 Inc/Acc

UT n/a Yes 1.25 2.00 0.35 2.60 GB0006486152 /GB0033606483

Aviva InvestorsSustainable FutureAbsolute Growth(Acc)



To achieve long term capital appreciation by selective investment,principally in global equities based on price and prospects of aboveaverage earnings growth.

Managed 2,4,6,8,12

Acc OEIC 1 Yes 1.50 1.70 0.50 2.30 GB0030029515

Aviva InvestorsSustainable FutureCorporate Bond (Inc)



To achieve a high level of investment income through diversifiedinvestment principally in sterling denominated fixed interest securitiesissued by corporates, governments and supranational institutions.

UK Fixed 2,4,5,6,8

Inc OEIC 1 Yes 1.00 1.17 0.35 1.70 GB0030028988

Aviva InvestorsSustainable FutureEuropean Growth(Acc)



To achieve long term capital appreciation through diversified investmentprincipally within and across European Equity markets.

European 2,4,6,8

Acc OEIC 1 Yes 1.50 1.68 0.50 2.30 GB0030029283

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Aviva InvestorsSustainable FutureGlobal Growth (Acc)



To provide long-term capital growth through investment in global shares. Gbl Spec 2,4,6,7,8

Acc OEIC 1 Yes 1.50 1.68 0.50 2.30 GB0030029952

Aviva InvestorsSustainable FutureManaged (Inc)



To achieve long term capital appreciation and income through diversifiedinvestment within and across global securities markets.

Managed 2,4,6,8

Inc OEIC 1 Yes 1.50 1.67 0.50 2.30 GB0030030281

Aviva InvestorsSustainable FutureUK Growth (Acc)



To achieve long term capital appreciation by investing principally in UKequities based on price and prospects of above average earnings growth.

UK Equity 6,8 Acc OEIC 1 Yes 1.50 1.66 0.50 2.30 GB0030028657

Aviva Investors UKAbsolute Return (Acc)



To deliver a positive absolute return regardless of the prevailingstockmarket environment, by taking both long and synthetic shortpositions. The fund will primarily invest in equities and equity relatedsecurities of companies incorporated, listed or which derive a significantproportion of their revenue from within the UK. *The Annual ManagementCharge for this fund includes an allowance for a performance-related fee,for further information please go to the rear of this document. *This Fundis not available for the Offshore Collective Investment Bond.

UK Equity 4,6,7,11,12,

14

Acc OEIC A Yes 2.85 3.06 0.50 3.80 GB00B62WHM65

Aviva Investors UKEquity (Inc)



To achieve long term capital appreciation and income through diversifiedinvestment within the UK equity market.

UK Equity 6 Inc OEIC A Yes 1.50 1.62 0.50 2.20 GB0032493834

Aviva Investors UKEquity Income (Inc)



To achieve a dividend yield above that obtainable on the FTSE All ShareIndex by investing principally in UK equities judged to offer high yield,above average prospects of dividend growth and long term capitalgrowth.

UK Equity 6,11 Inc OEIC A Yes 1.50 1.61 0.50 2.20 GB0032494022

Aviva Investors UKEthical (Acc)



To achieve long term capital appreciation through diversified investmentwithin the UK equity market.

UK Equity 6,8 Acc OEIC A Yes 1.50 1.62 0.50 2.20 GB0032494139

Aviva Investors UKFocus (Acc)



To achieve long term capital appreciation by selective investmentprincipally in UK equities based on price and prospects of above averageearnings growth.

UK Equity 3 Acc OEIC 1 Yes 1.50 1.53 0.50 2.10 GB0030943236

Aviva Investors UKGrowth (Acc)



To achieve long term capital appreciation by investing principally in UKequities based on price and prospects of above average earnings growth.

UK Equity 6 Acc OEIC A Yes 1.50 1.62 0.50 2.20 GB0032493941

Aviva Investors UKIncome & Growth(Inc)



To achieve long term capital appreciation and income through diversifiedinvestment within the UK equity market.


Aviva Investors UKIndex Tracking (Inc)



To track the total return (after charges) of the FTSE All Share Index. Theinvestment policy is to hold all the stocks and in the same proportion as inthe FTSE All Share Index, except where prevented by the FSAregulations.


Aviva Investors UKSmaller Companies(Acc)



To achieve long term capital appreciation by investing principally insmaller capitalisation UK equities judged to offer prospects of aboveaverage earnings growth.

UK Equity 6,12 Acc OEIC 1 Yes 1.25 1.38 0.50 2.00 GB0004457312

Aviva Investors UKSpecial Situations(Acc)



To provide long term capital growth by investing primarily in a focusedportfolio of UK companies. The investment manager will invest in a selectportfolio of securities in special situations, where the investment managerbelieves a special situation to be a company whose future prospects arenot fully recognised in its valuation.

UK Equity 3,6,12 Acc OEIC 1 Yes 1.50 1.61 0.50 2.20 GB00B11SH861

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Aviva Investors USEquity Income (Inc/Acc)



To provide an annualised income yield 1.5% higher than that of theRussell 3000 Value Index, with the potential for capital growth. The fundprincipally invests in equity securities listed on regulated North Americanexchanges.*This Fund is not available for the Offshore CollectiveInvestment Bond & is only available in accumulation units for the OnshoreCollective Investment Bond.

Nth Amer 4,6,11,12

Inc/Acc

OEIC 1 Yes 1.50 1.65 0.50 2.50 GB00B451FS88/GB00B44GRT93

Aviva Investors WorldLeaders (Acc)



To provide long term capital growth by investing in a well diversifiedportfolio of global shares.

Gbl Spec 2,4,6 Acc OEIC 1 Yes 1.50 1.66 0.50 2.30 GB0030441918

AXA DefensiveDistribution (Inc/Acc)

AXA InvestmentManagement Limited -7 Newgate Street,London EC1A 1NX

HSBC BankPlc (D)

To achieve growing income with some prospects for capital growth overthe medium to long term. The portfolio will mainly consist of investmentsin any permitted UK fixed interest securities such as convertibles and UKGilt Edged Securities as well as Index Linked Gilts. *This Fund is notavailable for the Offshore Collective Investment Bond & is only availablein accumulation units for the Onshore Collective Investment Bond.

Managed 3,6,7,11

Inc/Acc

OEIC R Yes 1.50 1.50 0.50 2.20 GB0005298061/GB0005298178

AXA Distribution (Inc/Acc)


HSBC BankPlc (D)

To achieve growing income with some prospects for capital growth overthe medium to long term by investing in quoted UK companies,convertibles and UK gilts including index linked gilts. *This Fund is notavailable for the Offshore Collective Investment Bond & is only availablein accumulation units for the Onshore Collective Investment Bond.

Managed 3,6,7,11

Inc/Acc

OEIC R Yes 1.50 1.52 0.50 2.10 GB0006160328/GB0006160765

AXA EthicalDistribution (Inc/Acc)


HSBC BankPlc (D)

To achieve growing income with some prospects for capital growth overthe medium to long term by investing in UK equities of companies andsterling denominated corporate bonds issued by companies, inaccordance with its ethical screening criteria. *This Fund is not availablefor the Offshore Collective Investment Bond & is only available inaccumulation units for the Onshore Collective Investment Bond.

Managed 3,6,7,8,11

Inc/Acc

OEIC R Yes 1.50 1.51 0.50 2.10 GB0005297980/GB00B3FKJZ38

AXA FramlingtonAmerican Growth (Inc/Acc)



To achieve capital growth through investment principally in US, Canadianand Mexican large and medium capitalisation companies which in theManager’s opinion, show above-average profitability, management qualityand growth.

Nth Amer 2,4,12 Inc/Acc

UT n/a Yes 1.50 1.58 0.50 2.20 GB0003509105/GB0003509212

AXA FramlingtonBiotech (Inc/Acc)



To provide long-term capital appreciation by investing principally in equitysecurities of companies in the biotechnology, genomic and medicalresearch industries worldwide.

Gbl Spec 1,3,4,12

Inc/Acc

UT n/a Yes 1.75 1.90 0.50 2.60 GB0031007148/GB0031007254

AXA FramlingtonEmerging Markets(Inc/Acc)



To achieve capital growth through investment in companies which areincorporated, have their headquarters, or have their principal operationsin countries which are, in the Manager's opinion, developing countries.

Emer Mkt 2,4,12 Inc/Acc

UT n/a Yes 1.50 1.66 0.50 2.40 GB0003509329/GB0003509436

AXA FramlingtonEquity Income (Inc/Acc)



To produce a higher than average yield combined with long-term growthof income and capital. Investment is made principally in UK equities andconvertible shares of companies which, in the Manager’s opinion, showabove-average profitability, management quality and growth.

UK Equity 4,11,12

Inc/Acc

UT n/a Yes 1.50 1.64 0.50 2.50 GB0003502332/GB0003500393

AXA FramlingtonEuropean (Inc/Acc)



To achieve capital growth through investment principally in continentalEuropean equities. The fund has the power to invest in the UK, but it isnot currently proposed that it will do so. Investment is in companieswhich, in the Manager's opinion, show above-average profitability,management quality and growth.

European 4,12 Inc/Acc

UT n/a Yes 1.50 1.59 0.50 2.20 GB0003499745/GB0003499851

AXA FramlingtonFinancial (Inc/Acc)



To achieve capital growth through investment principally in financialservices companies worldwide. Investment will be predominantly inbanks, insurance companies, property companies, investment-relatedcompanies and other financial service providers which, in the Manager’sopinion, show above-average profitability, management quality andgrowth.


UT n/a Yes 1.50 1.63 0.50 2.30 GB0003499521/GB0003499414

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AXA FramlingtonGlobal Opportunities(Inc/Acc)



To achieve capital growth through worldwide investment in equities.Investment is in companies which, in the Manager’s opinion, show above-average profitability, management quality and growth.


UT n/a Yes 1.50 1.54 0.50 2.20 GB0003501920/GB0003502225

AXA FramlingtonGlobal Technology(Inc/Acc)



To achieve long-term growth principally through investments incompanies engaged in the research, design and development oftechnologies in all sectors including information technology and theinternet and in companies manufacturing and distributing products and/orproviding services resulting from such research, design and development.

Gbl Spec 1,2,3,4,12

Inc/Acc

UT n/a Yes 1.50 1.62 0.50 2.30 GB0006745243/GB0006598998

AXA FramlingtonHealth (Inc/Acc)



To achieve capital growth through investment in healthcare and medicalservices and product companies worldwide. Investment will be inproducers of pharmaceuticals, biotechnology firms, medical device andinstrument manufacturers, distributors of healthcare products, careproviders and managers and other healthcare services companies.


UT n/a Yes 1.50 1.57 0.50 2.20 GB0005753719/GB0003506424

AXA FramlingtonJapan (Inc/Acc)



To achieve maximum capital growth through investment principally inJapan, but also in other areas of the Far East. Investment is made incompanies which, in the Manager’s opinion, show above-averageprofitability, management quality and growth.

Japan 4,12 Inc/Acc

UT n/a Yes 1.50 1.52 0.50 2.20 GB0003500062/GB0003500179

AXA FramlingtonManaged Balanced(Inc/Acc)



To achieve capital growth through investment in a broad range ofsecurities in all or any economic sectors in all or any parts of the worldwhich, in the Manager's opinion, show above-average profitability,management quality and growth, balancing risk and return for investors.


UT n/a Yes 1.25 1.33 0.35 2.00 GB0003509543/GB0003509659

AXA FramlingtonManaged Income (Inc/Acc)



To generate a high level of income with capital growth. Investment will beprincipally in convertible securities, corporate bonds and other fixedincome securities (including government securities) of predominantly, butnot exclusively, UK issuers. Investment will be in convertible and fixedinterest securities which, in the manager’s opinion, have yield and valuecharacteristics which create attractive total return potential. The Managermay also invest, to a limited extent, in ordinary shares.


UT n/a Yes 1.00 1.12 0.35 2.10 GB0003501144/GB0003501250

AXA FramlingtonMonthly Income (Inc/Acc)



To combine a regular income with the potential for long-term capitalgrowth. The Fund will invest mainly in equities and fixed interestsecurities. The Fund provides monthly income payable direct to a UKbank or building society account.


UT n/a Yes 1.50 1.61 0.50 2.60 GB0003500286/GB0003490595

AXA Framlington PanEuropean High YieldBond (Inc/Acc)



To generate a high level of income, payable monthly into a UK bank orbuilding society account, by investing principally in high yieldingEuropean corporate bonds, bonds issued by European governments andEuropean fixed interest instruments. The Fund Manager may also investin European equities.

Int Fixd 4,5,6,11

Inc/Acc

UT n/a Yes 1.00 1.20 0.35 2.00 GB0005315113/GB0005320089

AXA Framlington UKGrowth (Inc/Acc)



To achieve capital growth through investment principally in UK large andmedium capitalisation companies which, in the Manager's opinion, showabove-average profitability, management quality and growth.


UT n/a Yes 1.50 1.65 0.50 2.40 GB0003509766/GB0003509873

AXA Framlington UKSelect Opportunities(Inc/Acc)



To achieve capital growth by investing in companies, primarily of UKorigin, where the Manager believes above-average returns can berealised.


UT n/a Yes 1.50 1.56 0.50 2.30 GB0003501698/GB0003501581

AXA Framlington UKSmaller Companies(Inc/Acc)



To achieve capital growth through investment principally in smaller UKquoted companies.


UT n/a Yes 1.50 1.60 0.50 2.50 GB0030310741/GB0030310857

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AXA GlobalDistribution (Inc/Acc)


HSBC BankPlc (D)

To achieve growing income with some prospects for capital growth overthe medium to long term, through investment globally by investing on aworld wide basis in equities and global inflation proof bonds. *This Fundis not available for the Offshore Collective Investment Bond & is onlyavailable in accumulation units for the Onshore Collective InvestmentBond.

Managed 4,6,7,11

Inc/Acc

OEIC R Yes 1.50 1.49 0.50 2.10 GB0008309287/GB0008309170

AXA Global HighIncome (Inc/Acc)


HSBC BankPlc (D)

To provide long term high yield returns by compounding high currentincome and any capital growth through investing in a broadly diversifiedportfolio of sub investment grade bonds. *This Fund is not available forthe Offshore Collective Investment Bond & is only available inaccumulation units for the Onshore Collective Investment Bond.

UK Fixed 4,5,6,7

Inc/Acc

OEIC R Yes 1.25 1.32 0.35 1.90 GB0030020142/GB0030019706

AXA SterlingCorporate Bond (Inc/Acc)


HSBC BankPlc (D)

To generate returns by gaining exposure generally to the sterling-denominated corporate bond market in the UK and overseas. The Fundinvests in non-investment grade high-yielding bonds. The high yieldreflects a higher risk of capital loss through default.

UK Fixed 6,7 Inc/Acc

OEIC R Yes 1.00 1.04 0.35 1.60 GB0034229020/GB0034229137

Baillie Gifford ActiveGilt Plus (Inc/Acc)

Baillie Gifford & Co.Ltd - 1 GreensideRow, Edinburgh,Midlothian EH1 3AN


To achieve a total return, before charges and expenses payable out ofthe Fund, in excess of the total return on the FTSE Actuaries All StockGilt Index, or any successor or substitute index, by 1.5% per annum overrolling three year periods.


OEIC A Yes 1.00 1.09 0.25 1.70 GB0005770655/GB0005770432

Baillie GiffordAmerican (Acc)



To maximise total return, by investing principally in equities in anyeconomic sector in the United States of America. The Fund may alsoinvest in Canada from time to time, and has the ability also to invest up to(but no more than) 10% in value of the Fund in each of the following:collective investment schemes and deposits.

Nth Amer 3,4 Acc OEIC A Yes 1.50 1.57 0.50 2.20 GB0006061740

Baillie Gifford BritishSmaller Companies(Acc)



To achieve good returns principally through capital growth, by investing inUK equities, principally in smaller companies, in any economic sector,with the ability also to invest up to (but no more than) 10% in value of theFund in each of the following: collective investment schemes anddeposits.


Baillie GiffordCorporate Bond (Inc/Acc)



To achieve a high level of monthly income while seeking to limit capitalvolatility by investing primarily in a diversified portfolio of investmentgrade and sub-investment grade fixed interest securities denominated insterling or denominated in currencies other than sterling and hedged backto sterling.

UK Fixed 2,4,5,6,7,11

,12

Inc/Acc

OEIC A Yes 1.00 1.07 0.25 1.60 GB0005946669/GB0005946776

Baillie GiffordDeveloped AsiaPacific (Acc)



To maximise the total return through investment, whether direct orindirect, in any economic sectors of any of the markets included in theMSCI Pacific Index or any successor or substitute index.

Gbl Spec 3,4 Acc OEIC A Yes 1.50 1.60 0.50 2.20 GB0030491418

Baillie GiffordEuropean (Acc)



To obtain capital growth by investing principally in equities in anyeconomic sector of Continental Europe, including the Republic of Ireland,with the ability also to invest up to (but no more than) 10% in value of theFund in each of the following: collective investment schemes anddeposits.

European 4 Acc OEIC A Yes 1.50 1.65 0.50 2.20 GB0006057284

Baillie Gifford GlobalIncome (Inc/Acc)



To obtain a yield higher than that generally available from investment inglobal equities whilst, over the longer term, achieving growth in bothcapital and income. The Fund will invest principally in equities worldwide,but may also invest in convertibles and fixed and floating rate debtinstruments from time to time.

Gbl Spec 2,4,6,11

Inc/Acc

OEIC A Yes 1.50 1.61 0.50 2.20 GB0005771950/GB0005772362

Baillie Gifford HighYield Bond (Inc)



To achieve a high level of total return by investing in a diversified portfolioconsisting primarily of sub-investment grade UK and overseas corporatebonds, ranging from unrated to BB+ (source S&P).

UK Fixed 2,4,5,6,7,12

Inc OEIC A Yes 1.00 1.04 0.25 1.60 GB0030816606

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Baillie GiffordInternational (Acc)



To achieve capital growth by investing principally in equities of companiesworldwide, excluding the United Kingdom, with the ability also to invest upto (but no more than) 10% in value of the Fund in each of the following:collective investment schemes and deposits.


Baillie GiffordInvestment GradeBond (Inc)



To maximise total return, while achieving a higher level of income thanwould be available from investment only in comparable UK Gilts byinvesting primarily in investment grade bonds, denominated in sterling,ranging from AAA to BBB- (Source S&P) to create a diversified portfolio.

UK Fixed 4,6,7,11,12

Inc OEIC A Yes 1.00 1.13 0.25 1.70 GB0030816374

Baillie GiffordJapanese (Acc)



To achieve capital growth by investing principally in equities and in anyeconomic sector of Japan, but with the ability also to invest up to (but nomore than) 10% in value of the Fund in each of the following: collectiveinvestment schemes and deposits.


Baillie GiffordJapanese SmallerCompanies (Acc)



To achieve capital growth by investing principally in Japanese equities,with particular emphasis on smaller companies in any economic sector,but with the ability also to invest up to (but no more than) 10% in value ofthe Fund in each of the following: collective investment schemes anddeposits.

Japan 3,4,12 Acc OEIC A Yes 1.50 1.51 0.50 2.20 GB0006014475

Baillie Gifford Pacific(Acc)



To achieve capital growth by investing principally in equities of the FarEast, Australasia and the Indian sub-continent in any economic sector.Current investment policy excludes investment in Japan, Australia andNew Zealand.

Far East 2,4 Acc OEIC A Yes 1.50 1.68 0.50 2.30 GB0006063126

Baillie Gifford UKEquity Alpha (Inc/Acc)



To achieve a total return, before charges and expenses payable out ofthe Fund, in excess of the total return on the FTSE All Share Index, orany successor or substitute index, over the long term.


OEIC A Yes 1.50 1.56 0.50 2.20 GB0005857783/GB0005857569

Barclays WealthGlobal Markets 1 (Inc/Acc)

Barclays WealthFunds Limited - 1Churchill Place,London, E14 5HP


To provide an ongoing source of income with the potential for somecapital growth. The fund invests primarily in a wide range of collectiveinvestment schemes including, but not restricted to, Exchange TradedFunds.*This Fund is not available for the Offshore Collective Investment Bond &is only available in accumulation units for the Onshore CollectiveInvestment Bond.

Managed 4,5,6,7,11

Inc/Acc

OEIC B CIAOnly

0.75 1.35 0.00 1.90 GB00B5566H69/GB00B512G014




To provide capital growth over the medium to long term with an ongoingsource of income. The fund invests primarily in a wide range of collectiveinvestment schemes including, but not restricted to, Exchange TradedFunds.*This Fund is not available for the Offshore Collective Investment Bond &is only available in accumulation units for the Onshore CollectiveInvestment Bond.

Managed 4,5,6,7,11

Inc/Acc

OEIC B CIAOnly

1.00 1.55 0.25 2.10 GB00B51SNK84/GB00B55P0043




To provide capital growth over the medium to long term and, to a lesserextent, income. The fund invests primarily in a wide range of collectiveinvestment schemes including, but not restricted to, Exchange TradedFunds.*This Fund is not available for the Offshore Collective Investment Bond &is only available in accumulation units for the Onshore CollectiveInvestment Bond.

Managed 4,5,6,7,11

Inc/Acc

OEIC B CIAOnly

1.00 1.60 0.25 2.20 GB00B55D8F93/GB00B4XY5T00

Barclays WealthGlobal Markets 4(Acc)



To provide capital growth over the medium to long term. The fund investsprimarily in a wide range of collective investment schemes including, butnot restricted to, Exchange Traded Funds.*This Fund is not available for the Offshore Collective Investment Bond.

Managed 2,4,5,6,7

Acc OEIC B CIAOnly

1.00 1.65 0.25 2.20 GB00B54S9M94

Barclays WealthGlobal Markets 5(Acc)



To provide high levels of capital growth over the medium to long term.The fund invests primarily in a wide range of collective investmentschemes including, but not restricted to, Exchange Traded Funds.*This Fund is not available for the Offshore Collective Investment Bond.

Managed 2,4,5,6,7

Acc OEIC B CIAOnly

1.00 1.65 0.25 2.20 GB00B539L389

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Baring AseanFrontiers (Inc)

Baring FundManagers Limited -155 Bishopsgate,London EC2M 3AD


To achieve long-term capital growth in the value of assets by investing incompanies inAsia which the Managers believe will benefit from the economic growthand development of the region.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds.The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Far East 2,3,4,5,7,12

Inc UT A CIAOnly

1.25 1.70 0.35 2.30 IE00B3BC5T90

Baring China Growth(Acc)



To achieve long-term capital growth in the value of assets by investingpredominantly in companies which the Company believes will benefitfrom the economic growth and development of China.*This Fund is not available for the Offshore Collective Investment Bond.

Far East 2,3,4,5,6,7

Acc OEIC A CIAOnly

1.50 2.10 0.50 2.70 GB00B2QZGN77

Baring EasternEurope (Inc)

Baring InternationalFund Managers(Ireland) Limited -George’s Court, 54-62Townsend Street,Dublin 2, Ireland

NorthernTrustFiduciaryServices(Ireland)Limited (T)

To achieve long-term capital appreciation through investment in adiversified portfolio of securities of issuers located in or with a significantexposure to the emerging markets of Europe.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Emer Mkt 2,4,5,7

Inc UT AGBPInc

CIAOnly

1.50 2.00 0.50 2.60 IE00B4VQT291

Baring Eastern Trust(Acc)



To achieve capital growth by investing in economic sectors in Asia andthe Pacific excluding Japan.

Far East 2,4 Acc UT A CIAOnly

1.50 1.80 0.50 2.40 GB0000799923

Baring EmergingMarkets (Acc)



To achieve long-term capital growth through investment, both direct andindirect, in a diversified portfolio of emerging market securities.

Emer Mkt 2,4,5 Acc OEIC A CIAOnly

1.50 1.85 0.50 2.50 GB0004513189

Baring Europe SelectTrust (Inc)



To achieve long-term capital growth by investing directly (and, whereappropriate, indirectly) in securities of European companies.

European 1,3,4,12

Inc UT A CIAOnly

1.50 1.60 0.50 2.20 GB0000796242

Baring EuropeanGrowth Select Trust(Inc)



To achieve capital growth by investing in Europe. European 4 Inc UT A CIAOnly

1.50 1.70 0.50 2.30 GB0000804335

Baring GermanGrowth (Acc)



To achieve long-term capital growth through investment in Germancompanies.

European 4 Acc UT A CIAOnly

1.50 1.60 0.50 2.20 GB0000822576

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Baring GlobalAgriculture (Acc)



To achieve long-term growth in the value of assets, predominantly byinvesting in companies where the majority of earnings are derived fromactivities related to any commodities which are grown or raised,commonly known as agriculture or soft commodities.

Gbl Spec 2,4,5,6,7,11

,12

Acc OEIC A CIAOnly

1.50 1.70 0.50 3.00 GB00B3B9V927

Baring Global Bond(Inc)



To achieve income and long-term capital growth through investmentworldwide in securities bearing fixed or variable rate income and, whereappropriate, securities with equity participation.

Int Fixd 4 Inc UT A CIAOnly

1.25 1.30 0.35 1.90 GB0000831759

Baring Global Growth(Inc)



To achieve long-term capital growth by investing in any country and inany economic sector of the world through a wide range of internationalmarkets.

Gbl Spec 2,4 Inc UT A CIAOnly

1.50 1.80 0.50 2.40 GB0000807676

Baring Japan Growth(Acc)



To achieve capital growth by investing in Japan. Japan 4 Acc UT A CIAOnly

1.50 1.70 0.50 2.40 GB0000798628

Baring Korea Trust(Acc)



To achieve capital growth by investing directly or indirectly in securities ofKorean companies or other entities or subsidiaries of Korean companiesand securities listed or traded on the Korean securities markets.

Gbl Spec 1,2,3,4,12

Acc UT A CIAOnly

1.50 1.70 0.50 2.40 GB0000840719

Baring Multi Asset(Inc/Acc)



To generate a capital return which exceeds UK inflation over the mediumto long term. The fund will hold a diversified portfolio of investments in arange of asset classes including equities, fixed interest securities,property, gold, commodities and cash.

Managed 2,4,5,6,7,12

Inc/Acc

OEIC A CIAOnly

1.50 1.74 0.50 2.30 GB00B3VBC734/GB00B3VBC841

Baring Portfolio (Inc/Acc)



To achieve growth in capital and income by investing in any country andin any economic sector of the world. The Fund will primarily consist of aspread of UK and international investments in both equities and fixedincome securities.


UT A CIAOnly

1.50 1.60 0.50 2.30 GB0000804665/GB0000804996

Baring UK Growth(Inc)



To achieve long-term growth through selective investment in the UK. UK Equity n/a Inc UT A CIAOnly

1.50 1.60 0.50 2.20 GB0000819085

Bedlam EmergingMarkets (Inc)

Bedlam AssetManagement Plc -George’s QuayHouse, 54-62Townsend Street,Dublin 2, Ireland

NorthernTrustInvestorServices(Ireland)Limited (D)

To achieve preservation of capital and the generation of an absolutereturn which is significantly in excess of those available from bankdeposits and Government bonds. The fund will invest primarily in listedequities meeting Bedlam's proprietary single investment process, which isfocused on identifying the best businesses operating in emerging marketsand is unconstrained by indices.*1.4% maximum charge per quarter. For illustration purposes an AMC of1.82% is used. This assumes a constant growth rate of 7% per annumeffective.***Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Emer Mkt 2,3,4,6,12,14

Inc OEIC A Yes 1.82 4.36 0.35 5.10 IE0032039145

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Bedlam Global (Inc) Bedlam AssetManagement Plc -George’s QuayHouse, 54-62Townsend Street,Dublin 2, Ireland


To achieve preservation of capital and the generation of an absolute totalreturn which is significantly in excess of those available from bankdeposits and Government bonds. The fund will invest primarily in listedequities meeting Bedlam's proprietary single investment process, which isfocused on identifying the best businesses globally and is unconstrainedby indices*1.4% maximum charge per quarter. For illustration purposes an AMC of1.82% is used. This assumes a constant growth rate of 7% per annumeffective.***Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Gbl Spec 2,3,4,6,12,14

Inc OEIC A Yes 1.82 1.71 0.35 2.30 IE0032038956

Bedlam Japan (Inc) Bedlam AssetManagement Plc -George’s QuayHouse, 54-62Townsend Street,Dublin 2, Ireland


To achieve preservation of capital and the generation of an absolutereturn which is significantly in excess of those available from bankdeposits and Government bonds. The fund will invest primarily in listedequities meeting Bedlam's proprietary single investment process, which isfocused on identifying the best businesses and is unconstrained byindices.*1.4% maximum charge per quarter. For illustration purposes an AMC of1.82% is used. This assumes a constant growth rate of 7% per annumeffective.***Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Japan 3,4,6,14

Inc OEIC A Yes 1.82 1.52 0.35 2.10 IE00B02YSF00

Bedlam UK (Inc) Bedlam AssetManagement Plc -George’s QuayHouse, 54-62Townsend Street,Dublin 2, Ireland


To achieve preservation of capital and the generation of an absolutereturn which is significantly in excess of those available from bankdeposits and Government bonds. The fund will invest primarily in listedequities meeting Bedlam's proprietary single investment process, which isfocused on identifying the best businesses and is unconstrained byindices.*1.4% maximum charge per quarter. For illustration purposes an AMC of1.82% is used. This assumes a constant growth rate of 7% per annumeffective.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

UK Equity 3,4,6,14

Inc OEIC A Yes 1.82 1.41 0.35 2.00 IE0032039038

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BlackRock AbsoluteReturn Bond (Acc)

BlackRock - 33 KingWilliam Street,London EC4R 9AS


To seek to achieve a positive absolute return for investors regardless ofmarket movements and as such the fund will not be managed against anyfixed income benchmark. The Annual Management Charge for this fundincludes an allowance for a performance-related fee, for furtherinformation please go to the rear of this document. *This Fund is notavailable for the Offshore Collective Investment Bond.

Int Fixd 4,5,6,7,9,12

,14

Acc UT P Yes 1.79 1.97 0.25 2.60 GB00B5LVV365

BlackRock ActiveManaged Portfolio(Inc/Acc)



To achieve long term capital growth by investing in a global portfolio ofequities, as well as fixed income securities, collective investmentschemes, cash in sterling or other currencies and money marketinstruments. Investment may be made in any and all economic sectors,although under normal market conditions there will be an emphasis onthe UK.


UT A Yes 1.50 1.72 0.50 2.40 GB0002403789/GB0002403904

BlackRock BalancedGrowth Portfolio (Inc/Acc)



To achieve capital growth, with opportunity for additional incomegeneration depending on market conditions. Investment may be made ina global portfolio of equities and fixed income securities, as well ascollective investment schemes, cash in sterling or other currencies (in theform of deposits and/or forward contracts) and money marketinstruments. Investment may be made in any and all economic sectors,although under normal market conditions there will be an emphasis onthe UK.

Managed 4,5,6,7,11

Inc/Acc

UT A Yes 1.50 1.68 0.50 2.40 GB0005810667/GB0005810774

BlackRock BalancedIncome Portfolio (Inc/Acc)



To provide an income higher than that of the FTSE All-Share Indexwithout sacrificing the benefits of long-term capital growth. Investmentmay be made in a global portfolio of equities and fixed income securities,as well as collective investment schemes, cash in sterling or othercurrencies (in the form of deposits and/or forward contracts) and moneymarket instruments. Investment may be made in any and all economicsectors, although under normal market conditions there will be anemphasis on the UK.

Managed 4,5,6,7,11

Inc/Acc

UT A Yes 1.50 1.72 0.50 2.40 GB0005800635/GB0005809990

BlackRock Cash (Inc/Acc)



To achieve a competitive rate of interest for unitholders, consistent withpreservation of principal (capital) and liquidity, principally from a portfolioof cash, deposits, and money-market instruments. These types ofinvestments may be issued by both UK and non-UK issuers, but shall bedenominated in Sterling. The fund will be actively managed. The fund isnot recommended for investors seeking long-term capital growth. *ThisFund is not available through the Individual Savings Account (ISA).

Cash/MM 6 Inc/Acc

UT A CIAOnly

0.50 0.58 0.00 1.10 GB0005849350/GB0005849467

BlackRock CautiousPortfolio (Inc/Acc)



To deliver over the medium term a total return, in the form of capitalgrowth and income, which exceeds the Bank of England’s base interestrate. It will invest principally in fixed interest stocks (corporate andGovernment), UK and overseas equities, units in collective investmentschemes, cash and near cash, money market instruments and deposits.*This Fund is not available for the Offshore Collective Investment Bond.


UT A Yes 1.25 1.43 0.50 2.10 GB00B1577H81/GB00B1577C37

BlackRockContinental Europe(Inc/Acc)



To achieve long-term growth by investing in a portfolio of mainlyContinental European companies, although it can also invest in the UK.The generation of income will not be a consideration of the Fund.

European 4 Inc/Acc

UT A Yes 1.50 1.69 0.50 2.30 GB0005804504/GB0005804728

BlackRockContinental EuropeanEquity Tracker (Acc)



To seek to achieve capital growth for investors by tracking closely theperformance of the FTSE Continental Europe Index by investing incompanies in the Index.

European 3,4 Acc UT L CIAOnly

0.20 0.23 0.00 0.80 GB00B08HDG97

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BlackRockContinental EuropeanIncome Inc/Acc)



To achieve an above average income from its equity investments,compared to the income yield of European equity markets (excluding theUK), without sacrificing long term capital growth. The fund will investprimarily in the equity securities of companies domiciled in, or exercisingthe predominant part of their economic activity in Europe excluding theUK. *This Fund is not available for the Offshore Collective InvestmentBond & is only available in accumulation units for the Onshore CollectiveInvestment Bond.

European 2,6,11 Inc/Acc

UT A Yes 1.50 1.67 0.50 2.30 GB00B3ZW3465/GB00B43MZ612

BlackRock CorporateBond (Inc/Acc)



To maximise total return by investing principally in corporate bonds andother interest bearing securities. Exposure to non-sterling denominatedassets will typically be hedged back to sterling.

UK Fixed 5,6,11,12

Inc/Acc

UT A Yes 1.00 1.09 0.35 1.80 GB0003749982/GB0005769541

BlackRock CorporateBond Tracker (Acc)



To achieve a total return for investors by tracking closely the performanceof the iBoxx £Non-Gilts Overall TR Index by investing in fixed incomesecurities contained in the Index.

UK Fixed 5,6,12 Acc UT L CIAOnly

0.20 0.23 0.00 0.90 GB00B5MMQ552

BlackRock DynamicFund (Inc/Acc)



To achieve long-term capital growth for investors. The Fund investsprimarily in the shares of companies incorporated or listed in the UnitedStates which the manager considers exhibit either growth or valueinvestment characteristics, placing an emphasis as the market outlookwarrants. The Fund may also invest in collective investment schemes.

Nth Amer 2,4 Inc/Acc

UT A Yes 1.50 1.68 0.50 2.30 GB0005803191/GB0005804165

BlackRock EmergingMarkets (Inc/Acc)



To achieve long-term capital growth for investors. The Fund investsprimarily in the shares of companies incorporated or listed in emergingmarkets. The Fund may also invest in collective investment schemes.


UT A Yes 1.50 1.72 0.50 2.40 GB0005860837/GB0005860944

BlackRock EmergingMarkets EquityTracker (Acc)



To achieve capital growth for investors by tracking closely theperformance of the FTSE All-World Emerging Index by investing incompanies in the Index.

Emer Mkt 2,3,4,6,12

Acc UT L CIAOnly

0.20 0.28 0.00 0.80 GB00B4M5NH84

BlackRock EuropeanAbsolute Alpha (Acc)



To achieve a positive absolute return for investors. The fund investsprimarily in a portfolio of equities and equity-related securities (includingderivatives) of companies incorporated or listed in the EuropeanEconomic Area and Switzerland, although from time to time cash andnear cash may be held. *The Annual Management Charge for this fundincludes an allowance for a performance-related fee, for furtherinformation please go to the rear of this document.

Gbl Spec 4,6,7,14

Acc UT P Yes 3.09 3.33 0.50 4.10 GB00B4Y62T40

BlackRock EuropeanDynamic (Inc/Acc)



To achieve long-term capital growth for investors. The Fund investsprimarily in the shares of companies incorporated or listed in Europeexcluding the UK which the manager considers exhibit either growth orvalue investment characteristics, placing an emphasis as the marketoutlook warrants. The Fund may also invest in collective investmentschemes.

European 4 Inc/Acc

UT A Yes 1.50 1.68 0.50 2.30 GB0000494905/GB0000495209

BlackRock GlobalBond (Inc/Acc)



To produce a high level of income, consistent with capital appreciation.The fund invests primarily in government, corporate and supranationalbonds anywhere in the world and in any and all economic sectors. Thefund may also invest in collective investment schemes,money marketinstruments, cash, near cash and deposits. Derivatives may be used forthe purpose of efficient portfolio management.

Int Fixd 4,5,6 Inc/Acc

UT A Yes 1.00 1.09 0.35 1.70 GB0005849681/GB0005849798

BlackRock GlobalEquity (Inc/Acc)



Seeks to achieve long-term capital growth from investment primarily in aglobal portfolio of equity securities. The Fund's assets will generally beinvested in equity securities of companies domiciled in, or exercising asignificant part of their economic activity in, developed markets.

Gbl Spec 2, 4 Inc/Acc

UT A Yes 1.50 1.70 0.50 2.40 GB0000645019/GB0000646421

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BlackRock GlobalIncome (Inc/Acc)



To achieve an above average income from its equity investmentscompared to the income yield of global equity markets, without sacrificinglong term capital growth. The fund will invest primarily in the equitysecurities of companies domiciled in, or exercising the predominant partof their economic activity in developed markets. *This Fund is notavailable for the Offshore Collective Investment Bond & is only availablein accumulation units for the Onshore Collective Investment Bond.


UT A Yes 1.50 1.67 0.50 2.30 GB00B3R9X560/GB00B45NTV55

BlackRock GlobalProperty SecuritiesEquity Tracker (Acc)



To achieve capital growth by tracking closely the FTSE EPRA/NAREITGlobal Real Estate Series Developed Index by investing in companies inthe index. *This Fund is not available for the Offshore CollectiveInvestment Bond.

Property 3,4,6,12

Acc UT L CIAOnly

0.20 0.55 0.00 1.10 GB00B64FQP94

BlackRock Gold &General (Inc/Acc)



To achieve long term capital growth primarily through an activelymanaged portfolio of gold mining, commodity and precious metal relatedshares. The fund may also invest in other transferable securities andunits in collective investment schemes. Derivatives may also be used forthe purpose of efficient portfolio management.

Gbl Spec 2,3,4,12

Inc/Acc

UT A Yes 1.75 1.94 0.50 2.60 GB0001732584/GB0005852396

BlackRock JapanEquity Tracker (Acc)



To seek to achieve capital growth for investors by tracking closely theperformance of the FTSE Japan Index by investing in companies in theIndex.

Japan 3,4 Acc UT L CIAOnly

0.20 0.23 0.00 0.80 GB00B08HDJ29

BlackRock NorthAmerican EquityTracker (Acc)



To seek to achieve capital growth for investors by tracking closely theperformance of the FTSE World Americas Index by investing incompanies in the Index.

Nth Amer 3,4 Acc UT L CIAOnly

0.20 0.22 0.00 0.70 GB00B08HD588

BlackRock OverseasCorporate BondTracker (Acc)

BlackRock- 12Throgmorton Avenue,London, EC2N 2DL


To achieve a total return for investors by tracking closely the performanceof the BarclaysCapital Global Aggregate Corporate ex UK Index by investing in fixedincome securities contained in the index. *This Fund is not available forthe Offshore Collective Investment Bond.

Int Fixed 4,5,6 Acc UT L CIAOnly

0.20 0.22 0.00 0.80 GB00B58Z2382

BlackRock OverseasGovernment BondTracker (Acc)

BlackRock- 12Throgmorton Avenue,London, EC2N 2DL


To achieve a total return for investors by tracking closely the performanceof the JPMorgan Global Government Bond Index ex UK by investing in fixedincome securities contained in the index. *This Fund is not available forthe Offshore Collective Investment Bond.

Int Fixed 4,6 Acc UT L CIAOnly

0.20 0.22 0.00 0.70 GB00B59HT769

BlackRock Pacific exJapan Equity Tracker(Acc)



To seek to achieve capital growth for investors by tracking closely theperformance of the FTSE World Asia-Pacific ex-Japan Index by investingin companies in the Index.

Far East 2,3,4 Acc UT L CIAOnly

0.20 0.26 0.00 0.80 GB00B08HD695

BlackRock UK (Inc/Acc)



To achieve long-term capital growth for unit holders who,correspondingly, are prepared to accept a lower than market averageyield. It will invest in UK equities predominately of a blue chip nature.

UK Equity n/a Inc/Acc

UT A Yes 1.50 1.67 0.50 2.40 GB0005773881/GB0005773774

BlackRock UKAbsolute Alpha (Acc)



To achieve a positive absolute return for investors. The fund investsprimarily in a portfolio of equities and equity-related securities (includingderivatives) of companies incorporated or listed in the UK, although fromtime to time cash and near cash may be held. *The Annual ManagementCharge for this fund includes an allowance for a performance-related fee,for further information please go to the rear of this document.

UK Equity 3,6,7,14

Acc UT P Yes 3.09 3.27 0.50 4.00 GB00B11V7T69

BlackRock UKDynamic (Inc/Acc)



To achieve capital growth for unit holders, with income of secondaryimportance. The Fund invests principally in a portfolio of quoted UKsecurities.


UT A Yes 1.50 1.67 0.50 2.40 GB0000962927/GB0000709062

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BlackRock UK EquityTracker (Acc)



To seek to achieve capital growth for investors by tracking closely theperformance of the FTSE All Share Index by investing in companies inthe Index.

UK Equity 3,4 Acc UT L CIAOnly

0.20 0.22 0.00 0.80 GB00B08HD810

BlackRock UK GiltsAll Stocks Tracker(Acc)



To seek to achieve a total return for investors by tracking closely theperformance of the FTSE Actuaries UK Gilts All Stocks TR Index byinvesting in fixed income securities contained in the Index.

UK Fixed 3,4,5,6

Acc UT L CIAOnly

0.20 0.22 0.00 0.70 GB00B08HD364

BlackRock UK Income(Inc/Acc)



A high and growing income and a good level of long-term capital growthfrom a high-quality portfolio of principally UK company shares.

UK Equity 11 Inc/Acc

UT A Yes 1.50 1.67 0.50 2.40 GB0005804835/GB0005804942

BlackRock UKSmaller Companies(Inc/Acc)



To invest in smaller companies in the UK, which are considered to haveabove-average long-term growth prospects.


UT A Yes 1.50 1.68 0.50 2.40 GB0005811301/GB0005811418

BlackRock UK SpecialSituations (Inc/Acc)



To achieve capital growth by investing primarily in shares of UKcompanies which appear undervalued. The Fund will normally have anemphasis on small or medium-sized companies, although larger sizedcompanies may also be held.


UT A Yes 1.50 1.67 0.50 2.40 GB0005803977/GB0005805022

BlackRock USOpportunities Fund(Inc/Acc)



To achieve long-term capital growth for investors. The Fund investsprimarily in shares of medium and smaller companies incorporated orlisted in the United States.


UT A Yes 1.50 1.69 0.50 2.30 GB0005811749/GB0005811855

BlackRock WorldResources Income(Inc/Acc)



To achieve an above average income from its equity investmentscompared to the income yield of the natural resources sector. The fundwill invest primarily in the equity securities of companies whosepredominant economic activity is in the natural resources sector whichincludes, but is not limited to, mining, agriculture and energy. *This Fundis not available for the Offshore Collective Investment Bond & is onlyavailable in accumulation units for the Onshore Collective InvestmentBond.

Gbl Spec 2,3,6,11

Inc/Acc

UT A Yes 1.75 1.91 0.50 2.60 GB00B3ZLCR97/GB00B3NP2M84

BNY Mellon American(Inc)

BNY Mellon FundManagers Limited -The Bank of NewYork Mellon Centre,160 Queen VictoriaStreet, London EC4V4LA

NationalWestminsterBank plc (D)

To achieve capital growth from a portfolio of US and Canadian securities. Nth Amer 3,4,12 Inc OEIC n/a Yes 1.50 1.66 0.50 2.30 GB0006778350

BNY Mellon GlobalStrategic Bond (Inc)



To maximise the total return from income and capital growth from aglobally diversified multi-sector fixed income portfolio of bonds and otherdebt instruments issued by corporations, agencies and governments indeveloped and emerging market economies.*This Fund is not available for the Offshore Collective Investment Bond.

UK Fixed 2,4,5,6,7,11

,12

Inc OEIC GBP Yes 1.25 1.40 0.35 2.00 GB00B4Y51Y95

BNY Mellon Long-Term Global Equity(Inc)



To achieve long-term capital appreciation through investments inpredominantly equity securities of companies located throughout theworld. *This Fund is not available for the Offshore Collective InvestmentBond.

Gbl Spec 2,3,4,6

Inc OEIC GBP Yes 1.50 1.63 0.50 2.20 GB00B2423L71

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CavendishOpportunities (Inc)

Cavendish AssetManagement Limited -Chelsea House, WestGate, London W51DR


To achieve long-term capital growth. UK Equity 1,6 Inc OEIC R Yes 1.50 1.58 0.50 2.20 GB0032212283

Cavendish Worldwide(Inc)

Cavendish AssetManagement Limited -Chelsea House, WestGate, London W51DR


To achieve long-term capital growth. Gbl Spec 2,4,5,6

Inc OEIC R Yes 1.50 1.63 0.50 2.20 GB0032222100

Cazenove DiversityIncome (Inc/Acc)

Cazenove InvestmentFund ManagementLimited - 12Moorgate, LondonEC2R 6DA


Seeks over the medium term to deliver a capital return that is in line with,or above, the consumer price index while also providing an averageincome distribution of 4 % per annum.*This Fund is not available for the Offshore Collective Investment Bond &is only available in accumulation units for the Onshore CollectiveInvestment Bond.

Managed 6,11 Inc/Acc

UT A Yes 1.00 2.07 0.35 2.70 GB00B41LY520/GB00B432ML56

Cazenove European(Acc)



To achieve long-term capital growth by investing in any or all Europeanmarkets, excluding the UK, and any or all economic sectors.

European 4 Acc OEIC B Yes 1.50 1.58 0.50 2.20 GB0031093353

Cazenove EuropeanIncome (Inc/Acc)



To aim to provide high income with some long-term capital growth byinvesting predominantly in companies incorporated in a member state ofthe EEA or Switzerland or in companies which derive a predominantproportion of their revenues or profits from these countries or which arepredominantly operating them. *This Fund is not available for theOffshore Collective Investment Bond & is only available in accumulationunits for the Onshore Collective Investment Bond.

European 3,4,6,9,11,12

Inc/Acc

OEIC B Yes 1.50 1.73 0.50 2.30 GB00B7CM2R31/GB00B79FC312

Cazenove ManagedPortfolio (Acc)



To deliver long-term capital growth from a diversified portfolio ofinvestments including equities, bonds, fixed interest, cash and any otherpermitted assets deemed appropriate to meet the investment objective.

Managed 2,4,6,10

Acc OEIC B Yes 1.25 2.18 0.35 2.80 GB0031092389

Cazenove Multi-Manager Diversity(Inc/Acc)


JP MorganTrustee andDepositaryCompanyLimited (T)

To achieve long-term capital growth in excess of inflation from a portfolioinvested across a broad range of asset classes.

Managed 2,4,5,6,7,10

,12

Inc/Acc

UT n/a Yes 1.00 1.80 0.35 2.60 GB0031537300/GB0031549263

Cazenove Multi-Manager DiversityBalanced (Inc/Acc)



To seek to deliver long term capital growth from exposure to a diversifiedportfolio of investments including equities, bonds, fixed interest and cash.It will also aim to provide moderate income. The trust will have exposureto both United Kingdom and overseas markets. *This Fund is notavailable for the Offshore Collective Investment Bond & is only availablein accumulation units for the Onshore Collective Investment Bond.

Managed 2,4,5,6,9,10

,11,12

Inc/Acc

UT A Yes 1.00 2.11 0.35 2.70 GB00B62C7F92/GB00B5T87K87

Cazenove Multi-Manager DiversityTactical (Inc/Acc)



To provide capital appreciation through exposure to a diverse range ofasset types including equities, bonds, fixed interest, cash and any otherpermitted assets deemed appropriate to meet the investment objective.

Managed 2,4,5,6,7,10

,12

Inc/Acc

UT n/a Yes 1.00 1.96 0.35 2.80 GB0031537292/GB0031549156

Cazenove Multi-Manager Global exUK (Inc/Acc)



To provide capital appreciation through investment in any and allgeographic areas of the world and in all economic sectors, outside theUK, through authorised unit trusts, open-ended investment companiesand other collective investment schemes across several investmentmanagement groups.

Gbl Spec 2,4,5,6,7,12

Inc/Acc

UT AInc/A

Acc

Yes 1.00 1.96 0.35 2.60 GB0031537185/GB0031548968

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Cazenove Multi-Manager UK Growth(Inc/Acc)



To provide capital appreciation through investment predominantly in theUK, in all economic sectors, through UK authorised unit trusts, open-ended investment companies and other collective investment schemesacross several investment management groups.


UT AInc/A

Acc

Yes 1.00 1.84 0.35 2.50 GB0031536880/GB0031548745

Cazenove StrategicBond (Inc/Acc)



To generate a total return above sterling cash interest rates, primarilythrough a flexible allocation to investment grade bonds, non-investmentgrade bonds and derivative instruments.


OEIC B Yes 1.00 1.07 0.35 1.60 GB00B11DNY92/GB00B11DNZ00

Cazenove UKAbsolute Target (Acc)



To achieve absolute returns through targeted investment strategiesindependent of UK market conditions or indices. *The AnnualManagement Charge for this fund does not include an allowance for aperformance-related fee, for further information please go to the rear ofthis document. *This Fund is not available for the Offshore CollectiveInvestment Bond .


Acc OEIC P1 Yes 1.25 1.44 0.35 2.00 GB00B39VWX15

Cazenove UKCorporate Bond (Inc)



To achieve a high income return together with capital growth by investingprimarily in fixed income instruments including bonds, notes of fixed andvariable interest, preference shares, convertibles and other securitiesissued by governments, banks and companies.

UK Fixed 5,7 Inc OEIC B Yes 1.00 1.10 0.35 1.70 GB0031093247

Cazenove UK EquityIncome (Inc)



To aim to provide a high level of income together with long term capitalgrowth by investing predominantly in United Kingdom equities. *ThisFund is not available for the Offshore Collective Investment Bond.

UK Equity 6,11 Inc OEIC B Yes 1.50 1.60 0.50 2.20 GB00B073JG03

Cazenove UK Growthand Income (Inc/Acc)



To achieve long-term capital and income growth through investmentprimarily in the UK. Investments will be made predominately in UKequities.


OEIC B Yes 1.50 1.57 0.50 2.20 GB0032312497/GB0032312505

Cazenove UKOpportunities (Acc)



To achieve an income return, together with long-term capital growth, byinvesting in any economic sector of the UK market.

UK Equity n/a Acc OEIC B Yes 1.50 1.60 0.50 2.20 GB0031092728

Cazenove UK SmallerCompanies (Acc)



To achieve long-term capital growth by investing primarily in UK smallercompanies, investing at least 80% of its assets in UK-listed companiesthat form the bottom 10% by market capitalisation.

UK Equity 12 Acc OEIC B Yes 1.50 1.60 0.50 2.20 GB0031092942

CF 7IM AAPAdventurous (Inc/Acc)

Seven InvestmentManagementAuthorised CorporateDirector: Capita FundManagers Limited - 17Rochester Row,Westminster, LondonSW1P 1QT

BNY MellonTrust andDepositary(UK) Limited(D)

To provide capital growth by applying active asset allocation techniquesto predominantly passive strategies. There is a risk of wide fluctuation incapital values.*For this fund, 7IM will make additional payments, based on the value ofholdings, to certain organisations who provide business support servicesto financial advisers. It will be paid from 7IM’s management charge andtherefore has no financial impact on the terms provided to you by 7IM,Skandia or your financial adviser. The payment is up to 0.30% per annumof the value of your investments in AAP funds, e.g. if your Fund value is£20,000, 7IM will pay up to £60 per annum. If you wish to know whetherthis applies to your investment please refer to your financial adviser.

Managed 2,4,5,6,7,10

,12

Inc/Acc

OEIC D Yes 1.40 1.51 0.50 2.10 GB00B39LMN11/GB00B39LHH08

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CF 7IM AAPBalanced (Inc/Acc)



To provide a balance of income and capital appreciation by applyingactive asset allocation techniques to predominantly passive strategies.There may be some risk to capital.*For this fund, 7IM will make additional payments, based on the value ofholdings, to certain organisations who provide business support servicesto financial advisers. It will be paid from 7IM’s management charge andtherefore has no financial impact on the terms provided to you by 7IM,Skandia or your financial adviser. The payment is up to 0.30% per annumof the value of your investments in AAP funds, e.g. if your Fund value is£20,000, 7IM will pay up to £60 per annum. If you wish to know whetherthis applies to your investment please refer to your financial adviser.

Managed 2,4,5,6,7,10,11,12

Inc/Acc

OEIC D Yes 1.40 1.50 0.50 2.10 GB00B39L9J61/GB00B39L9C92

CF 7IM AAPModeratelyAdventurous (Inc/Acc)



To provide a total return primarily by way of growth in capital by applyingactive asset allocation techniques to predominantly passive strategies.There is a risk of fluctuation in capital values.*For this fund, 7IM will make additional payments, based on the value ofholdings, to certain organisations who provide business support servicesto financial advisers. It will be paid from 7IM’s management charge andtherefore has no financial impact on the terms provided to you by 7IM,Skandia or your financial adviser. The payment is up to 0.30% per annumof the value of your investments in AAP funds, e.g. if your Fund value is£20,000, 7IM will pay up to £60 per annum. If you wish to know whetherthis applies to your investment please refer to your financial adviser.

Managed 2,4,5,6,7,10

,12

Inc/Acc

OEIC D Yes 1.40 1.53 0.50 2.10 GB00B39LH586/GB00B39LB902

CF 7IM AAPModerately Cautious(Inc/Acc)



To provide a total return, substantially by way of income though withsome capital appreciation by investing the majority of the portfolio in fixedinterest and equity instruments using predominantly passive strategies(that is strategies designed to track the performance of particular indices,market sectors or asset classes). There may be a moderate risk tocapital.*For this fund, 7IM will make additional payments, based on the value ofholdings, to certain organisations who provide business support servicesto financial advisers. It will be paid from 7IM’s management charge andtherefore has no financial impact on the terms provided to you by 7IM,Skandia or your financial adviser. The payment is up to 0.30% per annumof the value of your investments in AAP funds, e.g. if your Fund value is£20,000, 7IM will pay up to £60 per annum. If you wish to know whetherthis applies to your investment please refer to your financial adviser.

Managed 2,4,5,6,7,10,11,12

Inc/Acc

OEIC D Yes 1.40 1.55 0.50 2.10 GB00B39LMT72/GB00B39LMP35

CF 7IM Adventurous(Inc/Acc)



To provide capital growth by investing predominantly in a range ofcollective investment vehicles and securities managed by selected fundmanagers. There is a risk of wide fluctuations in capital values.

Managed 2,4,5,6,7,10

,12

Inc/Acc

OEIC D Yes 1.40 2.08 0.50 2.70 GB00B0438002/GB00B0438440

CF 7IM Balanced (Inc/Acc)



To provide a balance of income and capital appreciation by investingpredominantly in a range of collective investment vehicles and securitiesmanaged by selected fund managers. There may be some risk to capital.

Managed 2,4,5,6,7,10,11,12

Inc/Acc

OEIC D Yes 1.40 1.91 0.50 2.50 GB00B0438F50/GB00B0438B13

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CF 7IM Income (Inc/Acc)



To provide an above-average level of income, while seeking to maintaincapital over the longer term by investing predominantly in a range ofsecurities and collective investment vehicles managed by selected fundmanagers. There may be some risk to capital.

Managed 2,4,5,6,7,10,11,12

Inc/Acc

OEIC D Yes 1.55 1.80 0.50 2.40 GB00B0438H74/GB00B0438L11

CF 7IM ModeratelyAdventurous (Inc/Acc)



To provide a total return primarily by way of growth in capital by investingpredominantly in a range of collective investment vehicles and securitiesmanaged by selected fund managers. There is a risk of fluctuations incapital values.

Managed 2,4,5,6,7,10

,12

Inc/Acc

OEIC D Yes 1.40 2.00 0.50 2.60 GB00B0438P58/GB00B0438N35

CF 7IM ModeratelyCautious (Inc/Acc)



To provide a total return substantially by way of income though with somecapital appreciation by investing predominantly in a range of collectiveinvestment vehicles and securities managed by selected fund managers.There may be a moderate risk to capital.

Managed 2,4,5,6,7,10,11,12

Inc/Acc

OEIC D Yes 1.40 1.86 0.50 2.50 GB00B0438Q65/GB00B0438T96

CF 7IM PersonalInjury (Inc/Acc)



To provide a long-term total return from investment in a range of assetclasses. The fund has been designed to be potentially suitable forinvestment by or on behalf of individuals who have been granted personalinjury awards but is not restricted to such persons.

7IM will make additional payments, based on the value of holdings, toNestor Partnership LLP for consulting services provided to 7IM in relationto the strategic asset allocation strategy for the CF 71M Personal InjuryFund; however, the Investment Manager has final decision makingauthority. It will be paid from 7IM’s management charge and thereforehas no financial impact on the terms provided to you by 7IM, Skandia oryour financial adviser.

Managed 4,5,6,11

Inc/Acc

OEIC D Yes 1.40 1.66 0.50 2.30 GB00B6179Y81/GB00B61K3671

CF Eclectica AbsoluteMacro (Acc)

Eclectica InvestmentFundsAuthorised CorporateDirector: Capita FundManagers Limited - 17Rochester Row,Westminster, LondonSW1P 1QT

BNY MellonTrust &Depositary(UK) Limited(D)

To generate positive and uncorrelated absolute returns in all marketconditions over a 12 month period by employing actively managedstrategic asset allocation across all of the assets eligible for a UCITSscheme including global equity, bonds, foreign exchange and cash andother financial instruments. *This Fund is not available for the OffshoreCollective Investment Bond.

Managed 2,3,4,5,6,7,12,14

Acc OEIC A Yes 1.75 1.98 0.50 2.60 GB00B2PJSV25

CF EclecticaAgriculture (Acc)

Eclectica InvestmentFundsAuthorised CorporateDirector: Capita FundManagers Limited - 17Rochester Row,Westminster, LondonSW1P 1QT


To achieve long-term capital growth through investment in a diversifiedportfolio of global quoted equity investments that are involved in, relatedto, concerned with or affected by agriculture and farming related issues.

Gbl Spec 2,3,4,6

Acc OEIC A Yes 1.75 1.88 0.50 2.50 GB00B1XGDS05

Fu

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CF JM Finn GlobalOpportunities (Acc)

JM Finn & CoAuthorised CorporateDirector: Capita FundManagers Limited - 17Rochester Row,Westminster, LondonSW1P 1QT

BrownBrothersHarrimanTrusteeServices(Ireland)Limited (D)

To seek capital and income growth from investments identified acrossglobal equity and/or bond markets.

Gbl Spec 2,4,5,6,11,12

Acc OEIC n/a CIAonly

1.50 1.66 0.50 2.30 GB0034116870

CF Midas BalancedGrowth (Acc)

Midas InvestmentFundsAuthorised CorporateDirector: Capita FundManagers Limited - 17Rochester Row,Westminster, LondonSW1P 1QT


To achieve capital growth through a highly diversified asset structure. Managed 2,4 Acc OEIC n/a Yes 1.40 1.61 0.50 2.20 GB0031467631

CF Midas BalancedIncome (Inc)

Midas InvestmentFundsAuthorised CorporateDirector: Capita FundManagers Limited - 17Rochester Row,Westminster, LondonSW1P 1QT


To achieve a relatively high level of growing income with additional capitalgrowth.

Managed 2,4,11 Inc OEIC n/a Yes 1.40 1.77 0.50 2.40 GB0031467961

CF Miton SelectAssets (Acc)

Miton AssetManagement LtdAuthorised CorporateDirector: Capita FundManagers Limited -Ibex House, 42-47Minories, LondonEC3N 1DX


Aims to prioritise capital growth by investing primarily in a full range ofboth open ended and closed ended funds. The mixed strategy willcombine the investment manager’s expertise in the investment trustsector and its knowledge of the open ended fund universe.

Gbl Spec 3,4,5,6,12

Acc OEIC A Yes 1.50 1.80 0.50 2.40 GB0031831026

CF Miton SpecialSituations (Acc)

Miton AssetManagement LtdAuthorised CorporateDirector: Capita FundManagers Limited - 17Rochester Row,Westminster, LondonSW1P 1QT


To provide long-term growth by investing in a portfolio of other authorisedfunds, worldwide equities, fixed interest stocks, cash and money marketinstruments.

Managed 2,4,5,6,12

Acc OEIC A Yes 1.50 1.73 0.50 2.30 GB00B031C923

CF Miton StrategicPortfolio (Acc)

Miton AssetManagement LtdAuthorised CorporateDirector: Capita FundManagers Limited - 17Rochester Row,Westminster, LondonSW1P 1QT


To provide long-term growth. The Fund aims to invest substantially inother authorised funds, but may also invest in UK and overseas equities,fixed interest securities and money market instruments.

Managed 4,5,6,12

Acc OEIC A Yes 1.50 2.13 0.50 2.80 GB00B010Y517

CF Octopus AbsoluteUK Equity (Inc/Acc)

Octopus InvestmentFundsAuthorised CorporateDirector: CapitaFinancial ManagersLimited - 17Rochester Row,Westminster, LondonSW1P 1QT


To achieve a positive absolute return for investors through investment inUK equities. The fund is managed against a cash Benchmark rather thanany UK equity index, reflecting the aim to deliver a positive return in allstock market conditions. *The Annual Management Charge for this fundincludes an allowance for a performance-related fee, for furtherinformation please go to the rear of this document.


OEIC A Yes 3.09 3.23 0.50 3.90 GB00B2Q5CL78/GB00B2PX1719

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Cirilium Balanced(Acc)

HendersonInvestment FundsLimited - 201Bishopsgate, London,EC2M 3AE


To achieve long-term capital growth through investment markets both inthe UK and overseas. The portfolio will be cautious in that it will bebroadly diversified across asset classes, but with a maximum exposure of60% to equities.*This Fund has been developed for clients of Intrinsic Financial PlanningLtd and their Appointed Representatives. As part of the arrangementbetween Intrinsic Asset Management Ltd and Henderson InvestmentFunds Limited, Intrinsic will receive a fee of up to 0.50% per annum of theNet Asset Value of the Fund. Assuming an investment value of £10,000,this fee would represent £50 per annum. This fee is included within theAnnual Management Charge of the Fund. This fee is in addition to thecommission that the firms will receive from Skandia which is disclosed onthe Key Features Illustration.

Managed 1,2,4,12

Acc OEIC R Yes 1.50 1.88 0.50 2.50 GB00B2Q8V089

Cirilium Conservative(Acc)



To achieve long term capital growth through investment markets both inthe UK and overseas. The portfolio will be conservative in that it will bebroadly diversified across asset classes, but with a maximum exposure of30% to equities.*This Fund has been developed for clients of Intrinsic Financial PlanningLtd and their Appointed Representatives. As part of the arrangementbetween Intrinsic Asset Management Ltd and Henderson InvestmentFunds Limited, Intrinsic will receive a fee of up to 0.50% per annum of theNet Asset Value of the Fund. Assuming an investment value of £10,000,this fee would represent £50 per annum. This fee is included within theAnnual Management Charge of the Fund. This fee is in addition to thecommission that the firms will receive from Skandia which is disclosed onthe Key Features Illustration. *This Fund is not available for the OffshoreCollective Investment Bond.

Managed 2,4,6 Acc OEIC R Yes 1.50 1.99 0.50 2.60 GB00B4LTHW43

Cirilium Dynamic(Acc)



To achieve long-term capital growth through investment markets both inthe UK and overseas. The portfolio will be diversified across assetclasses, but with a maximum exposure of 90% to equities.*This Fund has been developed for clients of Intrinsic Financial PlanningLtd and their Appointed Representatives. As part of the arrangementbetween Intrinsic Asset Management Ltd and Henderson InvestmentFunds Limited, Intrinsic will receive a fee of up to 0.50% per annum of theNet Asset Value of the Fund. Assuming an investment value of £10,000,this fee would represent £50 per annum. This fee is included within theAnnual Management Charge of the Fund. This fee is in addition to thecommission that the firms will receive from Skandia which is disclosed onthe Key Features Illustration.

Managed 3,4,11 Acc OEIC R Yes 1.50 1.95 0.50 2.60 GB00B2Q8TV58

Cirilium Moderate(Acc)



To achieve long-term capital growth through investment markets both inthe UK and overseas. The portfolio will be moderate in that it will bebroadly diversified across asset classes, but with a maximum exposure of80% to equities.*This Fund has been developed for clients of Intrinsic Financial PlanningLtd and their Appointed Representatives. As part of the arrangementbetween Intrinsic Asset Management Ltd and Henderson InvestmentFunds Limited, Intrinsic will receive a fee of up to 0.50% per annum of theNet Asset Value of the Fund. Assuming an investment value of £10,000,this fee would represent £50 per annum. This fee is included within theAnnual Management Charge of the Fund. This fee is in addition to thecommission that the firms will receive from Skandia which is disclosed onthe Key Features Illustration.

Managed 1,2,4,12

Acc OEIC R Yes 1.50 1.93 0.50 2.50 GB00B2Q8TP98

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Cirilium StrategicIncome



To provide an income in excess of the yield of the FTSE All Share Indexand with the prospect for some capital growth.*This Fund has been developed for clients of Intrinsic Financial PlanningLtd and their Appointed Representatives. As part of the arrangementbetween Intrinsic Asset Management Ltd and Henderson InvestmentFunds Limited, Intrinsic will receive a fee of up to 0.50% per annum of theNet Asset Value of the Fund. Assuming an investment value of £10,000,this fee would represent £50 per annum. This fee is included within theAnnual Management Charge of the Fund. This fee is in addition to thecommission that the firms will receive from Skandia which is disclosed onthe Key Features Illustration.**This Fund is not available for the Offshore Collective Investment Bond.

Managed 4,6,11 Inc OEIC n/a Yes 1.50 1.95 0.50 2.60 GB00B3TK6031

City FinancialDiversified (Inc/Acc)

City FinancialInvestment CompanyLimited, 21Ironmonger Lane,London, EC2V 8EY


To deliver a total investment return over the longer term throughinvestment in a diversified portfolio of collective investment schemes,investment trusts, other listed securities, cash or near cash, deposits,government and public securities and money market instruments.

Managed 3,4,7,11

Inc/Acc

OEIC A Yes 1.50 2.43 0.50 3.10 GB00B2QN5349/GB00B2QN5455

City FinancialDynamic (Inc/Acc)

City FinancialInvestment CompanyLimited, 21Ironmonger Lane,London, EC2V 8EY


To provide capital growth over the longer term through investment in adiversified portfolio of collective investment schemes, investment trusts,other listed securities, cash or near cash, deposits, government andpublic securities and money market instruments.

Managed 2,3,4,7,11,12

Inc/Acc

OEIC A Yes 1.50 2.51 0.50 3.20 GB00B2QN5786/GB00B2QN5893

Close DiscretionaryBalanced Portfolio(Acc)

Close AssetManagement (UK)Limited - 10 CrownPlace, London EC2A4FT

BNY MellonTrust andDepositary(UK) Limited(T)

To generate capital growth with some income.The fund will invest mainlyin equities, which may include shares in smaller companies andcompanies listed in emerging makets.*This Fund is only available in accumulation units for the OnshoreCollective Investment Bond & the Offshore Collective Investment Bond.

Managed 2,4,5,6,7,12

Acc UT n/a Yes 1.35 1.62 0.50 2.20 GB00B4YW1S49

Close DiscretionaryBond Income Portfolio(Inc/Acc)



To generate income whilst maintaining its capital value over the mediumterm by investingin fixed income securities, including government and corporate bonds,and deposits(including cash-like instruments and money market instruments).*This Fund is only available in accumulation units for the OnshoreCollective Investment Bond & the Offshore Collective Investment Bond.

Managed 4,6 Inc/Acc

UT n/a Yes 0.90 0.96 0.00 1.50 GB00B52T6M32/GB00B4VHW125

Close DiscretionaryConservative Portfolio(Inc/Acc)



To achieve income and moderate capital growth. The fund will investprimarily in equities and fixed interest securities (including governmentand corporate bonds(which may include emerging market and high yieldbonds))*This Fund is only available in accumulation units for the OnshoreCollective Investment Bond & the Offshore Collective Investment Bond.

Managed 2,4,5,6,7,12

Inc/Acc

UT n/a Yes 1.35 1.71 0.50 2.30 GB00B5152B32/GB00B4RL6Q19

Close DiscretionaryDiversified IncomePortfolio (Inc/Acc)



To achieve income with capital growth. The fund aims to have a yield inexcess of the FTSE All Share Index.*This Fund is only available in accumulation units for the OnshoreCollective Investment Bond & the Offshore Collective Investment Bond.

Managed 2,4,5,6,7,12

Inc/Acc

UT n/a Yes 1.10 1.41 0.25 2.00 GB00B589Q946/GB00B4X21294

Close DiscretionaryGrowth Portfolio (Acc)



To generate a capital growth. The fund will invest primarily in equities,which may include shares in smaller companies listed in emergingmarkets.*This Fund is only available in accumulation units for the OnshoreCollective Investment Bond & the Offshore Collective Investment Bond.

Managed 1,2,4,5,6,7,

12

Acc UT n/a Yes 1.35 1.57 0.50 2.20 GB00B4XWGV38

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Close SpecialSituations (Acc)



To achieve capital growth by exploiting special situations in individualcompanies or market sectors experiencing significant change throughinvesting in a focused equity portfolio of UK smaller companies.*This Fund is not available for the Offshore Collective Investment Bond &is only available in accumulation units for the Onshore CollectiveInvestment Bond.

UK Equity 4,6,12 Acc UT n/a Yes 1.50 1.59 0.50 2.80 GB00B14LTD15

ConBrio UKOpportunities (Inc/Acc)

Premier PortfolioManagers Limited -Eastgate Court, HighStreet, Guildford GU13DE


To invest primarily for long-term capital growth from a portfolio ofinvestments by actively investing in those companies, primarily within theUK, where the Investment Advisor believes there are above-averageopportunities for growth.

UK Equity 3 Inc/Acc

OEIC n/a Yes 1.60 3.19 0.50 3.90 GB00B1XQN911/GB00B1XQNB34

ConBrio UK SmallerCompanies (Inc/Acc)



To achieve long-term capital growth by investing predominantly in theshares of quoted smaller UK companies including those listed on theAlternative Investment Market.


OEIC n/a Yes 1.60 3.31 0.50 4.00 GB00B1XQNF71/GB00B1XQNG88

Dimensional Multi-Factor Balanced (Inc/Acc)

Dimensional FundsPLC - 70 Sir JohnRogerson's Quay,Dublin 2, Ireland


To achieve long-term total return by investing in equity securities ofcompanies traded on Recognised Markets in global developed andemerging market countries and fixed income securities of issuers inglobal developed countries and/or in underlying funds which provideexposure to such equity and/or fixed income securities, which theInvestment Manager deems eligible. *Please note that this fund isdomiciled outside of the UK. This means that rules and regulations madeunder the Financial Services & Markets Act 2000 of the United Kingdomfor the protection of investors do not apply to the fund and that theFinancial Services Compensation Scheme established by the FinancialServices Authority may not apply in relation to any investment in theFund. Additionally, the taxation of income and gains for UK residentinvestors may be different to UK domiciled funds. The tax liability willdepend on the fund’s Reporting status and whether income is treated asdividends or interest. Your financial adviser will be able to explain howthese differences impact you depending on the characteristics of the fundand your individual circumstances.

Managed 2,4,6,12

Inc/Acc

OEIC GBP CIAOnly

0.35 0.55 0.00 1.10 IE00B44MYD08/IE00B416SD35

Dimensional Multi-Factor Conservative(Inc/Acc)



To achieve long-term total return by investing in equity securities ofcompanies traded on Recognised Markets in global developed andemerging market countries and fixed income securities of issuers inglobal developed countries and/or in underlying funds which provideexposure to such equity and/or fixed income securities, which theInvestment Manager deems eligible. *Please note that this fund isdomiciled outside of the UK. This means that rules and regulations madeunder the Financial Services & Markets Act 2000 of the United Kingdomfor the protection of investors do not apply to the fund and that theFinancial Services Compensation Scheme established by the FinancialServices Authority may not apply in relation to any investment in theFund. Additionally, the taxation of income and gains for UK residentinvestors may be different to UK domiciled funds. The tax liability willdepend on the fund’s Reporting status and whether income is treated asdividends or interest. Your financial adviser will be able to explain howthese differences impact you depending on the characteristics of the fundand your individual circumstances.

Managed 2,4,6,12

Inc/Acc

OEIC GBP CIAOnly

0.30 0.50 0.00 1.00 IE00B5KL2L23/IE00B56FVB15

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Dimensional Multi-Factor Equity (Inc/Acc)



To achieve long-term total return by purchasing securities of companiestraded on Recognised Markets in global developed and emerging marketcountries which the Investment Manager deems eligible and/or to investup to 100% of the fund's net assets in underlying funds that theInvestment Manager considers to provide exposure to global equitiesconsistent with target investments of the fund. *Please note that this fundis domiciled outside of the UK. This means that rules and regulationsmade under the Financial Services & Markets Act 2000 of the UnitedKingdom for the protection of investors do not apply to the fund and thatthe Financial Services Compensation Scheme established by theFinancial Services Authority may not apply in relation to any investment inthe Fund. Additionally, the taxation of income and gains for UK residentinvestors may be different to UK domiciled funds. The tax liability willdepend on the fund’s Reporting status and whether income is treated asdividends or interest. Your financial adviser will be able to explain howthese differences impact you depending on the characteristics of the fundand your individual circumstances.


OEIC GBP CIAOnly

0.42 0.62 0.00 1.20 IE00B5SRBK47/IE00B3Z8MM50

Ecclesiastical AmityEuropean (Inc)

EcclesiasticalInvestmentManagement Limited -Beaufort House,Brunswick Road,Gloucester GL1 1JZ


To achieve long term capital growth and a reasonable level of income byinvesting in a diversified portfolio of European companies. The fundseeks to invest in a portfolio of companies which make a positivecontribution to society and the environment through sustainable andsocially responsible practices.

European 3,4,6,8

Inc OEIC A Yes 1.50 1.65 0.50 2.20 GB0008446626

Ecclesiastical AmityInternational (Inc)



To achieve long term capital growth and a reasonable level of incomethrough a diversified portfolio of international companies. The fund seeksto invest in a portfolio of companies which make a positive contribution tosociety and the environment through sustainable and socially responsiblepractices.

Gbl Spec 2,4,6,8

Inc OEIC A Yes 1.50 1.54 0.50 2.10 GB0008448663

Ecclesiastical AmitySterling Bond (Inc)



To provide an attractive level of income by investing in a highly diversifiedportfolio of Government and good quality fixed interest securities issuedby companies which make a positive contribution to society and theenvironment through sustainable and socially responsible practices.

UK Fixed 3,5,6,8,11

Inc OEIC A Yes 1.25 1.42 0.35 2.00 GB00B2PF8B06

Ecclesiastical AmityUK (Inc)



To achieve long term capital appreciation and a reasonable level ofincome by investing principally in UK companies. The fund seeks toinvest in a portfolio of companies which make a positive contribution tosociety and the environment through sustainable and socially responsiblepractices.

UK Equity 3,6,8 Inc OEIC A Yes 1.50 1.63 0.50 2.20 GB0009371310

Ecclesiastical HigherIncome (Inc)



To provide an above average and growing level of income together withcapital growth over the longer term. The Manager will seek to achieve theinvestment objective by investing in a mix of shares, fixed interestsecurities, bonds and such other investments that the Manager considersto be suitable.

UK Equity 3,5,6,11

Inc OEIC A Yes 1.25 1.35 0.50 1.90 GB0009449827

Ecclesiastical UKEquity Growth (Inc)



To achieve long-term capital growth with a reasonable level of income.The fund is designed to invest primarily in a range of UK incorporatedand/or listed companies which the Manager believes offer good potentialfor long-term capital growth.


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EFA OPM FixedInterest (Inc/Acc)

OPM FundManagement - CedarHouse, 3 Cedar Park,Cobham Road,Wimborne, DorsetBH21 7SB

State StreetTrusteesLimited (D)

To provide a high income by investing in a balance of highly rated andhigh yielding corporate and government bonds from around the world.

UK Fixed 4,5,6,11

Inc/Acc

OEIC R Yes 1.10 1.77 0.35 2.40 GB00B1VZ2C66/GB00B1VZ2H12

Elite CAM BalancedDiscretionary Portfolio(Acc)

WAY Fund ManagersLimited - CedarHouse, 3 Cedar Park,Cobham Road,Wimborne, Dorset,BH21 7SB

State StreetTrustees (D)

To provide a total return with an emphasis on providing capitalappreciation. Investments will be made on a multi-asset basis through aportfolio of transferable securities (including investment trusts), collectiveinvestment schemes, deposits, money market instruments andderivatives.*This Fund is not available for the Offshore CollectiveInvestment Bond.

Managed 6,7 Acc OEIC A CIAOnly

1.50 2.50 0.50 3.20 GB00B63M3941

Elite CAM CautiousDiscretionary Portfolio

WAY Fund ManagersLimited - CedarHouse, 3 Cedar Park,Cobham Road,Wimborne, Dorset,BH21 7SB

State StreetTrustees (D)

To provide a real return throughout the prevailing economic cycle.Investments will be made on a multi-asset basis, whilst focusing oncapital preservation and the limiting volatility, through a portfolio oftransferable securities (including investment trusts), collective investmentschemes, deposits, money market instruments and derivatives.

Managed 6,7 Acc OEIC A CIAOnly

1.50 2.48 0.50 3.10 GB00B65GPF46

Elite HasleyDiversifier Portfolio(Inc)

Hasley InvestmentFundsAuthorised CorporateDirector: WAY FundManagers Limited -Cedar House, 3Cedar Park, CobhamRoad, Wimborne,Dorset BH21 7SB


To achieve positive annual returns (on a total rate of return basis), in allmarket conditions, by the use of asset classes whose performance islargely unrelated to that of equity markets.

Managed 2,4,12 Inc OEIC R Yes 1.65 2.29 0.50 2.90 GB00B2PB0P64

Elite Hasley Multi-Strategy Portfolio (Inc)

Hasley InvestmentFundsAuthorised CorporateDirector: WAY FundManagers Limited -Cedar House, 3Cedar Park, CobhamRoad, Wimborne,Dorset BH21 7SB


To achieve long-term capital growth by means of strategic assetallocation between a variety of asset classes, markets and strategies.

Managed 2,4,12 Inc OEIC R Yes 1.65 2.29 0.50 2.90 GB00B1Z8MN25

F&C Corporate Bond(Inc)

F&C FundManagement Plc -Exchange House,Primrose Street,London EC2A 2NY

State StreetTrusteeLimited (T)

The Fund focuses on providing a high income through investmentprimarily in fixed interest securities while minimising exposure to highlevels of credit risk.

UK Fixed 6 Inc OEIC 1 Yes 1.00 1.42 0.35 2.00 GB0005801484

F&C EmergingMarkets (Acc)



To focus on opportunities for capital growth provided by investment in theworld's emerging economies.

Emer Mkt 4,12 Acc OEIC 1 Yes 1.50 1.74 0.50 2.30 GB0005751002

F&C Ethical Bond(Inc)


State StreetTrusteeLimited(T)

To maximise returns through investment primarily in fixed interestsecurities of an ethically screened and diversified list of companies.

UK Fixed 5,6,7,8

Inc OEIC 1 Yes 1.00 1.06 0.35 1.60 GB00B23YHT07

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F&C EuropeanGrowth and Income(Acc)



To achieve medium- to long-term capital growth and a high level ofincome, through investment primarily in European equities.

European 4,7,12 Acc OEIC 1 Yes 1.50 1.81 0.50 2.40 GB0008464082

F&C Extra IncomeBond (Inc)


State StreetTrusteesLimited (T)

The fund focuses on maximising income through investment primarily infixed interest securities, while seeking to control excessive credit risk. Thefund will invest predominantly in sterling and euro denominated fixedinterest securities which have varying levels of credit risk. Whilemaintaining a high level of income, the aim will be to achieve a widedegree of diversification.

UK Fixed 4,5,6 Inc OEIC 1 Yes 1.00 1.22 0.35 1.80 GB0009455436

F&C FTSE All-ShareTracker (Inc/Acc)



To focus on matching the capital growth of the UK ordinary share marketas represented by the FTSE All-Share Index by investing in the UK in alleconomic sectors. This is to be done through full replication of the Indexas far as is possible.


OEIC 1 Yes 0.30 0.43 0.00 0.90 GB0008464199/GB0033138024

F&C Global Bond(Inc/Acc)



The Fund focuses on investing in an international portfolio of interest-bearing securities including those issued or backed by the UKGovernment.

Int Fixd 6,12 Inc/Acc

OEIC 1 Yes 1.00 2.34 0.35 3.00 GB0033138685 /GB0033138578

F&C Global ThematicOpportunities (Acc)



To achieve medium- to long-term growth through investment primarily inglobal equities. The emphasis is on the main stock markets and inleading stocks, although smaller companies may be included.

Gbl Spec 4,12 Acc OEIC 1 Yes 1.50 2.33 0.50 3.00 GB0008464207

F&C High Income(Inc)



To provide a monthly income of 2% over base rate whilst keepingfluctuations in the unit price to a minimum. The Fund will hold structureddebentures, equities, fixed interest securities and other investments.


F&C LifestyleBalanced (Acc)



To provide total return by investing in UK equities with the balance of theFund allocated across principally non-UK equity markets including someexposure to emerging markets and UK corporate bonds with an allocationto property, all primarily through collective investment schemes.*In respect of investments into the F&C Lifestyle funds: F&C will makeadditional payments, based on the value of holdings, to certainorganisations who provide business support services to financialadvisers. They will be paid from F&C’s management charge andtherefore have no financial impact on the terms provided to you by F&C,Skandia or your financial adviser. The payment is up to 0.50% per annumof the value of your investments in the Lifestyle funds – for example ifyour fund value is £20,000, F&C will pay your financial adviser up to £100per annum. If you wish to know whether this applies to your investmentplease refer to your financial adviser.

Managed 2,4,6,7,10

Acc OEIC A Yes 1.50 1.99 0.50 2.60 GB00B1TMPN12

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F&C LifestyleCautious (Acc)



To provide total return by investing in UK equities and corporate bondswith a lower exposure to property and a greater exposure to non-UKequities, all primarily through collective investment schemes.*In respect of investments into the F&C Lifestyle funds: F&C will makeadditional payments, based on the value of holdings, to certainorganisations who provide business support services to financialadvisers. They will be paid from F&C’s management charge andtherefore have no financial impact on the terms provided to you by F&C,Skandia or your financial adviser. The payment is up to 0.50% per annumof the value of your investments in the Lifestyle funds – for example ifyour fund value is £20,000, F&C will pay your financial adviser up to £100per annum. If you wish to know whether this applies to your investmentplease refer to your financial adviser.

Managed 4,6,7,10

Acc OEIC A Yes 1.50 1.99 0.50 2.60 GB00B1TMPP36

F&C LifestyleDefensive (Acc)



To provide total return by investing in UK equities and corporate bondswith some exposure to property and non-UK equities, all primarily throughcollective investment schemes.*In respect of investments into the F&C Lifestyle funds: F&C will makeadditional payments, based on the value of holdings, to certainorganisations who provide business support services to financialadvisers. They will be paid from F&C’s management charge andtherefore have no financial impact on the terms provided to you by F&C,Skandia or your financial adviser. The payment is up to 0.50% per annumof the value of your investments in the Lifestyle funds – for example ifyour fund value is £20,000, F&C will pay your financial adviser up to £100per annum. If you wish to know whether this applies to your investmentplease refer to your financial adviser.

Managed 4,6,7,10

Acc OEIC A Yes 1.50 1.98 0.50 2.60 GB00B1TMPQ43

F&C Lifestyle Growth(Acc)



To provide total return by investing in UK equities with the balance splitbetween the major international markets and emerging markets with anallocation to UK corporate bonds and a small allocation to property, allprimarily through collective investment schemes.*In respect of investments into the F&C Lifestyle funds: F&C will makeadditional payments, based on the value of holdings, to certainorganisations who provide business support services to financialadvisers. They will be paid from F&C’s management charge andtherefore have no financial impact on the terms provided to you by F&C,Skandia or your financial adviser. The payment is up to 0.50% per annumof the value of your investments in the Lifestyle funds – for example ifyour fund value is £20,000, F&C will pay your financial adviser up to £100per annum. If you wish to know whether this applies to your investmentplease refer to your financial adviser.

Managed 2,4,6,7,10,12

Acc OEIC A Yes 1.50 1.99 0.50 2.60 GB00B1TMPR59

F&C Managed Growth(Inc/Acc)



To achieve medium- to long-term capital growth through investment in aselected portfolio of shares in other authorised and recognised collectiveinvestment schemes.

Managed 4,6 Inc/Acc

OEIC 1 Yes 1.50 1.85 0.50 2.50 GB0033141739/GB0033141846

F&C MaximumIncome Bond (Inc)



The Fund focuses on maximising returns through investment primarily inhigh-yielding global fixed interest securities. Concentration tends to be onUS dollar, sterling and euro denominated high-yielding fixed interestsecurities including non-investment grade bonds with a wide degree ofdiversification.

Int Fixd 4,5,6 Inc OEIC 1 Yes 1.25 1.40 0.35 2.00 GB0002053006

F&C North American(Acc)



To achieve capital growth and income from investing mainly in ordinaryshares in the US and Canada.

Nth Amer 4 Acc OEIC 1 Yes 1.50 1.95 0.50 2.60 GB0030281405

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F&C Pacific Growth(Acc)



To achieve capital growth through investment in companies based ortrading in Asian and Pacific markets excluding Japan.

Far East 2,3,4,12

Acc OEIC 1 Yes 1.50 1.80 0.50 2.40 GB0033143115

F&C StewardshipGrowth (Inc/Acc)



The Fund focuses on long-term capital growth and increasing incomewith the emphasis on capital growth. Investment is concentrated in UKcompanies whose products and practices we consider to be of long-termbenefit to the community both at home and abroad.


OEIC 1 Yes 1.50 1.73 0.50 2.30 GB0030834518/GB0030833981

F&C StewardshipIncome (Inc/Acc)


State StreetTrusteesLimited(T)

To achieve an above-average income with the prospect of capital growththrough investments in UK companies that we consider to be of long-termbenefit to the community both at home and abroad. It will tend to excludethose companies whose products and practices are considered to beharmful or which trade extensively with oppressive regimes.


OEIC 1 Yes 1.50 1.63 0.50 2.20 GB0030835697/GB0030835580

F&C StewardshipInternational (Inc/Acc)



Investment is concentrated in companies in any market whose operationsare considered to be a positive contribution to society, seeking to avoidcompanies which on balance are felt to be harming the world, its peopleor its wildlife.


OEIC 1 Yes 1.50 1.67 0.50 2.30 GB0030833767/GB0030833650

F&C Strategic Bond(Inc/Acc)



The Fund focuses on producing a high income by investing in corporatebonds and other fixed interest securities.


OEIC 1 Yes 1.00 1.15 0.25 1.70 GB0033145151/GB0033145268

F&C UK Alpha (Acc) F&C FundManagement Plc -Exchange House,Primrose Street,London EC2A 2NY

State StreetTrusteeLimited(T)

The Fund focuses on achieving medium- to long-term growth of capitalthrough investment mainly in UK equities. These tend to be leading UKcompanies although some may be smaller companies and/or may haveoverseas earnings as part of their trading profits.

UK Equity n/a Acc OEIC 1 Yes 1.50 1.75 0.50 2.40 GB0008463894

F&C UK EquityIncome (Inc/Acc)



To provide a yield significantly higher than that offered by the major UKequity indices with some long-term capital growth. The Fund manager willachieve this higher income by investing predominantly in equities(including preference shares and convertible bonds) with an above-average yield rather than investing in fixed interest securities. TheAuthorised Corporate Director may invest up to 10% of the portfoliooverseas. The Fund may invest indirectly through other permittedinvestment vehicles in accordance with its investment powers as set outin the Prospectus.


OEIC 1 Yes 1.50 1.84 0.50 2.50 GB0033146019/GB0033146126

F&C UK Property (Inc/Acc)



To maximise total return through investment mainly in a diversifiedportfolio of UK commercial property, seeking to add value throughstrategic asset allocation, stock selection and asset management.*This Fund is not available for the Offshore Collective Investment Bond &is only available in accumulation units for the Onshore CollectiveInvestment Bond.*The Total Expense Ratio for this fund includes allowance for a PropertyExpense Ratio, for further information please go to the rear of thisdocument.

Property 4,6,7,10

Inc/Acc

OEIC 1 Yes 1.50 2.36 0.50 3.00 GB00B620FM64 /GB00B6118210

F&C UK SmallerCompanies (Acc)



The Fund focuses on achieving medium- to long-term capital growththrough investment primarily in UK smaller companies.

UK Equity 12 Acc OEIC 1 Yes 1.50 2.01 0.50 2.60 GB0005801609

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F&C US SmallerCompanies (Inc)



To aim to achieve long term capital growth through investment in smallerand medium sized quoted companies in the U.S.A. There is no limit onthe fund's ability to invest in securities issued by the Government of theUnited States of America, subject to the Regulations. *This Fund is notavailable for the Offshore Collective Investment Bond.

Nth Amer 4,12 Inc OEIC 1 Yes 1.50 1.61 0.50 2.20 GB00B06PF580

Fidelity American(Acc)

Fidelity InvestmentServices Limited -Oakhill House, 130Tonbridge Road,Hildenborough, KentTN11 9DZ


To achieve long-term capital growth from a portfolio primarily made up ofthe shares of US companies.

Nth Amer 4 Acc OEIC n/a Yes 1.50 1.69 0.50 2.30 GB0003865176

Fidelity AmericanSpecial Situations(Acc)



To achieve long term capital growth from a portfolio primarily made up ofthe shares of US companies.

Nth Amer 3,4,12 Acc OEIC n/a Yes 1.50 1.71 0.50 2.30 GB0003865390

Fidelity ChinaConsumer (Acc)



To achieve long term capital growth by investing primarily in the shares ofcompanies (equities) having their head office or exercising a predominantpart of their activities in China or Hong Kong. *This Fund is not availablefor the Offshore Collective Investment Bond.

Emer Mkt 2,3,4 Acc OEIC A Yes 1.50 1.71 0.50 2.30 GB00B6WFC751

Fidelity Emerging Asia(Acc)



To achieve long-term capital growth through investing principally insecurities of companies having their head office or exercising apredominant part of their activity in less developed countries of Asia thatare considered as emerging markets according to the MSCI EmergingMarkets Asia Index. *This Fund is not available for the Offshore CollectiveInvestment Bond.

Emer Mkt 2,4,6,7

Acc OEIC A Yes 1.50 1.80 0.50 2.40 GB00B662FD98

Fidelity EmergingEurope Middle Eastand Africa (Acc)



To generate long-term capital growth through investing primarily insecurities of companies having their head office or exercising apredominant part of their activity in Central, Eastern and Southern Europe(including Russia), Middle East and Africa.

Emer Mkt 2,4,7 Acc OEIC n/a Yes 1.50 1.74 0.50 2.30 GB00B29TR993

Fidelity EnhancedIncome (Inc/Acc)



To achieve income with the potential for some capital growth from aportfolio made up mainly of the securities of UK companies.


OEIC A Yes 1.50 1.78 0.50 2.40 GB00B3KB7682/GB00B3KB7799

Fidelity Equity GrowthDefender (Acc)



To achieve long term capital growth by investing in equities (primarily inthe UK) and cash instruments. It aims to protect the share value at 80%of the highest level ever reached, but this is not a guaranteed outcome.*This Fund is not available for the Offshore Collective Investment Bond.

Managed 6,13 Acc OEIC A Yes 1.25 0.00 0.35 0.50 GB00B58LM255

Fidelity European(Acc)



To achieve long-term capital growth from a portfolio primarily made up ofthe shares of Continental European companies.

European 4,12 Acc OEIC n/a Yes 1.50 1.72 0.50 2.30 GB0003874798

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Fidelity EuropeanOpportunities (Acc)



To provide long-term capital growth from a portfolio primarily made up ofthe shares of continential European companies.

European 2,4,12 Acc OEIC n/a Yes 1.50 1.72 0.50 2.30 GB0003874913

Fidelity Extra Income(Inc)



To achieve a relatively high level of income from a portfolio primarilyinvested in a combination of UK corporate and government bonds andother fixed income and money making securities, preference shares andconvertibles.

UK Fixed 5,6 Inc OEIC n/a Yes 1.25 1.46 0.35 2.00 GB0005314926

Fidelity FlexibleManaged (Acc)



To achieve long term capital growth by investing in a range of globalassets providing exposure mainly to global equities and global fixedincome securities, with a bias towards the UK.*This Fund is not available for the Offshore Collective Investment Bond &is only available in accumulation units for the Onshore CollectiveInvestment Bond.

Managed 2,4,6,7

Acc UT A Yes 1.50 1.79 0.50 2.40 GB00B4M6QX80

Fidelity GlobalDividend (Inc/Acc)



To achieve income and long-term capital growth from a portfolioconsisting primarily of the shares of companies from around the world.*This Fund is not available for the Offshore Collective Investment Bond &is only available in accumulation units for the Onshore CollectiveInvestment Bond.

Gbl Spec 4,6,9,11

Inc/Acc

OEIC A Yes 1.50 1.70 0.50 2.30 GB00B7FQHK03/GB00B7FQHJ97

Fidelity Global Focus(Acc)



To achieve long-term capital growth from a diversified portfolio primarilymade up of the shares of companies from around the world.

Gbl Spec 3,4 Acc OEIC n/a Yes 1.50 1.72 0.50 2.30 GB0003860789

Fidelity Global HighYield (Inc)



To achieve a combination of both income and capital growth from aportfolio primarily invested in high-yielding, sub investment gradesecurities of issuers globally (those with a rating of BB+ or less from theStandard & Poor's or equivalent rating from an internationally recognisedrating agency)*This Fund is not available for the Offshore Collective Investment Bond.

UK Fixed 4,5,6,7,9

Inc OEIC A Yes 1.25 1.45 0.35 2.00 GB00B7K77205

Fidelity GlobalInflation Linked Bond(Inc)



The aim of the fund is to generate an attractive real level of income andcapital appreciation by utilising a range of strategies from within, amongstothers, the global inflation-linked, interest rate and credit markets. *ThisFund is not available for the Offshore Collective Investment Bond.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Int Fixd 2,4,5,6,7

Inc SICAV

A CIAonly

0.50 0.86 0.00 1.40 LU0353648974

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Fidelity GlobalProperty (Acc)



To achieve a combination of income and long-term capital growth from aportfolio primarily made up of the securities of companies principallyinvolved in the real estate industry and other real estate-relatedinvestments.

Gbl Spec 2,3,4,11

Acc OEIC n/a Yes 1.50 1.77 0.50 2.40 GB00B1BXCS68

Fidelity Global RealAsset Securities (Acc)



To achieve long term capital growth from a portfolio primarily invested inthe shares of companies (equities) in companies from around the worldthat provide exposure to commodities, property, industrials, utilities,energy, materials and infrastructure.*This Fund is not available for theOffshore Collective Investment Bond.

Gbl Spec 3,4,6 Acc OEIC A Yes 1.50 1.73 0.50 2.30 GB00B460WB69

Fidelity Global SpecialSituations (Acc)



To achieve long-term capital growth from a portfolio primarily made up ofthe shares of companies around the world.

Gbl Spec 2,4,6,7,12

Acc OEIC n/a Yes 1.50 1.70 0.50 2.30 GB00B196XG23

Fidelity International(Acc)



To provide long-term capital growth from a portfolio of equities listed onmarkets around the world.

Gbl Spec 4 Acc OEIC n/a Yes 1.50 1.72 0.50 2.30 GB0003878773

Fidelity InternationalChina Focus (Inc)

FIL (Luxembourg) SA- 2-8 Avenue Charlesde Gaulle, L-1653,Luxembourg


The fund will primarily focus on China through investment in securities ofChinese companies listed in China and Hong Kong, as well as securitiesin non-Chinese companies which have a significant portion of theiractivities in China.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Far East 1,2,3,4

Inc OEIC A Yes 1.50 1.95 0.50 2.60 LU0200822756

Fidelity InternationalGlobal Focus (Inc)



To achieve long-term capital growth from a portfolio primarily invested instocks across the world's stock markets.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Gbl Spec 4 Inc OEIC A Yes 1.50 1.96 0.50 2.60 LU0157924183

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Fidelity InternationalIndia Focus (Inc)



To provide long-term growth, principally through investment in equitysecurities listed in India, as well as securities in non-Indian companiesthat derive a significant portion of earnings from India.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Emer Mkt 1,2,4 Inc OEIC A Yes 1.50 2.05 0.50 2.70 LU0197230971

Fidelity Japan (Acc) Fidelity InvestmentServices Limited -Oakhill House, 130Tonbridge Road,Hildenborough, KentTN11 9DZ


To provide long-term capital growth from a diversified portfolio ofJapanese equities. Investment may be made in both large- and small-sized companies.

Japan 4 Acc OEIC n/a Yes 1.50 1.73 0.50 2.30 GB0003877817

Fidelity Japan smallerCompanies (Acc)



To provide long-term growth from a portfolio of Japanese equities. Japan 4,12 Acc OEIC n/a Yes 1.50 1.73 0.50 2.30 GB0003860565

Fidelity Latin America(Inc)



The fund invests principally in securities of Latin American issuers. *ThisFund is not available for the Offshore Collective Investment Bond.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Emer Mkt 2,3,4 Inc SICAV

A Yes 1.50 1.97 0.50 2.60 LU0251125042

Fidelity Money BuilderUK Index (Acc)



To achieve long-term capital growth by closely matching the performanceof the FT-SE Actuaries All-Share Index. The ACD will aim to holdsecurities that represent the FT-SE Actuaries All-Share Index.

UK Equity n/a Acc OEIC n/a Yes 0.10 0.30 0.00 0.80 GB0003875324

Fidelity MoneyBuilderBalanced (Inc)



To achieve an attractive level of income together with some long termcapital growth from a portfolio invested primarily in the UK. The portfoliowill be invested in a combination of UK government and corporate bondsand other fixed interest securities, preference shares, convertibles andordinary shares.

UK Equity 4,6,11 Inc OEIC n/a Yes 1.00 1.21 0.50 1.80 GB0003878559

Fidelity MoneyBuilderDividend (Inc)



To achieve a combination of income and long-term capital growth from aportfolio primarily made up of investments in the UK, including ordinaryshares, preference shares, convertibles and fixed interest securities.

UK Equity 4,11 Inc OEIC n/a Yes 1.00 1.20 0.50 1.80 GB0003860904

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Fidelity MoneyBuilderGlobal (Acc)



To achieve long-term capital growth. It invests primarily in a range ofworldwide funds managed by Fidelity.

Gbl Spec 2,4 Acc UT n/a Yes 0.50 2.30 0.50 2.90 GB0003363297

Fidelity MoneyBuilderGrowth (Inc)



To achieve a combination of income and long term capital growth from aportfolio primarily made up of the shares of UK companies. The fund islikely to have a bias towards larger companies, although the ACD is notrestricted in its choice of company by either size or industry.


Fidelity MoneyBuilderIncome (Inc)



To achieve an attractive level of income from a portfolio primarily investedin sterling-denominated fixed interest securities.

UK Fixed 5,6 Inc OEIC n/a Yes 0.80 0.99 0.35 1.50 GB0003863916

Fidelity Multi AssetAllocator Balanced(Acc)



Aims to provide long term growth by investing primarily through otherregulated collective investment schemes, including schemes managed byFidelity in order to obtain a global exposure to mostly bonds, equities,commodities, property and cash. *This Fund is not available for theOffshore Collective Investment Bond.

Managed 2,4,5,6,7

Acc OEIC A Yes 1.00 1.17 0.35 1.70 GB00B6ZH3J74

Fidelity Multi AssetAllocator Defensive(Acc)



Aims to provide long term growth by investing primarily through otherregulated collective investment schemes, including schemes managed byFidelity in order to obtain a global exposure to mostly bonds andcash.*This Fund is not available for the Offshore Collective InvestmentBond.

Managed 2,4,5,6,7

Acc OEIC A Yes 1.00 1.17 0.35 1.70 GB00B6ZH9X39

Fidelity Multi AssetAllocator Growth(Acc)



Aims to provide long term growth by investing primarily through otherregulated collective investment schemes, including schemes managed byFidelity in order to obtain a global exposure to mostly equities,commodities and property.*This Fund is not available for the OffshoreCollective Investment Bond.

Managed 2,4,5,6,7

Acc OEIC A Yes 1.00 1.17 0.35 1.70 GB00B6ZH6P40

Fidelity Multi AssetDefensive (Acc)



To provide long term growth by investing mostly in a range of globalassets providing exposure to bonds and cash. The fund may also havesome exposure to equities, property and commodities. *This Fund is notavailable for the Offshore Collective Investment Bond.

Managed 2,4,5,6,7

Acc OEIC A Yes 1.25 1.58 0.35 2.20 GB00B3Y7XC09

Fidelity Multi AssetGrowth (Acc)



To provide long term capital growth by investing mostly in a range ofglobal assets providing exposure to equities, commodities and property.The fund will also have some exposure to bonds and cash. *This Fund isnot available for the Offshore Collective Investment Bond.

Managed 2,4,5,6,7

Acc OEIC A Yes 1.25 1.58 0.35 2.40 GB00B3VZ2641

Fidelity Multi AssetStrategic (Acc)



To achieve a combination of income and long-term capital growth byinvesting in a range of investments covering markets throughout theworld and providing exposure to bonds, equities, index-based commodityderivatives, property and cash.

Managed 2,4,7 Acc OEIC n/a Yes 1.25 1.59 0.50 2.20 GB00B1M29V45

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Fidelity Multi-AssetIncome (Acc)



To achieve a combination of income and long-term capital growth byinvesting in a range of investments covering markets throughout theworld and providing exposure to bonds, equities, index-based commodityderivatives, property and cash.

Managed 2,4,5,6,7

Acc OEIC n/a No 1.25 1.62 0.35 2.20 GB00B1VQRP77

Fidelity Multi-ManagerGrowth Portfolio (Acc)



To achieve long-term capital growth by investing in a wide range ofinvestment covering the UK and other markets throughout the world.Derivatives and forward transactions may also be used for investmentpurposes.

Managed 2,4,7 Acc OEIC n/a Yes 1.00 1.99 0.50 2.60 GB0033696567

Fidelity Multi-ManagerIncome Portfolio (Inc)



To provide an income along with some potential for capital growth byinvesting primarily in collective investment schemes managed by otherfund managers.

Managed 4,5,6,7,11

Inc OEIC n/a Yes 1.00 1.88 0.50 2.50 GB0033696674

Fidelity Portfolio (Acc) Fidelity InvestmentServices Limited -Oakhill House, 130Tonbridge Road,Hildenborough, KentTN11 9DZ


To provide long term capital growth by investing primarily in internationaland domestic growth orientated equity funds, fixed interest funds may beincluded when considered appropriate.

Managed 2,4,5,6

Acc UT n/a Yes 0.50 2.09 0.50 2.70 GB0003362000

Fidelity South EastAsia (Acc)



To achieve long-term capital growth from a portfolio made up of theshares of companies throughout the Pacific Basin, but excluding Japan.

Far East 2,4 Acc OEIC n/a Yes 1.50 1.76 0.50 2.40 GB0003879185

Fidelity SpecialSituations (Acc)



To achieve long-term capital growth from a portfolio primarily made up ofthe shares of UK companies.


Acc OEIC n/a Yes 1.50 1.70 0.50 2.30 GB0003875100

Fidelity StrategicBond (Inc/Acc)



To achieve a relatively high income with the possibility of capital growthfrom a portfolio primarily invested in sterling-denominated (or hedgedback to sterling) fixed interest securities.


OEIC A Yes 1.00 1.21 0.35 1.80 GB00B05NC857 /GB00B5M4BD49

Fidelity UKAggressive (Acc)



To achieve long-term capital growth from a portfolio primarily invested inthe shares of UK companies. The Manager aims to consistentlyoutperform the market by achieving a higher return than the FTSE All-Share Index.

UK Equity 2,4,12 Acc OEIC n/a Yes 1.50 1.72 0.50 2.30 GB0003864542

Fidelity UK Growth(Acc)



To achieve long-term capital growth. The Fund invests primarily in theshares of UK companies. It can also invest up to 20% of its value incompanies based outside of the UK. The portfolio is likely to have a biastowards larger and medium-sized companies.

UK Equity 2,4 Acc OEIC n/a Yes 1.50 1.70 0.50 2.30 GB0003878443

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Fidelity UK SmallerCompanies (Acc)



To achieve long term capital growth from a portfolio primarily made up ofthe shares of smaller capitalisation United Kingdom Companies. *ThisFund is not available for the Offshore Collective Investment Bond.

UK Equity 3,6,7,12

Acc OEIC A Yes 1.50 1.72 0.50 2.20 GB00B3SW2T17

Fidelity WealthBuilder(Acc)



To achieve long term capital growth by investing primarily in collectiveinvestment schemes, including schemes managed by Fidelity in order toobtain exposure to global markets.

Gbl Spec 2,4,6,7

Acc UT n/a Yes 1.40 1.64 0.50 2.20 GB00B8FDN994

First State AsiaPacific Leaders (Acc)

First StateInvestments (UK)Limited - 23 StAndrews Square,Edinburgh EH2 1BB


To achieve long-term capital growth. The Fund invests in large and midcapitalisation equities in the Asia Pacific region (excluding Japan,including Australasia).

Far East 2,3,4 Acc OEIC A Yes 1.50 1.55 0.50 2.10 GB0033874214

First State AsianProperties Securities(Inc/Acc)



To achieve a total investment return consistent with income and long-term capital growth. The Fund primarily invests in a broad selection ofAsian securities issued by real estate investment trusts or companies thatown, develop or manage real property.

Gbl Spec 2,3,4,10,11,

12

Inc/Acc

OEIC A Yes 1.50 2.28 0.50 2.90 GB00B1F76H10/GB00B1F76G03

First State EmergingMarkets Bond (Inc/Acc)



Aims to achieve a total return from income and capital appreciation. Thefund primarily invests in debt securities issued or guaranteed bygovernments, financial instutitions or companies in Emerging Markets.*This Fund is not available for the Offshore Collective Investment Bond &is only available in accumulation units for the Onshore CollectiveInvestment Bond.

Int Fixd 2,4,5,6,11

Inc/Acc

OEIC A Yes 1.25 1.46 0.35 2.00 GB00B620B735 /GB00B40L7J87

First State GlobalAgribusiness (Acc)



To achieve long-term capital growth. The Fund invests primarily in adiversified portfolio of equity and equity related instruments of issuers inthe agribusiness sector, and which are listed, traded or dealt in onregulated markets worldwide. *This Fund is not available for the OffshoreCollective Investment Bond.

Gbl Spec 3,4,12 Acc OEIC A Yes 1.50 2.04 0.50 2.70 GB00B3CR0325

First State GlobalEmerging MarketLeaders (Acc)



To achieve long-term capital growth. The Fund invests worldwide in largeand mid capitalisation equities in emerging economies, including those ofcompanies listed on developed market exchanges whose activitiespredominantly take place in emerging market countries.

Emer Mkt 2,3,4 Acc OEIC A Yes 1.50 1.58 0.50 2.20 GB0033873919

First State GlobalListed Infrastructure(Inc/Acc)



To achieve a total investment return consistent with income and long-term capital growth. The Fund invests in a diversified portfolio of listedinfrastructure and infrastructure related securities from around the world.

Gbl Spec 3,4,11,12

Inc/Acc

OEIC A Yes 1.50 1.65 0.50 2.20 GB00B24HJR07/GB00B24HJC53

First State GlobalOpportunities (Acc)



To achieve long-term capital growth. The Fund invests in equitiesworldwide, in any economic sector.

Gbl Spec 3,4,12 Acc OEIC A Yes 1.50 1.81 0.50 2.40 GB0030978612

First State GlobalProperty Securities(Inc/Acc)



To achieve a total investment return consistent with income and long-term capital growth. The Fund primarily invests in a broad selection ofsecurities issued by real estate investment trusts or companies that own,develop or manage real property from around the world.

Gbl Spec 2,3,4,10,11,

12

Inc/Acc

OEIC A Yes 1.50 1.79 0.50 2.40 GB00B1F76M62/GB00B1F76L55

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(£10

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ISIN

(IN

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CC

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First State GlobalResources (Acc)



To achieve long-term capital growth. The Fund invests in equities in thenatural resources and energy sectors worldwide.


Franklin MutualShares (Inc/Acc)

Franklin TempletonInvestmentManagement Limited -The Adelphi, 11thFloor, 1-11 JohnAdam Street, LondonWC2N 6HT


To achieve long term capital appreciation by investing primarily in USequity and debt related securities. Income generation is a secondaryconsideration.

Nth Amer 2,4,5,6,12

Inc/Acc

OEIC A Yes 1.50 1.75 0.50 2.40 GB0033305227/GB0033305110

Franklin UK Blue Chip(Inc)



To achieve a total return (i.e. a combination of capital growth and income)exceeding that of the FTSE All-Share Index, over the medium to longterm. The fund will primarily invest in the equity securities of leading UKcompanies which are listed in the FTSE 100 Index or that are consideredby the ACD to be 'Blue Chip' stocks.

UK Equity 4,6 Inc OEIC A Yes 1.50 1.64 0.50 2.20 GB00B6VBM074

Franklin UK EquityIncome (Inc)



To provide a dividend yield approximately 0.25% higher than that of theFTSE All-Share Index, together with capital growth over the medium tolong term. The fund will primarily invest in the equity securities of UKcompanies listed on the London Stock Exchange. To a lesser extent itmay also invest in fixed interest and other debt related securities andconvertible stocks.

UK Equity 4,5,6,11,12

Inc OEIC A Yes 1.50 1.54 0.50 2.10 GB00B6VBM744

Franklin UKManagers' Focus(Acc)



Aims to achieve a total return (i.e. a combination of capital growth andincome) exceeding that of the FTSE All-Share Index, over the medium tolong term. The Fund will primarily invest in the equity securities of up to50 small, medium and large UK companies.

UK Equity 3,4,6,12

Acc OEIC A Yes 1.50 1.63 0.50 2.20 GB00B4N2QK20

Franklin UK Mid Cap(Inc)



Aims to achieve capital growth exceeding that of the FTSE 250 Index(excluding investment company stocks) over the medium to long term.The fund will primarily invest in the equity securities of UK companieslisted in the FTSE 250 Index.

UK Equity 3,4,6 Inc OEIC A Yes 1.50 1.61 0.50 2.20 GB00B3ZGH246

Franklin UK SelectGrowth (Inc)



To achieve a total return (i.e. a combination of capital growth and income)exceeding that of the FTSE All-Share Index, over the medium to longterm. The fund will primarily invest in a portfolio of equity securities issuedby UK companies of any size or industry sector.

UK Equity 3,4,6,12

Inc OEIC A Yes 1.50 1.61 0.50 2.20 GB00B45MQD36

Franklin UK SmallerCompanies (Inc)



Aims to achieve capital growth in exceeding that of Hoare Govett SmallerCompanies Index over the medium to long term. The fund will primarilyinvest in the equity securities of smaller UK companies. Smallercompanies are defined as those which are quoted on a regulated marketand which have a market capitalisation no greater than the largestcompany in the Hoare Govett Smaller Companies Index.

UK Equity 4,6,12 Inc OEIC A Yes 1.50 1.65 0.50 2.20 GB00B45G7D25

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ISIN

(IN

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Franklin USOpportunities (Acc)



To provide capital appreciation in the long term through investment in USequities.

Nth Amer 1,4,6,12

Acc OEIC A Yes 1.50 1.70 0.50 2.30 GB00B3KD9P78

Fulcrum AlternativeBeta Plus Daily (GBP)SICAV (Inc)

Fulcrum AssetManagement LLP - 6Chesterfield Gardens,London W1J 5BQ

BanquePrivéeEdmond deRothschildEurope (T)

To deliver returns from diversified liquid risk premia (alternative beta) andtrading strategies (alpha) which have a low correlation to the traditionalasset classes of equities, bonds and commodities.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Gbl Spec 4,6,7 Acc OEIC D Yes 2.45 2.45 0.50 3.10 LU0415204774

Fundsmith Equity (Inc/Acc)

Fundsmith LLP, 33Cavendish Square,London, W1G 0PW


To achieve long term growth in value by investing in equities on a globalbasis.*This Fund is not available for the Offshore Collective InvestmentBond & is only available in accumulation units for the Onshore CollectiveInvestment Bond.

Gbl Spec 2,3,4,12

Inc/Acc

OEIC R Yes 1.50 1.69 0.50 2.30 GB00B4QBRK32 /GB00B4LPDJ14

GLG AmericanGrowth (Acc)

GLG PartnersInvestment FundsLimited - 9th Floor,Exchange House,Primrose Street,London EC2A 2EF


To achieve capital growth by investing in the quoted securities ofcompanies operating mainly in the United States of America although itmay also invest in any of the economic sectors of Canada and LatinAmerica.

Nth Amer 3,4 Acc OEIC A Yes 1.50 1.66 0.50 2.30 GB00B03HFQ80

GLG EspritContinental Europe(Acc)



To achieve above-average long-term capital growth through investing,directly or indirectly, in the quoted securities of companies listed onEuropean stock exchanges.

European 4,7,12 Acc OEIC A Yes 1.50 1.68 0.50 2.30 GB00B0119370

GLG GlobalCorporate Bond (A)(Acc)



To achieve an above average level of total return (interest income andcapital appreciation) through investing, directly or indirectly, in globalinvestment grade bonds.

Int Fixd 4,6,7 Acc OEIC A Yes 1.25 1.42 0.35 2.00 GB00B0118638

GLG GlobalCorporate Bond (B)(Inc)



To achieve an above average level of total return (interest income andcapital appreciation) through investing, directly or indirectly, in globalinvestment grade bonds.*This Fund is not available for the Offshore Collective Investment Bond orthe Onshore Collective Investment Bond.

Int Fixd 4,6,7 Inc OEIC B Yes 1.25 1.43 0.35 2.00 GB00B0118745

GLG Japan CoreAlpha (Acc)



To achieve capital growth through investing in the quoted securities ofcompanies operating in Japan.

Japan 3,4,11 Acc OEIC A Yes 1.50 1.66 0.50 2.30 GB00B0119933

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(£10

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ISIN

(IN

C/A

CC

)

GLG TechnologyEquity (Acc)



To achieve capital growth through investing, directly or indirectly, in aninternational portfolio of securities of companies involved in thetechnology, media and telecommunication industries.

Gbl Spec 2,3,4,7,12

Acc OEIC A Yes 1.75 1.92 0.50 2.50 GB00B0119H13

GLG UK Growth (Acc) GLG PartnersInvestment FundsLimited - 9th Floor,Exchange House,Primrose Street,London EC2A 2EF


To achieve capital growth through investing directly or indirectly primarilyin UK equities or in the equities of companies which derive a substantialpart of their revenues from activities in the UK.

UK Equity 3 Acc OEIC A Yes 1.50 1.66 0.50 2.30 GB00B0117440

HC CAERUS GlobalBalanced (Inc)

Host Capital Ltd - 73New Bond Street,London, W1S 1RS

CitibankInternationalplc (D)

To provide a high level of growing income together with capital growth byinvesting in a balanced and well diversified portfolio of UK andInternational equities, fixed interest securities including government andcorporate bonds. Investments will also be made in regulated collectiveinvestment schemes, money market instruments and cash deposits toprovide further diversification to the Fund in accordance with theRegulations. *This Fund is not available for the Offshore CollectiveInvestment Bond.

Managed 2,4,6,7,11,12

Inc OEIC B Yes 1.50 1.85 0.50 2.50 GB00B1DCMF80

HC CAERUS GlobalOpportunities (Acc)



To provide capital returns over the medium to long term by investing in adiversified global portfolio of units in regulated collective investmentschemes, and may also invest in transferable securities, government andpublic securities, money market instruments, deposits and warrants. *ThisFund is not available for the Offshore Collective Investment Bond.

Managed 4,6,12 Acc OEIC B Yes 1.50 2.91 0.50 3.60 GB00B1DCMJ29

HC CAERUS MonthlyIncome (Inc/Acc)



To provide a combination of income and capital growth over the mediumto long term by investing in a diversified portfolio of assets including, butnot limited to, transferable securities (including but not limited to shares inproperty companies), fixed interest securities, units or shares in collectiveinvestment schemes (including but not limited to regulated collectiveinvestment schemes whose investments include shares in propertycompanies) and money market instruments. *This Fund is not availablefor the Offshore Collective Investment Bond.


OEIC B Yes 1.50 1.92 0.50 2.50 GB00B1DCMG97/GB00B4N3W857

HC CAERUS UK &European Equity(Acc)



To provide long term capital growth by investing predominantly in a welldiversified portfolio of UK and European equities. The fund may alsoinvest in fixed interest securities, including Government and corporatebonds. There may also be some exposure to equities and fixed interestsecurities internationally, outside of Europe and the UK. *This Fund is notavailable for the Offshore Collective Investment Bond.

Managed 3,4,6,7,12

Acc OEIC B Yes 1.50 2.57 0.50 3.10 GB00B3W5D829

Henderson All StocksCredit (Inc/Acc)



To provide a return by investing primarily in sterling denominatedinvestment grade corporate bonds. The fund may invest in othertransferable securities, money market instruments, derivatives andforward transactions, deposits and units in collectiveinvestment schemes.

UK Fixed 3,5,6,7

Inc/Acc

OEIC A Yes 1.00 1.20 0.35 1.60 GB0007451072/GB00B409PD29

Henderson AsiaPacific Capital Growth(Acc)



To provide capital growth by investing in Pacific region and Indian sub-continent companies. The fund may invest in Australasia, but not inJapan. It is not restricted in the size of companies in which it can invest.

Far East 2,3,4,12

Acc OEIC A Yes 1.50 1.79 0.50 2.40 GB0007680183

Henderson AsianDividend Income UnitTrust (Inc)



To seek an above-benchmark (MSCI All Countries Asia Pacific ex JapanIndex) dividend yield from a portfolio of Asian stocks with a focus onvalue and long-term capital appreciation.

Far East 2,3,4,6,7

Inc UT n/a Yes 1.25 1.55 0.50 2.10 GB0003243465

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ISIN

(IN

C/A

CC

)

Henderson CautiousManaged (Inc/Acc)


HSBC BankPlc (D)

To provide a combination of income and long-term capital growth.Investment will be in a diversified portfolio of equities, bonds and otherrelated investments. At all times the investment in equities will be limitedto a maximum of 60% of the value of the Fund's portfolio.

Managed 4,5,6,11

Inc/Acc

OEIC R Yes 1.25 1.41 0.50 2.00 GB0032477308/GB0032477639

Henderson CautiousManaged (M) (Inc)


HSBC BankPlc (D)

To provide a combination of income and long-term capital growth.Investment will be in a diversified portfolio of equities, bonds and otherrelated investments. At all times the investment in equities will be limitedto a maximum of 60% of the value of the Fund's portfolio.

Managed 4,5,6,11

Inc OEIC M Yes 1.50 1.77 0.50 2.40 GB00B5BTGN53

Henderson ChinaOpportunities (Acc)


HSBC BankPlc (D)

To achieve a long-term return, in excess of the long-term return that istypically achieved from investments in Hong Kong and Chinese equitymarkets, by investing in companies having their registered office in HongKong or China and companies that do not have their registered office inHong Kong or China but either (i) carry out a predominant proportion ortheir business activity in these markets, or (ii) are holding companieswhich predominantly own companies with registered offices in Hong Kongor China.

Far East 2,3,4,12

Acc OEIC R Yes 1.50 1.68 0.50 2.30 GB0031860934

Henderson EmergingMarkets (Acc)



To aim to provide capital growth by investing in emerging marketcompanies. These companies will either be incorporated in emergingmarkets or, if incorporated elsewhere, derive a majority of their revenuefrom, or from activities related to, emerging markets.


Henderson EmergingMarkets Opportunities(Acc)


HSBC BankPlc (D)

To aim to achieve a long-term return, in excess of the long-term returnthat is typically achieved from emerging equity markets, by investingpredominantly in companies having their registered office in emergingmarkets, companies that do not have their registered office in emergingmarkets but either (i) carry out a predominant proportion of their businessactivity in these markets, or (ii) are holding companies whichpredominantly own companies with registered offices in emergingmarkets.

Emer Mkt 2,3,4,6,12

Acc OEIC R Yes 1.50 1.71 0.50 2.30 GB0031861015

Henderson EuropeanFocus (Acc)


HSBC BankPlc (D)

To achieve a long-term return, in excess of the long-term return that istypically achieved from European equity markets (excluding the UnitedKingdom), by investing in a concentrated portfolio of: companies havingtheir registered office in Europe (excluding the United Kingdom), orcompanies that do not have their registered office in Europe (excludingthe United Kingdom) but either (i) carry out a predominant proportion oftheir business activity in these markets, or (ii) are holding companieswhich predominantly own companies with registered offices in Europe(excluding the United Kingdom).

European 3,4,12 Acc OEIC R Yes 1.50 2.22 0.50 2.90 GB0031860595

Henderson EuropeanGrowth (Acc)



To achieve long-term capital growth. The Fund will invest principally inthe securities of European companies.


Henderson EuropeanSelectedOpportunities (Acc)


HSBC BankPlc (D)

To achieve a long-term return, in excess of the long-term return that istypically achieved from European equity markets, by investing in:companies having their registered office in Europe or companies that donot have their registered office in Europe but either (i) carry out apredominant proportion of their business activity in these markets, or (ii)are holding companies which predominantly own companies withregistered offices in Europe.

European 3,4 Acc OEIC R Yes 1.50 1.67 0.50 2.30 GB0032437948

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ISIN

(IN

C/A

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)

Henderson EuropeanSmaller Companies(Acc)



To provide capital growth by investing primarily in European smallercompanies, excluding the UK.

European 4,12 Acc OEIC A Yes 1.50 1.76 0.50 2.40 GB0007476087

Henderson EuropeanSpecial Situations(Inc/Acc)



To achieve long-term capital growth by investing in European (excludingthe UK) equities of companies in special situations.*This Fund is only available in accumulation units for the OnshoreCollective Investment Bond and the Offshore Collective Investment Bond.

European 3,4,6,11,12

Inc/Acc

OEIC A Yes 1.50 1.75 0.50 2.40 GB00B42RJH62/GB00B3W46246

Henderson FixedInterest MonthlyIncome (Inc/Acc)



To achieve a high yield. The Fund will invest principally in fixed interestsecurities including preference shares.

UK Fixed 3,5,6,7,11

Inc/Acc

UT n/a Yes 1.25 1.44 0.35 2.10 GB0001920486/GB00B7BX6S68

Henderson GlobalCare Growth (Inc)



To provide long-term capital growth and increasing income by investmentin a spread of equities, convertibles and fixed interest stocks worldwide.Investment will only be made in those companies whose products andpractices are considered by the ACD to enhance the environment and lifeof the community.

Gbl Spec 4,5,6,8

Inc OEIC A Yes 1.50 1.75 0.50 2.40 GB0005027221

Henderson GlobalCare Managed (Acc)



To achieve above-average long-term capital growth by investing in a mixof assets including UK and overseas equities and fixed interest stocks.Individual companies are chosen for their social and environmentalleadership in the area within which they operate.

Managed 4,6 Acc OEIC A Yes 1.50 1.60 0.50 2.20 GB0031833402

Henderson GlobalCare UK Income (Inc)



To provide income with the prospects of capital growth by investing incompanies contributing to social well-being and the protection and wiseuse of the natural environment. The ACD's investment policy to achievethese objectives is to invest in the UK and overseas companies.


Henderson GlobalEquity Income (Inc/Acc)



To achieve an income in excess of that of the MSCI World Index with thepotential for long-term capital growth. The fund will invest principally inglobal equities.


OEIC A Yes 1.50 1.95 0.50 2.60 GB0031250524/GB00B3VZC642

Henderson GlobalFinancials (Acc)



To achieve long-term capital growth. The Fund will invest principally inthe securities of financial services companies both in the UK andinternationally.

Gbl Spec 3,4,6,11

Acc OEIC A Yes 1.50 1.77 0.50 2.40 GB0031919342

Henderson GlobalFocus (Acc)


HSBC BankPlc (D)

To achieve a long-term return, in excess of the long-term return that istypically achieved from global equity markets, by investing in aconcentrated portfolio of companies.

Gbl Spec 2,3,4,12

Acc OEIC R Yes 2.00 2.17 0.50 2.80 GB0031860603

Henderson GlobalInnovation (Acc)



To achieve above-average, long-term capital growth. The Fund will investprincipally in a concentrated portfolio of innovation-focused globalsecurities considered by the Fund Manager to be under appreciated andwhich offer sustainably high levels of growth.

Gbl Spec 1,2,3,4,6

Acc UT n/a Yes 1.50 2.42 0.50 3.10 GB0007018194

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ISIN

(IN

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Henderson GlobalStrategic Capital (Acc)



To achieve capital growth. The Fund will invest worldwide principally in amanaged portfolio of investment trust shares and other closed-endedvehicles.

Managed 1,2,4,6,12

Acc UT n/a Yes 1.25 1.52 0.50 2.20 GB00B19FLZ44

Henderson GlobalTechnology (Acc)



To provide capital growth by investing in companies worldwide thatderive, or are expected to derive, profits from technology.


Henderson IndexLinked Bond (Inc)



To provide a return by investing primarily in UK Government issuedindex-linked securities. The Fund may invest in other transferablesecurities, money market instruments, derivatives and forwardtransactions, deposits and units in collective investment schemes.

UK Fixed 1,6 Inc OEIC A Yes 1.00 1.07 0.25 1.60 GB0007460032

HendersonInternational (Acc)



To achieve capital growth by investing in any economic sector and anyarea of the world.


Henderson JapanAbsolute Return (Acc)


HSBC BankPlc (D)

Aims to achieve a positive absolute return over the long-term regardlessof market conditions, by taking long and short positions primarily inequities or equity related derivative contracts of companies having theirregistered office in Japan; and companies that do not have theirregistered office in Japan but either (i) carry out a predominant proportionof their business activity in these markets, or (ii) are holding companieswhich predominantly own companies with registered offices in Japan.*The Annual Management Charge for this fund includes allowance for aperformance-related fee, for further information please go to the rear ofthis document. *This Fund is not available for the Offshore CollectiveInvestment Bond.

Japan 3,4,6,7,11,14

Acc OEIC A Yes 3.20 3.44 0.50 4.20 GB00B3QG0X51

Henderson JapanCapital Growth (Acc)



To achieve capital growth by investing in Japanese companies. The Fundis not restricted in the size of companies in which it can invest.


Henderson JapanEnhanced Equity(Acc)


HSBC BankPlc (D)

To provide consistent capital growth relative to the FTSE World JapanIndex (or such other index as may from time to time replace it) throughinvesting primarily in Japanese companies. There are no restrictions onthe size of the companies in which the fund mayinvest.

Japan 4,6,7,12

Acc OEIC A Yes 1.50 1.78 0.50 2.40 GB00B4JTJZ34

Henderson LongDated Credit (Inc)



To provide a return by investing primarily in long-dated sterling-denominated investment grade corporate bonds. The Fund may invest inother transferable securities, money market instruments, derivatives andforward transactions, deposits and units in collective investmentschemes.


Henderson LongDated Gilt (Inc)



To provide a return by investing primarily in long-dated UK Governmentsecurities. The Fund may invest in other transferable securities, moneymarket instruments, derivatives and forward transactions, deposits andunits in collective investment schemes.


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ISIN

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Henderson MoneyMarket (Acc)



To achieve a high level of return consistent with a high degree of capitalsecurity. The Fund will invest principally in short-term deposits and othermoney market instruments.

This Fund is not available through the Individual Savings Account (ISA).

Cash/MM 6 Acc UT n/a CIAOnly

0.25 0.52 0.00 1.00 GB0004440516

Henderson MultiManager AbsoluteReturn (Acc)


HSBC BankPlc (D)

The Fund aims to achieve a positive absolute return, over the long termregardless of market conditions, by investing in: a range of collectiveinvestment schemes, transferable securities, cash, deposits, moneymarket instruments and derivatives.

Gbl Spec 2,4,7,12

Acc OEIC R Yes 1.25 2.37 0.50 3.00 GB00B02W2291

Henderson Multi-Manager Active (Acc)



To achieve capital growth by investing in markets in both the UK andoverseas.

Managed 2,4,6 Acc OEIC R Yes 1.50 2.54 0.50 3.20 GB0031413593

Henderson Multi-Manager Distribution(Inc)



To provide an income significantly in excess of the yield of the FTSE All-Share Index with the prospect for some capital growth mainly throughinvestment in a spread of authorised unit trusts and/or authorisedcompanies which may be selected from those available in the wholemarket. The Fund may invest in funds investing outside the UK, whilemaintaining a core exposure to funds investing in the UK.

Managed 4,6,11 Inc UT A Yes 1.50 2.32 0.50 3.00 GB0002725421

Henderson Multi-Manager Diversified(Acc)



To achieve long term total return (capital growth with income) through adiverse portfolio of both UK and overseas investments. The fund willmaintain a low level of exposure to equities. The fund will invest in units/shares of collective investment schemes, transferable securities, moneymarket instruments, deposits, cash and near cash.

Managed 1,4,5,6,7,11

,12

Acc UT A Yes 1.25 1.44 0.35 2.00 GB00B1GJNX12

Henderson Multi-Manager Income &Growth (Inc/Acc)



To provide income in excess of the yield of the FTSE All Share Index withthe prospect for some capital growth.

Managed 4,5,6,11

Inc/Acc

UT A Yes 1.50 2.40 0.50 3.00 GB0002540127/GB00B4KXCG68

Henderson Multi-Manager Managed(Inc/Acc)



To achieve capital growth through exposure to UK and overseas equitiesand fixed interest securities.


OEIC A Yes 1.50 2.40 0.50 3.00 GB0031412850/GB0031412744

Henderson NorthAmerica Enhanced(Acc)



To provide consistent capital growth relative to the FTSE World NorthAmerica Index (or such other index as may from time to time replace it)through investing primarily in North American Equity companies. Thereare no restrictions on the size of the companies in which the Fund mayinvest. The Fund aims to provide an annual return above that of the FTSEWorld North America Index, whilst controlling risk. The Fund will investprimarily in North American companies included within the FTSE WorldNorth America Index. Additionally, the Fund can invest in companieslisted on other exchanges which are associated with FTSE World NorthAmerica Index listed shares or other North American companies. TheFund will not attempt to replicate identically the share composition of theFTSE World North America Index, and the fund manager will activelyreview the shares within the portfolio, and effect adjustments asnecessary in order to achieve the investment objective. The Fund mayinvest the property in transferable securities, money market instruments,derivatives and forward transactions, deposits and units in collectiveinvestment schemes.

Nth Amer 4,7 Acc OEIC A Yes 1.50 1.53 0.50 2.10 GB00B0LYSH38

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ISIN

(IN

C/A

CC

)

Henderson OverseasBond (Inc)



To aim to provide a return by investing in fixed and floating rate securitiesin any area of the world, except the UK. The Fund will invest primarily inbonds issued by governments, public authorities and internationalorganisations.

Int Fixd 2,4,5,6

Inc OEIC A Yes 1.00 1.20 0.35 1.80 GB0007673055

HendersonPreference & Bond(Inc)



To provide a return by investing primarily in sterling-denominatedpreference shares, government securities, corporate bonds, eurobondsand other bonds. The underlying Fund may invest in other transferablesecurities, money market instruments, derivatives and forwardtransactions, deposits and units in collective investment schemes.

UK Fixed 1,4,5,6,12

Inc OEIC A Yes 1.25 1.39 0.35 2.00 GB0007535866

Henderson SterlingBond (Inc/Acc)



To achieve a high and stable income. The Fund will invest principally insterling-denominated fixed interest securities including preference shares,concentrating on investment grade corporate bonds.

UK Fixed 3,5,6,7

Inc/Acc

UT n/a Yes 1.25 1.45 0.35 2.10 GB0007033870/GB0007017907

Henderson StrategicBond (Inc)



To provide a return by investing primarily in higher yielding assetsincluding high yield bonds, investment grade bonds, preference sharesand other bonds. The Fund will take strategic asset allocation decisionsbetween countries, asset classes, sectors and credit ratings. The Fundmay invest in other transferable securities, money market instruments,derivatives and forward transactions, deposits and units in collectiveinvestment schemes.

UK Fixed 4,5,11 Inc OEIC A Yes 1.25 1.45 0.35 2.00 GB0007495293

Henderson UK & IrishSmaller Companies(Acc)


HSBC BankPlc (D)

To achieve a long-term return, in excess of the long-term return that istypically achieved from United Kingdom and Irish Smaller Companiesequity markets, by investing in: smaller companies having their registeredoffice in the United Kingdom and Ireland or smaller companies that do nothave their registered office in the United Kingdom and Ireland but either(i) carry out a predominant proportion of their business activity in thesemarkets, or (ii) are holding companies which predominantly owncompanies with registered offices in the United Kingdom and Ireland.

UK Equity 4,12 Acc OEIC R Yes 1.50 1.66 0.50 2.30 GB0032442252

Henderson UK Alpha(Acc)



To achieve capital growth through a relatively concentrated portfolio. TheFund will invest principally in the securities of UK companies.


Henderson UK EquityIncome (Inc)



To provide income in excess of the yield of the FTSE All-Share Index,with some prospects for capital growth, by investing in UK companies.The Fund will primarily invest in larger companies and may invest in fixedinterest and convertible securities as well as ordinary shares.


Henderson UK Gilt(Inc)



To provide return by investing primarily in UK Government securities. TheFund may invest in other transferable securities, money marketinstruments, derivatives and forward transactions, deposits and unit incollective investment schemes.


Henderson UK Index(Inc/Acc)


HSBC BankPlc (D)

To track the capital performance of the FTSE All-Share Index and tomaintain a gross income yield equal to that of the index.


OEIC R Yes 0.50 0.67 0.25 1.20 GB0033389353/GB0032897653

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ISIN

(IN

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Henderson UKProperty Unit Trust(Inc/Acc)



To achieve a high income together with some growth of both income andcapital. The Fund will invest primarily in commercial property and propertyrelated securities. The Fund may also invest in non-property relatedsecurities, units in collective investment schemes, money marketinstruments, deposits, derivatives and forward foreign exchangecontracts.*The Total Expense Ratio for this fund includes allowance for a PropertyExpense Ratio, for further information please go to the rear of thisdocument.

Property 3,4,6,7,10,11

Inc/Acc

UT n/a Yes 1.50 1.96 0.50 2.60 GB0007278590/GB0007278608

Henderson UKSmaller Companies(Acc)



To provide capital growth by investing primarily in UK smaller companies. UK Equity 12 Acc OEIC A Yes 1.50 1.75 0.50 2.40 GB0007447286

Henderson UKStrategic Income (Inc)



To achieve a high level of income. The Fund will invest principally in theUK in a managed portfolio of investment trust shares and other closed-ended vehicles.


Inc UT n/a Yes 1.50 1.69 0.50 2.30 GB00B19FM846

Henderson UKTracker (Acc)


HSBC BankPlc (D)

To track the capital performance of the FTSE® 100 Index. UK Equity n/a Acc OEIC R Yes 1.00 1.18 0.25 1.70 GB0032898404

Henderson USGrowth (Acc)


HSBC BankPlc (D)

To achieve a long-term return in excess of the long-term return that istypically achieved from US equity markets, primarily by investing incompanies incorporated in the US or having their registered office in theUS or companies that are not incorporated in the US or do not have theirregistered office in the US but either (i) carry out a predominantproportion of their business activity in the US, or (ii) are holdingcompanies which predominantly own companies with registered offices inthe US.

Nth Amer 3,4 Acc OEIC R Yes 1.50 1.66 0.50 2.30 GB0032438466

HSBC AmericanIndex (Inc/Acc)

HSBC InvestmentFunds (UK) Limited -8 Canada Square,London E14 5HQ


To provide long-term capital growth by matching the return of the S&P’s500 Index.

Nth Amer 4 Inc/Acc

OEIC A Yes 0.25 0.28 0.00 0.80 GB0000469741/GB0000470418

HSBC Asian Growth(Inc/Acc)



The investment objective of the scheme is the achievement of long-termcapital growth through investment in a diversified equity portfolio in FarEastern stock markets, excluding Japan.

Far East 1,2,4 Inc/Acc

OEIC A Yes 1.50 1.79 0.50 2.40 GB0000199769/GB0000200310

HSBC Balanced (Inc/Acc)



To achieve long-term growth together with some income by investing in abroad range of investments including UK and overseas shares,government bonds, and fixed interest securities. It has a broad spread ofinvestments so should be less volatile than unit trusts and OEICs thatonly invest in shares.

Managed 4,6 Inc/Acc

OEIC A Yes 1.50 1.66 0.50 2.30 GB0000190065/GB0000190289

HSBC Chinese Equity(Inc/Acc)



To provide long-term capital growth by investing at least two thirds of itstotal non-cash assets in a well diversified portfolio of equities and equity-related securities of companies which have their registered office in, andwith an official listing on a major stock exchange or other regulatedmarket of, the People’s Republic of China (‘China’), including Hong KongSAR, as well as those companies which carry out a predominant part oftheir business activities in China.

Far East 2,4 Inc/Acc

OEIC n/a Yes 1.50 1.78 0.50 2.40 GB0000204395/GB0000204510

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ISIN

(IN

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HSBC CorporateBond (Inc/Acc)



To provide a regular and competitive level of income from an underlyingportfolio of predominantly Sterling Corporate Bonds.


OEIC A Yes 1.00 1.16 0.35 1.70 GB0000170554/GB0000175165

HSBC EuropeanGrowth (Inc/Acc)



The investment objective of the scheme is the achievement of long-termcapital growth through a spread of equity investments in ContinentalEuropean markets.


OEIC A Yes 1.50 1.71 0.50 2.30 GB0000194935/GB0000197508

HSBC EuropeanIndex (Inc/Acc)



To match the performance of the FTSE World Europe ex UK index. European 2,4 Inc/Acc

OEIC A Yes 0.25 0.31 0.00 0.80 GB0000468776/GB0000469071

HSBC FTSE 100Index (Inc/Acc)



To obtain capital growth in line with the movement in the FTSE 100Index.


OEIC A Yes 0.25 0.27 0.00 0.80 GB0000407618/GB0000412477

HSBC FTSE 250Index (Inc/Acc)



To match the capital performance of the FTSE 250 Index. UK Equity n/a Inc/Acc

OEIC A Yes 0.25 0.27 0.00 0.80 GB0000467703/GB0000467810

HSBC FTSE All-Share Index (Inc/Acc)



To match the performance of the FTSE All-Share index. UK Equity n/a Inc/Acc

OEIC A Yes 0.25 0.27 0.00 0.80 GB0000424886/GB0000438233

HSBC GIF BrazilEquity (Acc)

HSBC InvestmentFunds (Luxembourg)S.A. - 16 boulevardd'Avranches, L-1150Luxembourg, GrandDuchy of Luxembourg

DexiaBanqueInternationale aLuxembourg(D)

To seek long-term capital growth by investing primarily in a welldiversified portfolio of investments in equity and equity equivalentsecurities of companies which have their registered office in, and with anofficial listing on a major stock exchange or other Regulated Market ofBrazil, as well as those companies which carry out a preponderant part oftheir business activities in Brazil. *Please note that this fund is domiciledoutside of the UK. This means that rules and regulations made under theFinancial Services & Markets Act 2000 of the United Kingdom for theprotection of investors do not apply to the fund and that the FinancialServices Compensation Scheme established by the Financial ServicesAuthority may not apply in relation to any investment in the Fund. Additionally, the taxation of income and gains for UK resident investorsmay be different to UK domiciled funds. The tax liability will depend onthe fund’s Reporting status and whether income is treated as dividends orinterest. Your financial adviser will be able to explain how thesedifferences impact you depending on the characteristics of the fund andyour individual circumstances. *This Fund is not available for the OffshoreCollective Investment Bond.

Emer Mkt 2,4,12 Acc SICAV

A Yes 1.75 2.16 0.50 2.80 LU0544977688

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ISIN

(IN

C/A

CC

)

HSBC GIF GlobalEmerging MarketsEquity (Acc)



To seek long-term capital growth by investing primarily in a well-diversified portfolio of investments in equity and equity equivalentsecurities issued by companies which have their registered office in, andwith an official listing in, an Emerging Market, as well as companies whichcarry out a preponderant part of their economic activities in EmergingMarkets. *Please note that this fund is domiciled outside of the UK. Thismeans that rules and regulations made under the Financial Services &Markets Act 2000 of the United Kingdom for the protection of investors donot apply to the fund and that the Financial Services CompensationScheme established by the Financial Services Authority may not apply inrelation to any investment in the Fund. Additionally, the taxation ofincome and gains for UK resident investors may be different to UKdomiciled funds. The tax liability will depend on the fund’s Reportingstatus and whether income is treated as dividends or interest. Yourfinancial adviser will be able to explain how these differences impact youdepending on the characteristics of the fund and your individualcircumstances. *This Fund is not available for the Offshore CollectiveInvestment Bond.

Emer Mkt 2,4 Acc SICAV

A Yes 1.50 1.91 0.50 2.50 LU0622167608

HSBC GIF GlobalEmerging MarketsLocal Debt (Inc/Acc)



To invest for total return primarily in a diversified portfolio of InvestmentGrade and Non-Investment Grade rated fixed income (e.g.bonds) andother similar securities. These securities are issued or guaranteed bygovernments or government agencies or supranational bodies ofEmerging Markets or companies which have their registered office inEmerging Markets. Such securities will be primarily denominated in localcurrency. *Please note that this fund is domiciled outside of the UK. Thismeans that rules and regulations made under the Financial Services &Markets Act 2000 of the United Kingdom for the protection of investors donot apply to the fund and that the Financial Services CompensationScheme established by the Financial Services Authority may not apply inrelation to any investment in the Fund. Additionally, the taxation ofincome and gains for UK resident investors may be different to UKdomiciled funds. The tax liability will depend on the fund’s Reportingstatus and whether income is treated as dividends or interest. Yourfinancial adviser will be able to explain how these differences impact youdepending on the characteristics of the fund and your individualcircumstances. *This Fund is not available for the Offshore CollectiveInvestment Bond & is only available in accumulation units for the OnshoreCollective Investment Bond.

Int Fixd 2,4,5,6,7

Inc/Acc

SICAV

A Yes 1.25 1.60 0.35 2.20 LU0544980476/LU0544980633

HSBC GIF GlobalMacro (HEDGED)SICAV (Inc)



To seek to achieve stable absolute returns in excess of its benchmark.The targeted returns are intended to be largely de-correlated from thoseof the major asset classes. To reach this objective the funds assets willbe actively allocated to different asset classes (including cash, equities,bonds and currencies worldwide). *The Annual Management Charge forthis fund includes an allowance for a performance-related fee, for furtherinformation please go to the rear of this document.*Please note that thisfund is domiciled outside of the UK. This means that rules andregulations made under the Financial Services & Markets Act 2000 of theUnited Kingdom for the protection of investors do not apply to the fundand that the Financial Services Compensation Scheme established bythe Financial Services Authority may not apply in relation to anyinvestment in the Fund. Additionally, the taxation of income and gains forUK resident investors may be different to UK domiciled funds. The taxliability will depend on the fund’s Reporting status and whether income istreated as dividends or interest. Your financial adviser will be able toexplain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances. *This Fundis not available for the Offshore Collective Investment Bond.

Managed 1,4,6,7

Inc OEIC M1 Yes 3.15 3.45 0.50 4.20 LU0505316199

Fu

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(£10

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ISIN

(IN

C/A

CC

)

HSBC GIF IndianEquity (Acc)



To seek long-term capital growth by investing primarily in a diversifiedportfolio of investments in equity and equity equivalent securities ofcompanies which have their registered office in, and with an official listingon a major stock exchange or other Regulated Market of India, as well asthose companies which carry out a preponderant part of their businessactivities in India. *Please note that this fund is domiciled outside of theUK. This means that rules and regulations made under the FinancialServices & Markets Act 2000 of the United Kingdom for the protection ofinvestors do not apply to the fund and that the Financial ServicesCompensation Scheme established by the Financial Services Authoritymay not apply in relation to any investment in the Fund. Additionally, thetaxation of income and gains for UK resident investors may be different toUK domiciled funds. The tax liability will depend on the fund’s Reportingstatus and whether income is treated as dividends or interest. Yourfinancial adviser will be able to explain how these differences impact youdepending on the characteristics of the fund and your individualcircumstances. *This Fund is not available for the Offshore CollectiveInvestment Bond.

Emer Mkt 2,4,12 Acc SICAV

A Yes 1.50 1.91 0.50 2.50 LU0544977258

HSBC GIF LatinAmerican Equity (Acc)



To seek long-term returns from capital growth and income by investingprimarily in a concentrated portfolio of investments in equity and equityequivalent securities of companies which have their registered office in,and with an official listing on a major stock exchange or other RegulatedMarket of any Latin American country, as well as companies which carryout a preponderant part of their economic activities in Latin America.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances. *This Fundis not available for the Offshore Collective Investment Bond.

Emer Mkt 2,3,4,12

Acc SICAV

A Yes 1.50 1.95 0.50 2.60 LU0544981953

HSBC GIF RussiaEquity (Acc)



To seek long term capital growth by investing primarily in a concentratedportfolio of investments in equity and equity equivalent securities ofcompanies which have their registered office in, and with an official listingon a major stock exchange or other Regulated Market in Russia as wellas those companies with significant operations or carrying out apreponderant part of their business activities in this country. *Please notethat this fund is domiciled outside of the UK. This means that rules andregulations made under the Financial Services & Markets Act 2000 of theUnited Kingdom for the protection of investors do not apply to the fundand that the Financial Services Compensation Scheme established bythe Financial Services Authority may not apply in relation to anyinvestment in the Fund. Additionally, the taxation of income and gains forUK resident investors may be different to UK domiciled funds. The taxliability will depend on the fund’s Reporting status and whether income istreated as dividends or interest. Your financial adviser will be able toexplain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances. *This Fundis not available for the Offshore Collective Investment Bond.

Emer Mkt 2,3,4,12

Acc SICAV

A Yes 1.75 2.16 0.50 2.80 LU0544978736

HSBC Gilt & FixedInterest (Inc/Acc)



To provide a regular and competitive level of income from an underlyingportfolio of gilts and other highly rated fixed interest securities.

UK Fixed 2,4,6,7,11

Inc/Acc

OEIC A Yes 0.75 0.90 0.35 1.50 GB0000154467/GB0000154681

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ISIN

(IN

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)

HSBC Income (Inc/Acc)



To provide an above-average level of income combined with potential forcapital growth by investing in UK companies. Investments will be welldiversified and tend to be in large and mid-sized companies, althoughthere may be some smaller-company exposure.


OEIC A Yes 1.50 1.65 0.50 2.20 GB0000154913/GB0000156843

HSBC Japan Index(Inc/Acc)



To provide long-term capital growth by matching the return of the FTSEWorld Japan Index.

Japan 4 Inc/Acc

OEIC A Yes 0.25 0.29 0.00 0.80 GB0000150150/GB0000150374

HSBC MonthlyIncome (Inc/Acc)



To provide a high level of income combined with potential for capitalgrowth by investing in a mixture of UK companies and fixed incomesecurities. Investments will be well diversified and tend to be in large andmid-sized companies, although there may be some smaller-companyexposure.


OEIC A Yes 1.25 1.40 0.50 2.00 GB0000160308/GB0000160639

HSBC Open GlobalDistribution (Inc/Acc)



To provide a high level of income by investing in a broad range of assetclasses, across global markets. The fund will invest primarily in collectiveinvestment schemes that in turn invest in fixed income securities, higheryielding equities, property, commodities and derivatives.

Managed 2,4,5,6,11,12

Inc/Acc

OEIC A Yes 1.25 2.04 0.50 2.70 GB00B1G3FH19/GB00B1G3BF15

HSBC Open GlobalProperty (Inc/Acc)



To provide long term capital growth. The Fund will predominantly invest inproperty securities and property related securities and collectiveinvestment schemes that, in turn, invest directly or indirectly in property,unlisted property and listed property securities. There will be nogeographical restrictions.*This Fund is only available in accumulationunits for the Onshore Collective Investment Bond & the OffshoreCollective Investment Bond.


OEIC A Yes 1.25 2.17 0.50 2.80 GB00B28PP161/GB00B28PNY57

HSBC Open GlobalReturn (Inc/Acc)



To provide capital growth and income by investing in a broad range ofasset classes across global markets. The fund invests primarily incollective investment schemes that in turn invest in fixed incomesecurities, equities, property, commodities and derivatives.

Managed 2,4,5,6,12

Inc/Acc

OEIC A Yes 1.25 2.43 0.50 3.10 GB00B1G3J914/GB00B1G3FL54

HSBC Pacific Index(Inc/Acc)



To match the performance of the FTSE World Pacific ex-Japan Index. Far East 2,4 Inc/Acc

OEIC A Yes 0.25 0.37 0.00 0.90 GB0000150606/GB0000150713

HSBC UK Freestyle(Inc/Acc)



To provide long-term capital growth and income by investing in aconcentrated portfolio of predominantly UK equities.

UK Equity 3,11,12

Inc/Acc

OEIC A Yes 1.50 1.66 0.50 2.30 GB00B065W804/GB00B065WB35

HSBC UK Gilt Index(Inc/Acc)



To provide income from an underlying portfolio of gilts that matches thereturn of the FTSE British Government All Stocks Total Return Indexbefore tax and charges are deducted.


OEIC A Yes 0.25 0.26 0.00 0.80 GB00B3YY6J92/GB00B4581C50

HSBC UK Growth &Income (Inc/Acc)



To provide capital and income growth over the long term, through aportfolio of predominately UK equities, fixed interest and other securities.This Fund aims to provide a reasonable level of income combined withcapital growth by investing in UK companies. Investments will be welldiversified and tend to be in large and mid-sized companies, althoughthere may be some smaller-company exposure.


OEIC A Yes 1.50 1.64 0.50 2.20 GB0000185313/GB0000189950

HSBC UK SmallerCompanies (Inc/Acc)



To achieve long-term capital growth through investment in UK smallercompanies, which are mainly constituents of the Hoare Govett SmallerCompanies Index.


OEIC A Yes 1.25 1.44 0.50 2.00 GB0000203983/GB0000204171

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HSBC World IndexBalanced Portfolio(Inc/Acc)

HSBC Global AssetManagement (UK)Limited - 8 CanadaSquare, London E145HQ


To provide capital growth through investment in a broad range of assetclasses across global markets, primarily in collective investment schemesand exchange traded funds that aim to match the returns of marketindices. *This Fund is not available for the Offshore Collective InvestmentBond & is only available in accumulation units for the Onshore CollectiveInvestment Bond.

Managed 2,4,5,6,9,12

Inc/Acc

OEIC X Yes 0.50 0.84 0.00 1.40 GB00B40KPF73/GB00B537R786

HSBC World IndexCautious Portfolio(Inc/Acc)



To provide capital growth through cautious investment in a broad range ofasset classes across global markets with a bias towards fixed interestsecurities. *This Fund is not available for the Offshore CollectiveInvestment Bond & is only available in accumulation units for the OnshoreCollective Investment Bond.

Managed 2,4,5,6,9,12

Inc/Acc

OEIC X Yes 0.50 0.81 0.00 1.40 GB00B3Y8RM12/GB00B64T3D80

HSBC World IndexDynamic Portfolio(Inc/Acc)



To provide capital growth through investment in a broad range of assetclasses across global markets, with a bias towards equities. *This Fund isnot available for the Offshore Collective Investment Bond & is onlyavailable in accumulation units for the Onshore Collective InvestmentBond.

Managed 2,4,5,6,9,12

Inc/Acc

OEIC X Yes 0.50 0.82 0.00 1.40 GB00B42FKK01/GB00B3SSR724

IFDS Apollo MultiAsset Adventurous(Acc)

IFDS ManagersLimited - IFDS House,St Nicholas Lane,Basildon, Essex SS155FS

HSBC BankPlc (D)

To maximise long term capital growth by pursuing an adventurousinvestment strategy by investing in a range of assets including collectiveinvestment schemes, closed ended funds, transferable securities and/ormoney market instruments. *This Fund is not available for the OffshoreCollective Investment Bond.

Managed 2,4,5,6,9

Acc OEIC A Yes 1.50 2.47 0.50 3.10 GB00B3Z2C940

IFDS Apollo MultiAsset Balanced (Acc)


HSBC BankPlc (D)

To achieve a positive return over the medium to longer term, which is inexcess of normal cash deposit rates.

Managed 2,4,5,6,7,10

Acc OEIC A Yes 1.50 2.43 0.50 3.10 GB00B3FPDZ62

IFDS Apollo MultiAsset Cautious (Acc)


HSBC BankPlc (D)

To achieve a positive return over the medium to longer term, which isabove normal cash deposit rates.

Managed 2,4,5,6,7,10

Acc OEIC A Yes 1.50 2.55 0.50 23.20 GB00B3FPDT03

IFDS Apollo MultiAsset Defensive (Acc)


HSBC BankPlc (D)

To provide investment returns in all market conditions over the medium tolonger term by investing in a range of assets including collectiveinvestment schemes, closed ended funds, transferable securities and/ormoney market instruments. *This Fund is not available for the OffshoreCollective Investment Bond.

Managed 2,4,5,6,9

Acc OEIC A Yes 1.50 2.47 0.50 3.10 GB00B3WLNT12

IFDS Brown ShipleySterling Bond (Inc/Acc)

Brown ShipleyInvestment Funds -IFDS House, StNicholas Lane,Basildon, Essex SS155FS


To achieve a high level of income, with some potential for long-termcapital growth. The Fund aims to deliver low volatility for shareholders viainvestment in a portfolio of fixed interest securities, convertibles,preference shares, loan stocks, debentures and other fixed andpermanent interest-bearing shares issued by building societies.


OEIC n/a No 1.00 1.13 0.35 1.70 GB0006930357/GB0006937568

IFDS Frontier MAPBalanced (Acc)


HSBC BankPlc (D)

To provide shareholders with medium to long-term investment growth andincome through investing across multiple asset classes targeted towardsinvestors prepared to assume some market risk.

Managed 2,4,5,6,10,12

Acc OEIC A Yes 1.50 2.05 0.50 2.70 GB00B5S94S99

IFDS Frontier MAPCautious (Inc/Acc)


HSBC BankPlc (D)

Aims to provide shareholders with medium to long term investmentgrowth and income through investing across multiple asset classestargeted towards investors with a limited appetite for risk.

Managed 2,4,5,6,11,12

Inc/Acc

OEIC A Yes 1.50 2.27 0.50 2.90 GB00B4MFYW05/GB00B4129946

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IFDS Prism Advanced IFDS Prism CapitalManagement ICVC -IFDS House, StNicholas Lane,Basildon, Essex,SS15 5FS


To achieve capital growth over the medium to longer term, which is wellin excess of normal cash deposit savings rates. The fund will achieve itsinvestment exposure by investing in collective investment schemes suchas unit trusts, OEICs and other UCITS funds and closed ended schemesbut may also invest in individual stocks and bonds.*This Fund is not available for the Offshore Collective Investment Bond.

Managed 2,4,6 Acc OEIC A Yes 1.75 2.25 0.50 2.90 GB00B63B9G08

IFDS Prism CapitalGrowth

IFDS Prism CapitalManagement ICVC -IFDS House, StNicholas Lane,Basildon, Essex,SS15 5FS


To achieve capital growth over the medium to longer term, which is inexcess of normal cash deposit savings rates. The Fund will achieve itsinvestment exposure by investing in collective investment schemes suchas unit trusts, OEICs and other UCITS funds and closed ended schemesbut may also invest in individual stocks and bonds.*This Fund is not available for the Offshore Collective Investment Bond.

Managed 2,4,6 Acc OEIC A Yes 1.75 2.24 0.50 2.90 GB00B63B9J39

IFDS Prism CautiousGrowth

IFDS Prism CapitalManagement ICVC -IFDS House, StNicholas Lane,Basildon, Essex,SS15 5FS


To achieve capital growth, over the medium to longer term, which isabove normal cash deposit savings rates. The Fund will achieve itsinvestment exposure by investing in collective investment schemes, suchas unit trusts, OEICs and closed ended schemes but may also invest inindividual stocks and bonds.*This Fund is not available for the Offshore Collective Investment Bond.

Managed 2,4,6 Acc OEIC A Yes 1.75 2.28 0.50 2.90 GB00B63B9L50

IFSL BarclaysRADAR (Acc)

IFSL Barclays CapitalFund Solutions, PearlHouse, 55-59Moorgate, London,EC2R 6PA


To provide shareholders with an absolute return, meaning a positivereturn over a 12 month period (rolling) in all market conditions, byinvesting in a broad range of securities and other assets orinvestments.*This Fund is not available for the Offshore CollectiveInvestment Bond.

Managed 2,4,5,6,7,9,11,14

Acc OEIC A CIAonly

1.50 1.73 0.35 2.30 GB00B76VT087

IFSL BestinvestAggressive GrowthPortfolio (Inc/Acc)



To deliver capital growth over the longer term.*This Fund is only available in accumulation units for the OnshoreCollective Investment Bond.

Managed 1,2,4,5,6,7,

10

Inc/Acc

OEIC N/A Yes 1.50 2.38 0.50 3.00 GB00B39VHB44/GB00B39VHC50

IFSL BestinvestDefensive Portfolio(Inc/Acc)



To deliver modest capital growth over the longer term whilst maintaininglow volatility.*This Fund is not available for the Offshore Collective Investment Bond &is only available in accumulation units for the Onshore CollectiveInvestment Bond.

Managed 2,4,5,6,7,10

,11

Inc/Acc

OEIC N/A Yes 1.50 2.33 0.50 3.00 GB00B39VH692/GB00B39VH700

IFSL BestinvestGrowth Portfolio (Inc/Acc)



To deliver capital growth over the longer term.*This Fund is not available for the Offshore Collective Investment Bond &is only available in accumulation units for the Onshore CollectiveInvestment Bond.

Managed 2,4,5,6,7,10

Inc/Acc

OEIC N/A Yes 1.50 2.33 0.50 3.00 GB00B2QD0391/GB00B2QD0409

IFSL BestinvestIncome and GrowthPortfolio (Inc/Acc)



To deliver a rising level of income and modest capital growth over thelonger term.*This Fund is not available for the Offshore Collective Investment Bond &is only available in accumulation units for the Onshore CollectiveInvestment Bond.

Managed 2,4,5,6,7,10

,11

Inc/Acc

OEIC N/A Yes 1.50 2.31 0.50 3.00 GB00B2QCZV97/GB00B2QCZW05

IFSL BestinvestIncome Portfolio (Inc/Acc)



To deliver a high level of income with the potential for modest capitalgrowth over the longer term.*This Fund is not available for the Offshore Collective Investment Bond &is only available in accumulation units for the Onshore CollectiveInvestment Bond.

Managed 2,4,5,6,7,10

,11

Inc/Acc

OEIC N/A Yes 1.50 2.32 0.50 3.00 GB00B2QCZZ36/GB00B2QD0060

IFSL SinfoniaAdventurous Growth(Acc)



To provide long-term capital growth by investing in a diversified portfolioof fixed interest securities and equities, as well as warrants, and moneymarket instruments, through investment in a portfolio of collectiveinvestment schemes.

Managed 4,6,7 Acc OEIC D Yes 1.75 2.80 0.50 3.50 GB00B2R2YZ51

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IFSL SinfoniaBalanced Managed(Acc)



To provide medium- to long-term capital growth by investing in adiversified portfolio of fixed interest securities and equities, as well aswarrants, and money market instruments, primarily through investment ina portfolio of collective investment schemes.

Managed 4,6,7 Acc OEIC D Yes 1.75 2.66 0.50 3.30 GB00B2R2YQ60

IFSL SinfoniaCautious Managed(Acc)



To provide long-term returns by a combination of both capital growth andincome generation by investing in a diversified portfolio of equities as wellas fixed interest securities, warrants and money market instrumentsprimarily through investment in a portfolio of collective investmentschemes.

Managed 4,6,7 Acc OEIC D Yes 1.75 2.50 0.50 3.20 GB00B2R2Y663

IFSL Sinfonia Income(Inc/Acc)



To provide regular income with some potential for capital growth over thelong term by investing in a diversified portfolio of equities, fixed interestsecurities, warrants and money market instruments primarily throughinvestment in a portfolio of collective investment schemes.

Managed 4,6,7,11

Inc/Acc

OEIC D Yes 1.75 2.51 0.50 3.20 GB00B2R2XQ95/GB00B2R2XP88

IFSL Sinfonia Incomeand Growth (Inc/Acc)



To provide income and capital growth for investors over the long term byinvesting in a diversified portfolio of equities as well as fixed interestsecurities, warrants and money market instruments primarily throughinvestment in a portfolio of collective investment schemes.

Managed 4,6,7,11

Inc/Acc

OEIC D Yes 1.75 2.63 0.50 3.30 GB00B2R2XZ86/GB00B2R2XY79

Ignis Absolute ReturnGovernment Bond(Acc)

Ignis Global FundsSICAV - Vertigo-Polaris, 2-4 rueEugene Ruppert,L-2453 Luxembourg

BNY MellonAssetManagementInternationalLtd (D)

To deliver positive total returns that are independent of bond and equitymarket conditions by predominantly investing in fixed or variable interesttransferable securities issued by sovereigns and supra sovereigns,money market instruments, foreign currencies and financial derivativeinstruments. *Please note that this fund is domiciled outside of the UK. This means that rules and regulations made under the Financial Services& Markets Act 2000 of the United Kingdom for the protection of investorsdo not apply to the fund and that the Financial Services CompensationScheme established by the Financial Services Authority may not apply inrelation to any investment in the Fund. Additionally, the taxation ofincome and gains for UK resident investors may be different to UKdomiciled funds. The tax liability will depend on the fund’s Reportingstatus and whether income is treated as dividends or interest. Yourfinancial adviser will be able to explain how these differences impact youdepending on the characteristics of the fund and your individualcircumstances. *The Annual Management Charge for this fund includesan allowance for a performance-related fee, for further information pleasego to the rear of this document. *This Fund is not available for theOffshore Collective Investment Bond.

Int Fixd 4,6,7,14

Acc SICAV

A Yes 1.85 2.15 0.25 2.80 LU0579398933

Ignis AmericanGrowth (Inc/Acc)

Ignis Fund ManagersLimited - BritannicCourt, 50 BothwellStreet, Glasgow G26HR


To achieve above-average growth mainly through capital appreciation,concentrating on well managed growth companies in the USA andCanada, with the provision to invest up to 15% outside North America.

Nth Amer 4 Inc/Acc

UT n/a Yes 1.50 1.56 0.50 2.20 GB0003302469/GB0003302576

Ignis BalancedGrowth (Inc/Acc)



To maximise total return through an actively managed portfolio of equitiesand fixed interest investments, focusing on growth companies and specialsituations, mainly in the UK.


UT n/a Yes 1.50 1.68 0.50 2.30 GB0003300976/GB0003301057

Ignis Cartesian UKOpportunities (Acc)



To achieve above-average returns by investing in UK equities. This willbe achieved by investing in a concentrated portfolio of approximately30-60 stocks selected across the range of company size, with a bias tomid cap and small companies.

UK Equity 3,4,12 Acc UT A Yes 1.75 1.79 0.50 2.40 GB00B0V9SS99

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Ignis Corporate Bond(Inc/Acc)



To produce income and capital growth by investing in UK fixed interestsecurities (which include corporate bonds) and gilts (with the provision toinvest up to 15% of the portfolio in fixed interest securities outside theUK).


UT n/a Yes 1.10 1.22 0.35 1.80 GB0004995782/GB0001300267

Ignis EuropeanGrowth (Inc/Acc)



To achieve maximum capital growth mainly through investment inordinary shares and/or fixed interest securities in Europe. There is norestriction on the economic sectors in which investments may be made,but geographically investments are restricted to Europe.


UT n/a Yes 1.50 1.60 0.50 2.20 GB0002395142/GB0001258952

Ignis Global Growth(Inc/Acc)



To achieve maximum capital growth in sterling terms by investingprimarily in securities of quoted companies on a global basis, which areconsidered undervalued. There is no restriction on the economic sectorsin which investments may be made.


UT n/a Yes 1.50 1.56 0.50 2.20 GB0001298644/GB0002389087

Ignis High IncomeBond (Inc/Acc)



To achieve a yield in excess of that available through investment in atraditional corporate bond fund and to pursue a policy of activemanagement through a diversified portfolio and rigorous stock selectionto control the impact of credit risks on capital values.

UK Fixed 4,5,6,11

Inc/Acc

UT n/a Yes 1.25 1.37 0.35 2.00 GB0009515841/GB0009515957

Ignis Japan Tracker(Inc/Acc)



To achieve long-term capital growth by tracking the capital performanceof the FTSE World Japan Index. The Fund will invest in a diversifiedportfolio of Japanese equities with a view to replicating the FTSE WorldJapan Index.

Japan 2,4 Inc/Acc

UT n/a Yes 0.75 0.80 0.00 1.40 GB0004994827/GB0001301893

Ignis ManagedPortfolio (Inc/Acc)



To maximise long-term capital growth opportunities by investing in anyeconomic sector in any geographic area through investments aspermitted from time to time for a fund of funds but mainly those fundsmanaged by Britannic Fund Managers Ltd.

Managed 4 Inc/Acc

UT n/a Yes 1.50 1.67 0.50 2.30 GB0001425486/GB0001425379

Ignis Pacific Growth(Inc/Acc)



To achieve maximum capital growth through investment principally in theFar East and the Pacific Basin, but always excluding any investment inJapan.


UT n/a Yes 1.50 1.58 0.50 2.20 GB0001298750/GB0002395365

Ignis SmallerCompanies (Inc/Acc)



To achieve maximum capital growth from investing principally in UKsmaller companies.


UT n/a Yes 1.50 1.57 0.50 2.20 GB0003293304/GB0003300869

Ignis UK EquityIncome (Inc/Acc)



To produce a higher yield than is generally attainable from equity basedunit trust investing mainly in the UK and to make distributions on aquarterly basis.


UT n/a Yes 1.50 1.64 0.50 2.20 GB0003301503/GB0003302139

Ignis UK Focus (Acc) Ignis Fund ManagersLimited - BritannicCourt, 50 BothwellStreet, Glasgow G26HR


To achieve capital growth by investing principally in a concentratedportfolio of UK equities.


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Ignis UK Property(Inc/Acc)



To invest almost all its assets in commercial properties but has the abilityto invest in other asset classes if required. The focus is on properties withgood covenant strength to ensure a steady income stream.*The Total Expense Ratio for this fund includes allowance for a PropertyExpense Ratio, for further information please go to the rear of thisdocument.


UT n/a Yes 1.50 1.80 0.50 2.40 GB00B053C307/GB00B053C414

IM ArgonautEuropean Alpha (Acc)



Aims to achieve above average returns and attempt to perform a topquartile profile when measured against competing funds in the samesector, by investing in a concentrated portfolio of approximately 30-60stocks. The Fund will invest predominantly in securities of companiesincorporated in Continental Europe and Ireland (excluding the UK).

European 3,4,6 Acc OEIC A Yes 1.75 1.85 0.50 2.50 GB00B4ZRCD05

IM ArgonautEuropean EnhancedIncome (Inc/Acc(



Aims to achieve a high income yield with some long term capital growth inSterling terms, by predominantly investing directly in a concentratedportfolio of approximately 30-60 stocks of companies incorporated inContinental Europe and Ireland (excluding UK) and whose securities arelisted on or traded on an eligible market.

European 3,4,6,7,11

Inc/Acc

OEIC A Yes 1.50 1.53 0.50 2.10 GB00B40QSS95/GB00B7M3XX95

IM ArgonautEuropean Income(Inc/acc)



Aims to provide an income in excess of the yield of the MSCI Europe exUK Index, whilst preserving capital, by investing in a concentratedportfolio of approximately 30-60 stocks. The Fund will investpredominantly in securities of companies predominantly incorporated inContinental Europe and Ireland (excluding the UK).

European 2,3,4,6,11

Inc/Acc

OEIC A Yes 1.50 1.54 0.50 2.10 GB00B7K7KQZ68/GB00B71CZG49

IM CAERUS PortfolioDRP 1 (Acc)



To deliver long term capital growth from a broadly cautious approach toinvesting through a portfolio of diversified assets (multi asset) whilstensuring that the overall volatility of the portfolio remains within its setvolatility band. *This Fund is not available for the Offshore CollectiveInvestment Bond.

Managed 4,5,6,7,10

Acc OEIC Platform

Yes 1.00 1.25 0.50 1.80 GB00B63PYK15




To deliver long term capital growth from a broadly balanced approach toinvesting through a portfolio of diversified assets (multi asset) whilstensuring that the overall volatility of the portfolio remains within its setvolatility band. *This Fund is not available for the Offshore CollectiveInvestment Bond.

Managed 2,4,5,6,7,10

Acc OEIC Platform

Yes 1.00 1.25 0.50 1.80 GB00B3TWGP41




To deliver long term capital growth from investing in a portfolio ofdiversified assets (multi asset) whilst ensuring that the overall volatility ofthe portfolio remains within its set volatility band. *This Fund is notavailable for the Offshore Collective Investment Bond.

Managed 2,4,5,6,7

Acc OEIC Platform

Yes 1.00 1.25 0.50 1.80 GB00B3TNJH07




To deliver long term capital growth from a broadly adventurous approachto investing through a portfolio of diversified assets (multi asset) whilstensuring that the overall volatility of the portfolio remains within its setvolatility band. *This Fund is not available for the Offshore CollectiveInvestment Bond.

Managed 2,4,6,7

Acc OEIC Platform

Yes 1.00 1.25 0.50 1.80 GB00B5NGJ805

IM HEXAM GlobalEmerging Markets(Acc)



To achieve long-term capital growth primarily through investment inequities of emerging markets companies (either directly or indirectlythrough equity related instruments).

Emer Mkt 2,3,4,6

Acc UT A Yes 1.50 1.60 0.50 2.70 GB00B3CTJJ73

IM Russell DefensiveAssets


HSBC BankPlc (D)

To aim to achieve long-term capital appreciation, by investingpredominantly in global fixed income securities, money marketinstruments, cash and near cash and deposits.*This Fund is not available for the Offshore Collective Investment Bond &is only available in accumulation units for the Onshore CollectiveInvestment Bond.

Int Fixd 4,5,6,12

Inc/Acc

OEIC A Yes 1.35 1.62 0.35 2.50 GB00B4L3HR19/GB00B4L3HZ92

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IM RussellInternational GrowthAssets


HSBC BankPlc (D)

To aim to achieve long-term capital appreciation, by investingpredominantly in non-Sterling denominated equity securities andcollective investment schemes.*This Fund is not available for the Offshore Collective Investment Bond &is only available in accumulation units for the Onshore CollectiveInvestment Bond.

Gbl Spec 2,4,5,6,12

Inc/Acc

OEIC A Yes 1.70 1.86 0.50 2.60 GB00B4L1FW65/GB00B4JQN302

IM Russell RealAssets


HSBC BankPlc (D)

To aim to achieve long-term capital appreciation, by investingpredominantly in collective investment schemes and other investmentsthat provide exposure to alternative asset classes such as globalproperty, infrastructure, commodities (indirectly through exchange tradedcommodity index futures) and inflation linked securities.*This Fund is not available for the Offshore Collective Investment Bond &is only available in accumulation units for the Onshore CollectiveInvestment Bond.

Managed 4,5,6,12

Inc/Acc

OEIC A Yes 1.50 2.01 0.50 2.70 GB00B4L7KT67/GB00B4KZFS51

IM Russell UK GrowthAssets


HSBC BankPlc (D)

To aim to achieve long-term capital appreciation, by investingpredominantly in Sterling denominated equity securities and collectiveinvestment schemes.*This Fund is not available for the Offshore Collective Investment Bond &is only available in accumulation units for the Onshore CollectiveInvestment Bond.


OEIC A Yes 1.65 1.81 0.50 2.40 GB00B4KQSD47/GB00B4KQX622

IM Verbatim Portfolio3 (Acc)


HSBC BankPlc (D)

To use a broadly defensive investment strategy with the aim of achievingcapital growth over the medium to longer term. The fund will invest incollective investment schemes (regulated and unregulated) as well asdirectly held transferable securities, derivatives, cash, deposits, warrantsand money market instruments. *This Fund is not available for theOffshore Collective Investment Bond.

Managed 6,7,10 Acc OEIC A Yes 1.40 1.95 0.50 2.60 GB00B3MLWH25



HSBC BankPlc (D)

To use a broadly cautious managed investment strategy with the aim ofachieving capital growth over the medium to longer term. The fund willinvest in collective investment schemes (regulated and unregulated) aswell as directly held transferable securities, derivatives, cash, deposits,warrants and money market instruments. *This Fund is not available forthe Offshore Collective Investment Bond.

Managed 6,7,10 Acc OEIC A Yes 1.40 1.99 0.50 2.60 GB00B3P4WJ04

IM Verbatim Portfolio5 (Growth) (Acc)


HSBC BankPlc (D)

To use a broadly cautious balanced strategy with the aim of achievingcapital growth over the medium to longer term. The fund will invest incollective investment schemes (regulated and unregulated) as well asdirectly held transferable securities, derivatives, cash, deposits, warrantsand money market instruments. *This Fund is not available for theOffshore Collective Investment Bond.

Managed 2,6,7,10

Acc OEIC A Yes 1.40 1.99 0.50 2.60 GB00B3P36V74

IM Verbatim Portfolio5 (Income) (Inc)


HSBC BankPlc (D)

To use a broadly cautious balanced investment strategy with the aim ofachieving income with some potential for capital growth over the mediumto longer term. The fund will invest in collective investment schemes(regulated and unregulated) as well as directly held transferablesecurities, derivatives, cash, deposits, warrants and money marketinstruments.*This Fund is not available for the Offshore Collective Investment Bond.

Managed 6,7,10 Inc OEIC A Yes 1.40 1.99 0.50 2.60 GB00B3MLWT47



HSBC BankPlc (D)

To use a broadly balanced investment strategy with the aim of achievingcapital growth over the medium to longer term. The fund will invest incollective investment schemes (regulated and unregulated) as well asdirectly held transferable securities, derivatives, cash, deposits, warrantsand money market instruments. *This Fund is not available for theOffshore Collective Investment Bond.

Managed 2,6,7,10

Acc OEIC A Yes 1.40 1.94 0.50 2.60 GB00B3PRL253

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HSBC BankPlc (D)

To use a broadly growth investment strategy with the aim of achievingcapital growth over the medium to longer term. The fund will invest incollective investment schemes (regulated and unregulated) as well asdirectly held transferable securities, derivatives, cash, deposits, warrantsand money market instruments. *This Fund is not available for theOffshore Collective Investment Bond.

Managed 2,6,7,10

Acc OEIC A Yes 1.40 2.11 0.50 2.60 GB00B3PS5716

IM WHEBSustainability (Acc)



To achieve capital growth over the medium to longer term which exceedsthe performance of the MSCI World Index of Shares. *This Fund is notavailable for the Offshore Collective Investment Bond.

Gbl Spec 2,3,4,6,12

Acc OEIC A Yes 1.50 1.78 0.50 2.40 GB00B4LDCG53

Insight AbsoluteInsight (Ap) (Acc)

Insight InvestmentFunds ManagementLimited - 160 QueenVictoria Street,London EC4V 4LA


To deliver attractive, positive absolute returns in all market conditions.The fund may also invest, to the extent permitted by the Regulations, inancillary liquid assets (including units in collective investment schemes),permitted money market instruments and, from time to time, cash or nearcash may be held. *The Annual Management Charge for this fundincludes allowance for a performance-related fee, for further informationplease go to the rear of this document.

Managed 2,3,4,5,6,7,

14

Acc OEIC Ap Yes 2.31 2.63 0.50 3.40 GB00B5MF4S35

Insight AbsoluteInsight UK EquityMarket Neutral (Acc)


State StreetCustodialServices(Ireland)Limited (D)

To seek to provide attractive, positive absolute returns in all marketconditions through discretionary management and may employ a range ofhedging techniques. *The Annual Management Charge for this fundincludes allowance for a performance-related fee, for further informationplease go to the rear of this document. *Please note that this fund isdomiciled outside of the UK. This means that rules and regulations madeunder the Financial Services & Markets Act 2000 of the United Kingdomfor the protection of investors do not apply to the fund and that theFinancial Services Compensation Scheme established by the FinancialServices Authority may not apply in relation to any investment in theFund. Additionally, the taxation of income and gains for UK residentinvestors may be different to UK domiciled funds. The tax liability willdepend on the fund’s Reporting status and whether income is treated asdividends or interest. Your financial adviser will be able to explain howthese differences impact you depending on the characteristics of the fundand your individual circumstances.

UK Equity 1,3,4,6,7,14

Acc OEIC AP CIAonly

2.31 2.66 0.50 3.30 IE00B39G4X01

Insight DiversifiedDynamic Return (Acc)



To achieve capital growth. The policy of the Fund is to gain exposure toone or more of the following asset classes: fixed income, cash, near cashand deposits, equities, property, collective investment schemes whichhave as their objective an absolute or target return and structuredproducts.

Managed 4,6,7 Acc OEIC A Yes 1.50 2.33 0.50 3.00 GB0034001460

Insight DiversifiedHigh Income (Inc/Acc)



To produce a high level of income together with potential capital growth.The Fund also aims to deliver positive total returns on an annual basis.The policy of the Fund is to gain exposure to one or more of the followingasset classes: fixed income, cash, near cash and deposits, equities,property, collective investment schemes which have as their objective anabsolute or target return and structured products.

Managed 4,6,7,11

Inc/Acc

OEIC A Yes 1.50 2.40 0.50 3.00 GB0033999326/GB0033999102

Insight DiversifiedTarget Return (Acc)



To deliver positive returns on an annual basis with the prospect of long-term capital growth commensurate with investment in equities. The policyof the Fund is to gain exposure to one or more of the following assetclasses: fixed income, cash, near cash and deposits, equities, property,collective investment schemes which have as their objective an absoluteor target return and structured products.

Managed 4,6,7 Acc OEIC A Yes 1.50 2.28 0.50 2.90 GB00B064GB85

Insight MonthlyIncome (Inc/Acc)



To provide a high and increasing monthly income together with long-termcapital growth by investing primarily in shares of UK companies andsterling-denominated fixed interest securities.


OEIC A Yes 1.50 1.88 0.50 2.50 GB0008475534/GB0008475641

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Insight MonthlyIncome Bond (Inc/Acc)



To achieve a high level of income, with the possibility of capital growth,through investment in high yield and investment grade fixed and variablerate securities mainly denominated in sterling.

UK Fixed 2,5,6,11

Inc/Acc

OEIC A Yes 1.10 1.63 0.35 2.20 GB0033700781/GB0033700567

Insight UK DynamicManaged (Acc)



To produce capital growth. The Fund will be invested predominantly inunits or shares of collective investment schemes, which investpredominantly in UK equities. The Fund may also invest directly in UKequities.


Insight Wealth BuilderBalanced (Inc/Acc)



To achieve capital growth. The policy of the Fund is to gain exposure toone or more of the following asset classes: fixed income, cash, near cashand deposits, equities, property, collective investment schemes whichhave as their objective an absolute or target return and structuredproducts.


OEIC A Yes 1.50 2.38 0.50 3.00 GB0033998351/GB0033998682

Insynergy Odey (Acc) Insynergy InvestmentManagement Ltd, 25Moorgate, London,EC2R 6AY

State StreetCustodialServices(Ireland) Ltd(D)

To achieve long-term capital growth from investing predominantly inworldwide equitiesand fixed interest stocks.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Gbl Spec 2,4,7,11

Acc OEIC A Yes 1.25 2.19 0.35 2.80 IE00B4KYYS59

Invesco PerpetualAsian (Inc/Acc)

Invesco FundManagers Ltd - 30Finsbury Square,London EC2A 1AG


To achieve capital growth in Asia and Australasia, excluding Japan. Thefund intends to invest primarily in shares of companies in Asia andAustralasia (excluding Japan), although it may include other Asian andAustralasian related investments. In pursuing this objective, the fundmanagers may include investments that they consider appropriate whichinclude transferable securities, money market instruments, warrants,collective investment schemes, deposits and other permitted investmentsand transactions.


OEIC n/a Yes 1.50 1.69 0.50 2.30 GB0033049031/GB0033028225

Invesco PerpetualBalanced Risk 10(Acc)



To achieve long term capital growth through different economicenvironments by investing in derivatives and other financially linkedinstruments to gain exposure to three main asset classes: fixed income,equities and commodities. *This Fund is not available for the OffshoreCollective Investment Bond.

Managed 2,4,6,7

Acc OEIC n/a Yes 1.25 1.70 0.35 2.30 GB00B6TQN454

Invesco PerpetualBalanced Risk 6 (Acc)




Managed 2,4,6,7

Acc OEIC n/a Yes 1.25 1.70 0.35 2.30 GB00B4NN8K91

Invesco PerpetualBalanced Risk 8 (Acc)




Managed 2,4,6,7

Acc OEIC n/a Yes 1.25 1.70 0.35 2.30 GB00B50P2K30

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Invesco PerpetualChildrens (Acc)



To achieve longer term capital growth through a portfolio of investmentsin UK companies. In pursuing this objective, the fund managers mayinclude investments that they consider appropriate which may includetransferable securities, money market instruments, warrants, collectiveinvestment schemes, deposits and other permitted investments andtransactions.

UK Equity 4,6 Acc OEIC n/a Yes 1.50 1.77 0.50 2.40 GB0033031047

Invesco PerpetualCorporate Bond (Inc/Acc)



To achieve a high level of overall return, with relative security of capital. Itintends to invest primarily in fixed interest securities. In pursuing thisobjective, the fund managers may include investments that they considerappropriate which include transferable securities, money marketinstruments, warrants, collective investment schemes, deposits and otherpermitted investments and transactions.

UK Fixed 4,5,6,12

Inc/Acc

OEIC n/a Yes 1.00 1.19 0.25 1.80 GB0033050690/GB0033028779

Invesco PerpetualDistribution (Inc/Acc)



To achieve a balance of income and capital growth through a portfolio ofprimarily UK equity and fixed interest securities. In pursuing this objective,the fund managers may include investments that they considerappropriate which include transferable securities, money marketinstruments, warrants, collective investment schemes, deposits and otherpermitted investments and transactions.

Managed 4,5,6,11,12

Inc/Acc

OEIC n/a Yes 1.38 1.57 0.50 2.20 GB0033947333/GB0033947226

Invesco PerpetualEmerging Countries(Inc/Acc)



To achieve capital growth primarily through a portfolio of shares incompanies established and/or operating in countries where, in the opinionof the Manager, there is an emerging market. Exposure to such marketswill partially be obtained through indirect investment in securities tradedon other markets. In pursuing this objective, the fund managers mayinclude investments that they consider appropriate which includetransferable securities, money market instruments, warrants, collectiveinvestment schemes, deposits and other permitted investments andtransactions.


OEIC n/a Yes 1.50 1.74 0.50 2.30 GB0033053371/GB0033030304

Invesco PerpetualEmerging European(Inc/Acc)



To achieve long-term capital growth from investment primarily in sharesof companies in emerging European countries, and also in Russia.


OEIC n/a Yes 1.50 1.85 0.50 2.50 GB00B28J0Y68/GB00B28J0X51

Invesco PerpetualEuropean Equity (Inc/Acc)



To achieve capital growth in Continental Europe. The fund intends toinvest primarily in shares in companies in Continental Europe, although itmay include other European related investments. In pursuing thisobjective, the fund managers may include investments that they considerappropriate which include transferable securities, money marketinstruments, warrants, collective investment schemes, deposits and otherpermitted investments and transactions.


OEIC n/a Yes 1.50 1.71 0.50 2.30 GB0033048843/GB0033028001

Invesco PerpetualEuropean EquityIncome (Inc/Acc)



To generate a rising level of income, together with long-term capitalgrowth investing primarily into European equities, excluding the UK.

European 2,4,6,11

Inc/Acc

OEIC n/a Yes 1.50 1.72 0.50 2.30 GB00B28J0T16/GB00B28J0S09

Invesco PerpetualEuropean High Yield(Inc/Acc)



To achieve a high level of income whilst seeking to maximise total returnthrough investing in high yielding corporate and government bonds,together with UK and European equities. In pursuing this objective, thefund managers may include investments that they consider appropriatewhich include transferable securities, money market instruments,warrants, collective investment schemes, deposits and other permittedinvestments and transactions.

Int Fixd 4,5,6,12

Inc/Acc

OEIC n/a Yes 1.25 1.59 0.50 2.20 GB0033049254/GB0033028555

Invesco PerpetualEuropeanOpportunities (Inc/Acc)



To achieve capital growth through a portfolio of investments primarily inEuropean companies, excluding the UK.


OEIC n/a Yes 1.50 1.75 0.50 2.40 GB00B28J0P77/GB00B28J0N53

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Invesco PerpetualEuropean SmallerCompanies (Acc)



To achieve capital growth through a portfolio of investments in smallerEuropean companies, excluding the United Kingdom. In pursuing thisobjective, the fund managers may include investments that they considerappropriate which include transferable securities, money marketinstruments, warrants, collective investment schemes, deposits and otherpermitted investments and transactions.

European 4,6,12 Acc OEIC n/a Yes 1.50 1.71 0.50 2.30 GB0033030189

Invesco PerpetualGlobal Bond (Inc/Acc)



To achieve a good overall investment return in the medium to long termwith relative security of capital. The fund intends to invest primarily ininternational bonds of differing interest yields and maturities. It mayinclude debentures and loan stock. In pursuing this objective, the fundmanagers may include investments that they consider appropriate whichinclude transferable securities, money market instruments, warrants,collective investment schemes, deposits and other permitted investmentsand transactions.

Int Fixd 4,5,6,12

Inc/Acc

OEIC n/a Yes 1.00 1.19 0.25 1.80 GB0033049692/GB0033028662

Invesco PerpetualGlobal Equity (Inc/Acc)



To achieve capital growth by investing in equities quoted on worldstockmarkets. In pursuing this objective, the fund managers may includeinvestments that they consider appropriate which include transferablesecurities, money market instruments, warrants, collective investmentschemes, deposits and other permitted investments and transactions.


OEIC n/a Yes 1.50 1.69 0.50 2.30 GB0033051664/GB0033029074

Invesco PerpetualGlobal Equity Income(Inc/Acc)



To generate a rising level of income, together with long-term capitalgrowth, investing primarily in global equities. In pursuing this objective,the fund managers may include investments that they considerappropriate which include transferable securities, money marketinstruments, warrants, collective investment schemes, deposits and otherpermitted investments and transactions.

Gbl Spec 2,4,6,11

Inc/Acc

OEIC n/a Yes 1.50 1.70 0.50 2.30 GB00B3FD1Y59/GB00B3FD1X43

Invesco PerpetualGlobal FinancialCapital (Inc/Acc)



To aim to deliver an attractive total return, over the medium to long term,through a combination of income and capital growth by investing primarilyin bank and other financial capital (including equity and equity linkedsecurities and instruments), other debt securities, cash and cashequivalents. *This Fund is not available for the Offshore CollectiveInvestment Bond & is only available in accumulation units for the OnshoreCollective Investment Bond.

Managed 3,4,5,6,9,11

Inc/Acc

OEIC n/a Yes 1.25 1.70 0.35 2.30 GB00B3ZZ0997/GB00B42XRV41

Invesco PerpetualGlobal Opportunities(Acc)



To achieve long-term capital growth through a portfolio of primarily globalequities. In pursuing this objective, the fund managers may includeinvestments that they consider appropriate which include transferablesecurities, money market instruments, warrants, collective investmentschemes, deposits and other permitted investments and transactions.

Gbl Spec 2,4,6 Acc OEIC n/a Yes 1.50 1.71 0.50 2.30 GB0033029181

Invesco PerpetualGlobal SmallerCompanies (Inc/Acc)



To achieve capital growth through a portfolio of investments ininternational securities. The fund intends to invest mainly in shares ofsmaller companies, which are quoted on the world's stock markets. Inpursuing this objective, the fund managers may include investments thatthey consider appropriate which include transferable securities, moneymarket instruments, warrants, collective investment schemes, depositsand other permitted investments and transactions.

Gbl Spec 2,4,6,12

Inc/Acc

OEIC n/a Yes 1.50 1.70 0.50 2.30 GB0033053264/GB0033030296

Invesco PerpetualHigh Income (Inc/Acc)



To achieve a high level of income together with capital growth. The fundintends to invest primarily in companies listed in the UK, with the balanceinvested internationally. In pursuing this objective, the fund managersmay include investments that they consider appropriate which includetransferable securities, money market instruments, warrants, collectiveinvestment schemes, deposits and other permitted investments andtransactions.


OEIC n/a Yes 1.50 1.69 0.50 2.30 GB0033054015/GB0033031484

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Invesco PerpetualHong Kong and China(Acc)



To achieve capital growth through a portfolio of investments with anexposure to the economies of Hong Kong and China. Exposure to Chinawill be largely obtained through indirect investment in securities traded onother markets. In pursuing this objective, the fund managers may includeinvestments that they consider appropriate which include transferablesecurities, money market instruments, warrants, collective investmentschemes, deposits and other permitted investments and transactions.

Far East 2,4,6 Acc OEIC n/a Yes 1.50 1.68 0.50 2.30 GB0033028332

Invesco PerpetualIncome (Inc/Acc)



To achieve a reasonable level of income, together with capital growth.The fund intends to invest primarily in companies listed in the UK, withbalance invested internationally. In pursuing this objective, the fundmanagers may include investments that they consider appropriate whichinclude transferable securities, money market instruments, warrants,collective investment schemes, deposits and other permitted investmentsand transactions.


OEIC n/a Yes 1.50 1.68 0.50 2.30 GB0033053827/GB0033031260

Invesco PerpetualIncome and Growth(Inc/Acc)



To produce an above average level of income combined with long termcapital growth by investing primarily in equities listed in the UK. Inpursuing this objective, the fund managers may include investments thatthey consider appropriate which include transferable securities, moneymarket instruments, warrants, collective investment schemes, depositsand other permitted investments and transactions.


OEIC n/a Yes 1.50 1.70 0.50 2.30 GB0033053488/GB0033030742

Invesco PerpetualJapan (Acc)



To achieve capital growth in Japan. The fund intends to invest primarily inshares of companies in Japan, although it may include other Japaneserelated investments. The fund managers may include investments thatthey consider appropriate which include transferable securities, moneymarket instruments, warrants, collective investment schemes, depositsand other permitted investments and transactions.

Japan 3,4,6 Acc OEIC n/a Yes 1.50 1.67 0.50 2.30 GB0033028118

Invesco PerpetualJapanese SmallerCompanies (Acc)



To achieve capital growth, primarily through a portfolio of investments insmaller Japanese companies. In pursuing this objective, the fundmanagers may include investments that they consider appropriate whichinclude transferable securities, money market instruments, warrants,collective investment schemes, deposits and other permitted investmentsand transactions.

Japan 3,4,6,12

Acc OEIC n/a Yes 1.50 1.71 0.50 2.30 GB0033030411

Invesco PerpetualLatin American (Inc/Acc)



To achieve capital growth in Latin America. The fund intends to investprimarily in shares of companies in South and Central America (includingMexico) and the Caribbean, although it may include other Latin Americanrelated investments. In pursuing this objective, the fund managers mayinclude investments that they consider appropriate which includetransferable securities, money market instruments, warrants, collectiveinvestment schemes, deposits and other permitted investments andtransactions.


OEIC n/a Yes 1.50 1.73 0.50 2.30 GB0033048280/GB0033027706

Invesco PerpetualManaged Growth (Inc/Acc)



To achieve capital growth from a portfolio primarily of qualifying funds. Inpursuing this objective, the fund managers may include investments thatthey consider appropriate which include transferable securities, moneymarket instruments, warrants, collective investment schemes, depositsand other permitted investments and transactions.

Managed 2,3,4,6,12

Inc/Acc

OEIC n/a Yes 1.50 1.90 0.50 2.50 GB0033052076/GB0033029298

Invesco PerpetualManaged Income (Inc/Acc)



To achieve capital growth and a higher than average level of income froma portfolio primarily of qualifying funds. In pursuing this objective, the fundmanagers may include investments that they consider appropriate whichinclude transferable securities, money market instruments, warrants,collective investment schemes, deposits and other permitted investmentsand transactions.

Managed 2,3,4,6,11,12

Inc/Acc

OEIC n/a Yes 1.50 1.90 0.50 2.50 GB0033052308/GB0033029306

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Invesco PerpetualMoney (Acc)



To produce a high level of income return combined with a high degree ofsecurity. The fund intends to invest in Sterling based or related moneymarket fund assets. In pursuing this objective, the fund managers mayinclude investments that they consider appropriate which includetransferable securities, money market instruments, warrants, collectiveinvestment schemes, deposits and other permitted investments andtransactions.*This Fund is not available through the Individual Savings Account (ISA).

Cash/MM 4,6 Acc OEIC n/a CIAOnly

0.50 0.50 0.00 1.00 GB0033029413

Invesco PerpetualMonthly Income Plus(Inc/Acc)



To achieve a high level of income whilst seeking to maximise total returnthrough investing in high yielding corporate and Government bonds,together with UK equities. In pursuing this objective, the fund managersmay include investments that they consider appropriate which includetransferable securities, money market instruments, warrants, collectiveinvestment schemes, deposits and other permitted investments andtransactions.

UK Fixed 4,5,6,11,12

Inc/Acc

OEIC n/a Yes 1.25 1.44 0.50 2.00 GB0033051334/GB0033028886

Invesco PerpetualPacific (Inc/Acc)



To achieve capital growth in the Far East, including Australasia. The fundintends to invest primarily in shares of companies in the Far East,although it may include other Far Eastern related investments. Inpursuing this objective, the fund managers may include investments thatthey consider appropriate which include transferable securities, moneymarket instruments, warrants, collective investment schemes, depositsand other permitted investments and transactions.


OEIC n/a Yes 1.50 1.69 0.50 2.30 GB0033049148/GB0033028449

Invesco PerpetualTactical Bond (Inc/Acc)



To maximise total return primarily through a flexible allocation to fixedinterest securities and cash.

UK Fixed 4,5,6,12

Inc/Acc

OEIC n/a Yes 1.25 1.45 0.35 2.00 GB00B4V7X088/GB00B4V74V60

Invesco Perpetual UKAggressive (Inc/Acc)



To achieve long-term capital growth through a portfolio of primarily UKsecurities. Investment may occasionally be made in securities ofcompanies with significant sources of profit from, or close economic linkswith, the UK. In pursuing this objective, the fund managers may includeinvestments that they consider appropriate which include transferablesecurities, money market instruments, warrants, collective investmentschemes, deposits and other permitted investments and transactions.

UK Equity 1,3,4,6

Inc/Acc

OEIC n/a Yes 1.50 1.70 0.50 2.30 GB0033053603/GB0033030965

Invesco Perpetual UKGrowth (Inc/Acc)



To achieve capital growth in the UK. The fund intends to invest primarilyin companies listed in the UK. In pursuing this objective, the fundmanagers may include investments that they consider appropriate whichinclude transferable securities, money market instruments, warrants,collective investment schemes, deposits and other permitted investmentsand transactions.


OEIC n/a Yes 1.50 1.69 0.50 2.30 GB0033053710/GB0033031153

Invesco Perpetual UKSmaller CompaniesEquity (Inc/Acc)



To achieve capital growth in the UK. The fund intends to invest primarilyin shares of smaller companies in the UK. In pursuing this objective, thefund managers may include investments that they consider appropriatewhich include transferable securities, money market instruments,warrants, collective investment schemes, deposits and other permittedinvestments and transactions.


OEIC n/a Yes 1.50 1.70 0.50 2.30 GB0033113019/GB0033030528

Invesco Perpetual USEquity (Acc)



To achieve capital growth in North America. The Fund intends to investprimarily in shares of companies in the USA, but may also invest inCanada. It may include other North American related investments. Inpursuing this objective, the fund managers may include investments thatthey consider appropriate which include transferable securities, moneymarket instruments, warrants, collective investment schemes, depositsand other permitted investments and transactions.

Nth Amer 4,6 Acc OEIC n/a Yes 1.50 1.67 0.50 2.30 GB0033027698

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Investec American(Acc)

Investec FundManagers Limited - 2Gresham Street,London EC2V 7QP


To achieve long-term capital growth primarily through investment in aportfolio of equities issued by USA companies and in derivatives, theunderlying assets of which are equities issued by USA companies.*Stock Transfer form required to reregister these funds under a CIA. Anyqueries contact our helpdesk on 08456 410 410.


Investec Asia ex-Japan (Acc)



To achieve long-term capital growth primarily through investment inequities issued by companies in the Asia ex Japan region and inderivatives, the underlying assets of which are equities issued bycompanies in the Asia ex Japan region. In particular, the manager willseek to invest in companies that are expected to benefit from the growthand development of the Chinese economy.*Stock Transfer form required to reregister these funds under a CIA. Anyqueries contact our helpdesk on 08456 410 410.


Investec CapitalAccumulator (Acc)



To produce steady capital growth over the long term by investingprimarily in a portfolio of equities and related derivatives. The Fund willseek to achieve its objectives by holding investments which in the opinionof the ACD, in aggregate, and particularly over the long term, offer a levelof risk lower than that of the FTSE All-Share Index. Such investmentscould include equities, equity derivatives and equity-linked notes.Deposits and other bond investments may also be held for riskmanagement purposes.*Stock Transfer form required to reregister these funds under a CIA. Anyqueries contact our helpdesk on 08456 410 410.

UK Fixed 4,7,11,12

Acc OEIC A Yes 1.25 1.34 0.50 1.90 GB00B0DB0H64

Investec CautiousManaged (Inc/Acc)



To provide a combination of income and long-term capital growth byinvesting conservatively in a diversified portfolio of equities, bonds andother fixed interest securities of high quality and marketability. At alltimes, the Fund's equity exposure will be limited to a maximum of 60% ofthe portfolio value.*Stock Transfer form required to reregister these funds under a CIA. Anyqueries contact our helpdesk on 08456 410 410.

Managed 4 Inc/Acc

OEIC A Yes 1.50 1.61 0.50 2.20 GB0031078453/GB0031074817

Investec DiversifiedGrowth (Inc)



To aim to provide long term real returns measured in Sterling through acombination of income and capital growth by investing primarily in aglobally diversified portfolio of assets. *This Fund is not available for theOffshore Collective Investment Bond or the Onshore CollectiveInvestment Bond.

Managed 4,5,6,7

Inc OEIC A Yes 1.50 1.84 0.50 2.50 GB00B1LB1T45

Investec EmergingMarkets LocalCurrency Debt (Inc/Acc)



To achieve long term total returns primarily through investment in publicsector, sovereign and corporate bonds issued by emerging marketborrowers and in derivatives the underlying assets of which are publicsector, sovereign and corporate bonds issued by emerging marketborrowers.*Stock Transfer form required to reregister these funds under a CIA. Anyqueries contact our helpdesk on 08456 410 410.*This Fund is only available in accumulation units for the OffshoreCollective Investment Bond & the Onshore Collective Investment Bond.

Int Fixd 2,4,5,6,7,11

,12

Inc/Acc

OEIC A Yes 1.50 1.63 0.35 2.20 GB00B1XDJQ12/GB00B1XDJM73

Investec EnhancedNatural Resources(Acc)



To aim to achieve long term capital growth primarily through investmentin securities issued by companies around the globe that are expected tobenefit from a long term increase in the prices of commodities and naturalresources, and in related derivatives.*The Annual Management Charge for this fund includes allowance for aperformance-related fee, for further information please go to the rear ofthis document.*Stock Transfer form required to reregister these funds under a CIA. Anyqueries contact our helpdesk on 08456 410 410.

Gbl Spec 3,6,7 Acc OEIC P Yes 2.35 2.52 0.50 3.20 GB00B2QVXH86

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Investec European(Acc)



To achieve long-term capital growth primarily through investment in aportfolio of equities issued by continental European companies and inderivatives the underlying assets of which are equities issued bycontinental European companies.*Stock Transfer form required to reregister these funds under a CIA. Anyqueries contact our helpdesk on 08456 410 410.


Investec Global Bond(Inc/Acc)



To achieve long-term total return primarily through investment around theglobe in highly rated corporate bonds, government and sovereign bondsand public bonds (such as bonds issued by local state and municipalauthorities) which are listed or traded on recognised exchanges and inderivatives the underlying assets of which are highly rated corporatebonds, government and sovereign bonds and public bonds (such asbonds issued by local state and municipal authorities).*Stock Transfer form required to reregister these funds under a CIA. Anyqueries contact our helpdesk on 08456 410 410.*This Fund is not available for the Offshore Collective Investment Bond &is only available in accumulation units for the Onshore CollectiveInvestment Bond.


OEIC A Yes 1.00 1.12 0.00 1.70 GB00B01VDB34/GB00B65QT189

Investec GlobalEnergy (Acc)



To achieve long-term capital growth primarily through investment inequities issued by companies around the globe involved in theexploration, production or distribution of oil, gas and other energy sourcesor companies which service the energy industry and in derivatives theunderlying assets of which are equities issued by companies around theglobe involved in the exploration, production or distribution of oil, gas andother energy sources or companies which service the energy industry.*Stock Transfer form required to reregister these funds under a CIA. Anyqueries contact our helpdesk on 08456 410 410.

Gbl Spec 3,4,7,12

Acc OEIC A Yes 1.50 1.61 0.50 2.20 GB00B049P968

Investec Global FreeEnterprise (Acc)



To achieve long-term capital growth primarily through investment inequities issued by companies around the globe that are expected tobenefit from the process of privatisation, deregulation or demutualisationor otherwise believed to offer above-average opportunities for capitalgains and in derivatives the underlying assets of which are equitiesissued by companies around the globe that are expected to benefit fromthe process of privatisation, deregulation or demutualisation or otherwisebelieved to offer above-average opportunities for capital gains.*Stock Transfer form required to reregister these funds under a CIA. Anyqueries contact our helpdesk on 08456 410 410.


Investec Global Gold(Acc)



To achieve long-term capital growth primarily through investment inequities issued by companies around the globe involved in gold miningand in derivatives the underlying assets of which are equities issued bycompanies around the globe involved in gold mining.*Stock Transfer form required to reregister these funds under a CIA. Anyqueries contact our helpdesk on 08456 410 410.

Gbl Spec 3,4,7 Acc OEIC A Yes 1.50 1.61 0.50 2.20 GB00B12B5S05

Investec GlobalSpecial Situations(Acc)



To provide long term total returns primarily through investment in theshares of companies around the world. Investments will largely bedetermined by the application of a contrarian investment process and willbe in a selection of companies which will not be restricted either by size,industry, or geographical location.*Stock Transfer form required to reregister these funds under a CIA. Anyqueries contact our helpdesk on 08456 410 410.*This Fund is not available for the Offshore Collective Investment Bond.

Gbl Spec 2,4,6,7

Acc OEIC A Yes 1.50 1.61 0.50 2.20 GB00B29KNP03

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Investec ManagedDistribution (Inc/Acc)



To provide income with the opportunity for long-term capital growth. TheFund will invest in both bonds and equities and in derivatives theunderlying assets of which are bonds and equities in order to benefit fromrisk reduction through diversification. Investment will be oriented towardsbonds and may include international as well as UK equities.*Stock Transfer form required to reregister these funds under a CIA. Anyqueries contact our helpdesk on 08456 410 410.

Managed 4,5,6,7,11

Inc/Acc

OEIC A Yes 1.50 1.60 0.50 2.20 GB0031078560/GB0031074924

Investec Monthly HighIncome Bond (Inc/Acc)



To provide a combination of income and long-term capital growth,primarily through application of a contrarian approach to investment in UKequities and in derivatives the underlying assets of which are UK equities.*Stock Transfer form required to reregister these funds under a CIA. Anyqueries contact our helpdesk on 08456 410 410.

UK Fixed 2,4,5,6,7,11

,12

Inc/Acc

OEIC A Yes 1.25 1.36 0.25 1.90 GB0031141681/GB0031141798

Investec Multi-AssetProtector (Acc)



To provide long-term capital growth from a multi-asset portfolio and todeliver protection at 80% of the Fund's highest share price ever received.The Fund may take investment exposure to global equities, bonds,property, commodities, cash and alternative assets. Given the complexstructure of this Fund you should refer to the fund manager’s ownliterature for a more comprehensive explanation of the way in which itworks and the investment risks. Please go to the rear of this document formore information about this Fund.*This Fund is not available through the Individual Savings Account (ISA).*Stock Transfer form required to reregister these funds under a CIA. Anyqueries contact our helpdesk on 08456 410 410.

Managed 5,6,7,13

Acc OEIC A Yes 1.60 1.94 0.50 2.60 GB00B3CHD226

Investec StrategicBond (Inc/Acc)



To provide an income primarily through investment in high-quality bonds.The portfolio will be managed to minimise any currency risk in sterlingand derivatives may be used for investment purposes.*Stock Transfer form required to reregister these funds under a CIA. Anyqueries contact our helpdesk on 08456 410 410.

UK Fixed 4.5,6,7

Inc/Acc

OEIC A Yes 1.00 1.11 0.00 1.70 GB0031078677/GB0031075004

Investec UK SmallerCompanies (Inc/Acc)



To achieve long-term capital growth primarily through investment inequities issued by UK smaller companies and in derivatives theunderlying assets of which are equities issued by UK smaller companies.*Stock Transfer form required to reregister these funds under a CIA. Anyqueries contact our helpdesk on 08456 410 410.


OEIC A Yes 1.50 1.60 0.50 2.20 GB0031417461/GB0031075558

Investec UK SpecialSituations (Inc/Acc)



To provide a combination of income and long-term capital growth,primarily through application of a contrarian approach to investment in UKequities and in derivatives the underlying assets of which are UK equities.*Stock Transfer form required to reregister these funds under a CIA. Anyqueries contact our helpdesk on 08456 410 410.

UK Equity 3,6,7,11

Inc/Acc

OEIC A Yes 1.50 1.61 0.50 2.20 GB0031078784/GB0031075665

Iveagh Wealth (Inc/Acc)

Iveagh GlobalStrategies Plc - 33 SirJohn Rogerson'sQuay, Dublin 2,Ireland


To seek to achieve capital growth through a long-term strategic assetallocation framework.*The Annual Management Charge for this fund includes allowance for aperformance-related fee, for further information please go to the rear ofthis document.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.**This Fund is not available for the Offshore Collective Investment Bond.

Managed 1,,4,6,7,12

Inc/Acc

OEIC I Yes 2.34 3.20 0.50 3.90 IE00B3CLDT18/IE00B3CLDS01

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JOHCM ContinentalEuropean (Inc)

J O Hambro CapitalManagement Limited(Offshore) - GeorgesQuay House, 43Townsend Street,Dublin 2, Ireland

RBC DexiaInvestorServicesIreland (D)

To seek long term capital growth by investing in equity securities ofcompanies domiciled or exercising the predominant part of theireconomic activities in Europe, excluding the UK.*The Annual Management Charge for this fund does not include anallowance for a performance-related fee, for further information please goto the rear of this document.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

European 4 Inc OEIC R Yes 1.25 1.39 0.50 2.00 IE0031005436

JOHCM EmergingMarkets (Inc)



To seek long term capital growth by investing in a portfolio of equitysecurities of companies domiciled or exercising the predominant part oftheir economic activities in Emerging Markets around the world. At notime will less than two-thirds of the Fund's total assets be invested insuch securities.*The Annual Management Charge for this fund does not include anallowance for a performance-related fee, for further information please goto the rear of this document.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances. *This Fundis not available for the Offshore Collective Investment Bond.

Emer Mkt 2,4,12 Inc OEIC SterlRet

Yes 1.50 2.02 0.50 2.60 IE00B4W7Q644

JOHCM UK EquityIncome (Inc/Acc)

J O Hambro CapitalManagement Limited -Ground Floor, RyderCourt, 14 RyderStreet, London SW1Y6QB

HSBC BankPlc (D)

To achieve long-term capital appreciation and generate an aboveaverage dividend yield which will grow over time primarily throughinvestment in transferable securities although the fund may also beinvested in money market instruments, deposits, warrants and units incollective investment schemes.*The Annual Management Charge for this fund does not include anallowance for a performance-related fee, for further information please goto the rear of this document.


OEIC R CIAonly

1.25 1.32 0.50 2.50 GB00B03KR617 /GB00B03KR831

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JOHCM UK Growth(Inc)



To seek long-term capital growth by investing in solid, well managedcompanies domiciled or exercising the predominant part of theireconomic activities in the UK, capable of generating growth throughoutthe economic cycle.*The Annual Management Charge for this fund does not include anallowance for a performance-related fee, for further information please goto the rear of this document.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

UK Equity 1,4 Inc OEIC R Yes 1.25 1.37 0.50 2.00 IE0031005543

JOHCM UKOpportunities (Inc/Acc)

J O Hambro CapitalManagement Limited -Ground Floor, RyderCourt, 14 RyderStreet, London SW1Y6QB

HSBC BankPlc (D)

To achieve long-term capital appreciation through investment in aconcentrated portfolio primarily invested in transferable securities of UKcompanies.*The Annual Management Charge for this fund does not include anallowance for a performance-related fee, for further information please goto the rear of this document.


OEIC R CIAOnly

1.25 1.31 0.50 1.90 GB00B3K76P86/GB00B0LLB757

JPM Asia (Acc) JP Morgan FundsLimited - 125 LondonWall, London EC2Y5AJ

Royal Bankof ScotlandPlc (D)

To provide long-term capital growth from investment primarily in thesecurities of companies quoted or trading in Asia (excluding Japan).


JPM Cautious TotalReturn (Inc/Acc)

JP Morgan FundsLimited - 125 LondonWall, London EC2Y5AJ


To achieve over a medium-term horizon higher returns than thoseavailable from money market instruments denominated in sterling byinvesting primarily in fixed income securities, convertible bonds, equitysecurities and short-term securities of issuers located in any country.

Managed 2,4,6,7

Inc/Acc

OEIC A Yes 1.25 1.43 0.35 2.00 GB00B09RGL45/GB00B09RGK38

JPM EmergingMarkets (Acc)



To provide long term capital growth by investing primarily in equity andequity-linked securities of emerging markets companies.

Emer Mkt 2,4,6,12

Acc OEIC A Yes 1.50 1.68 0.50 2.30 GB0030881550

JPM EmergingMarkets Infrastructure(Inc/Acc)



To achieve long-term capital growth by investing primarily in emergingmarkets companies related to infrastructure opportunities. Aperformance-related fee may be applied to the Fund. The Fund managerhas chosen to waive this fee until further notice.*This Fund is not available for the Offshore Collective Investment Bond.

Emer Mkt 2,3,4,12

Inc/Acc

OEIC A Yes 1.75 1.93 0.50 2.50 GB00B3CMM649/GB00B3CMM755

JPM Europe (Acc) JP Morgan FundsLimited - 125 LondonWall, London EC2Y5AJ


To provide a portfolio primarily invested in the shares of Europeancompanies in any economic sector. The Fund aims to provide capitalgrowth over the long term.

European 4 Acc OEIC A Yes 1.50 1.68 0.50 2.30 GB0030879141

JPM Europe Dynamic(Acc)



To maximise long-term capital growth by investing primarily in ContinentalEuropean equities.

European 2,4,12 Acc OEIC A Yes 1.50 1.68 0.50 2.30 GB00B02L5M76

JPM EuropeanSmaller Companies(Acc)



To provide long-term capital growth by investing primarily in Europeansmaller companies.


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JPM Global (Acc) JP Morgan FundsLimited - 125 LondonWall, London EC2Y5AJ


To provide capital growth over the long term by investing throughout theworld in any economic sector.


JPM GlobalConsumer Trends(Acc)



To provide long-term capital growth by investing primarily in companiesthroughout the world benefitting from consumer driven opportunities.

Gbl Spec 2,4,12 Acc OEIC A Yes 1.50 1.68 0.50 2.30 GB00B2NFH261

JPM GlobalConvertible A (Dist) -GBP Hedged SICAV(Inc)

JP Morgan AssetManagement(Europe) SARL -European Bank andBusiness Centre, 6,route de Trèves,L-2633Senningerberg, GrandDuchy of Luxembourg


To provide a return by investing primarily in a diversified portfolio ofconvertible securities globally.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Int Fixd 2,4,5,6,12

Inc OEIC A CIAOnly

1.25 1.65 0.35 2.20 LU0397083378

JPM Global EquityIncome A GBPHedged (Inc/Acc)



To provide a portfolio designed to achieve high and rising income byinvesting globally, primarily in equities in any economic sector whilstparticipating in long-term capital growth.


OEIC A Yes 1.50 1.68 0.50 2.30 GB00B1JNDZ21/GB00B1JNDX07

JPM Global Financials(Acc)



To provide capital growth over the long term by investing throughout theworld in any financial services sector.


JPM Global HighYield (Inc/Acc)



To provide a high return from a diversified portfolio of bond and otherdebt securities. The Fund will invest primarily in bond and other debtsecurities of issuers in developed countries.

UK Fixed 5 Inc/Acc

OEIC A Yes 1.10 1.28 0.35 1.90 GB0008350869/GB0008350976

JPM Global PropertySecurities (Inc/Acc)



To provide long-term capital growth by investing primarily in Real-EstateInvestment Trusts (REITS) and in equity and equity-linked securities ofother real estate companies that, at the time of investment, are significantowners, developers or financiers of real estate or that provide real estaterelated services.

Gbl Spec 2,3,4,6,12

Inc/Acc

OEIC A Yes 1.50 1.68 0.50 2.30 GB00B19HGG67/GB00B19HGH74

JPM HighbridgeStatistical MarketNeutral A (Dist) - GBPHedged SICAV (Inc)



To provide a total return in all market environments in excess of thereturn on short-term instruments, through a market neutral strategy.Derivatives will be used where appropriate, to gain exposure primarily toEuropean and US equity securities.*The Annual Management Charge for this fund includes an allowance fora performance-related fee, for further information please go to the rear ofthis document.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Gbl Spec 4,6,7 Inc OEIC A CIAOnly

3.18 3.58 0.50 4.30 LU0323455815

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JPM IncomeOpportunities A (Dist)- GBP Hedged SICAV(Inc)



To achieve a return in excess of the benchmark by exploiting investmentopportunities in, amongst others, the fixed income currency markets,using derivative strategies where appropriate.*The Annual Management Charge for this fund includes allowance for aperformance-related fee, for further information please go to the rear ofthis document.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Int Fixd 2,4,5,6,7

Inc OEIC A CIAOnly

2.68 2.88 0.25 3.60 LU0323456201

JPM Japan (Acc) JP Morgan FundsLimited - 125 LondonWall, London EC2Y5AJ


To provide capital growth over the long term by investing primarily in theshares of Japanese companies.

Japan 4 Acc OEIC A Yes 1.50 1.68 0.50 2.30 GB0030879471

JPM Multi AssetIncome (Inc/Acc)



To provide income by investing primarily in a global portfolio of income-generating securities.

Managed 2,4,5,6,7,11

,12

Inc/Acc

OEIC A Yes 1.25 1.43 0.35 2.00 GB00B4N1ZR98/GB00B4N1ZJ15

JPM Multi-ManagerGrowth (Inc/Acc)



To invest worldwide in any economic sector primarily through investmenttrusts. The Fund aims to provide capital growth over the long term.Currently, in addition to investment trusts the Fund may also invest inother closed-ended funds and open-ended funds.


OEIC A Yes 1.25 1.43 0.50 2.00 GB0030869779/GB0030876352

JPM NaturalResources (Acc)



To invest, primarily in the shares of, companies throughout the worldengaged in the production and marketing of commodities. The Fund aimsto provide capital growth over the long term.


JPM New Europe(Acc)



To achieve long-term capital growth primarily through a portfolio ofcompanies operating or investing in the Central and Eastern Europeanregion. The Fund currently invests primarily in the economies of Russia,Poland, Hungary, Czech Republic and Croatia.


JPM Portfolio (Acc) JP Morgan FundsLimited - 125 LondonWall, London EC2Y5AJ


To invest in a portfolio of regulated collective investment schemesoperated or managed by JPMorgan Fleming. The Fund aims to providecapital growth over the long term.

Gbl Spec 2,4,5,12

Acc OEIC A Yes 1.50 1.97 0.50 2.60 GB0031834699

JPM SterlingCorporate Bond (Inc/Acc)



To maximise total returns by investing primarily in high quality sterlingdenominated bonds (or other bonds hedged back to sterling).

UK Fixed 2,4,5,6,7

Inc/Acc

OEIC A Yes 1.00 1.18 0.35 1.70 GB0030877434/GB0030877541

JPM Strategic Bond(Acc)



To maximise returns by investing primarily in a global portfolio of fixedand floating rate debt securities.

UK Fixed 2,3,5,6,7

Acc OEIC A Yes 1.00 1.18 0.25 1.70 GB00B3RJ9B43

JPM UK Dynamic(Inc/Acc)



To maximise long-term capital growth by investing primarily in UKequities.


OEIC A Yes 1.50 1.68 0.50 2.30 GB0009697920/GB0009698001

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JPM UK Equity &Bond Income (Inc/Acc)



To provide a high and stable income, with the prospect of capital andincome growth over the long term, by investing in a balanced portfolio ofsecurities.


OEIC A Yes 1.50 1.68 0.50 2.30 GB0030882079/GB0030882301

JPM UK Equity (Acc) JP Morgan FundsLimited - 125 LondonWall, London EC2Y5AJ


To provide long-term capital growth by investing primarily in equity andequity-linked securities of UK companies.


JPM UK HigherIncome (Inc/Acc)



To provide income and prospects of capital growth by investing primarilyin equity and equity-linked securities of UK companies. The fund aims toprovide a higher income yield than the yield on the FTSE All-Share Index.

UK Equity 3,6,11,12

Inc/Acc

OEIC A Yes 1.50 1.68 0.50 2.30 GB0030878176/GB0030878408

JPM UK SmallerCompanies (Acc)



To provide long-term capital growth by investing primarily in UK smallercompanies.

UK Equity 3,11,12

Acc OEIC A Yes 1.50 1.68 0.50 2.30 GB0030880255

JPM UK StrategicEquity Income (Inc/Acc)



To provide long-term capital growth and income through investment in avalue style biased portfolio of UK companies.


OEIC A Yes 1.50 1.68 0.50 2.30 GB0004124342/GB0004124904

JPM US (Acc) JP Morgan FundsLimited - 125 LondonWall, London EC2Y5AJ


To provide capital growth over the long term by investing primarilythrough a portfolio invested in the shares of US companies.

Nth Amer 3,4,12 Acc OEIC A Yes 1.50 1.68 0.50 2.30 GB0030878846

JPM US EquityIncome (Inc/Acc)



To provide a portfolio designed to achieve income by investing primarilyin US equities in any economic sector whilst participating in long termcapital growth.

Nth Amer 3,4,11 Inc/Acc

OEIC A Yes 1.50 1.68 0.50 2.30 GB00B3FJQ151/GB00B3FJQ045

JPM US SmallerCompanies (Acc)



To provide long-term capital growth by investing primarily in US smallercompanies.

Nth Amer 3,4,11,12

Acc OEIC A Yes 1.50 1.68 0.50 2.20 GB0030880032

Jupiter AbsoluteReturn (Acc)

Jupiter Unit TrustManagers Limited - 1Grosvenor Place,London SW1X 7JJ

Royal Bankof ScotlandPlc (T)

To seek to generate an absolute return, independent of marketconditions, by investing on a global basis.*The Annual Management Charge for this fund includes allowance for aperformance-related fee, for further information please go to the rear ofthis document.

Managed 3,4,6,7,14

Acc UT n/a Yes 2.44 2.68 0.35 3.40 GB00B5129B32

Jupiter Asian (Inc) Jupiter Unit TrustManagers Limited - 1Grosvenor Place,London SW1X 7JJ


To achieve long term capital growth by investing directly or indirectly inAsian and Pacific Basin markets in any economic sector.

Gbl Spec 2,3,4 Inc UT n/a Yes 1.50 1.88 0.50 2.60 GB0006662208

Jupiter Cash (Acc) Jupiter Unit TrustManagers Limited - 1Grosvenor Place,London SW1X 7JJ


To produce a high level of income combined with a high degree ofsecurity.This Fund is not available through the Individual Savings Account (ISA).

Cash/MM 6 Acc UT n/a CIAOnly

0.32 0.37 0.00 0.90 GB0004317631

Jupiter China (Inc/Acc)



To achieve long term capital growth through investing principally incompanies operating in China (including Hong Kong) but the fund mayalso invest in companies operating on other countries which, in theManager's opinion, conduct a material proportion of their business inChina (including Hong Kong) or derive a material proportion of theirearnings from activities in China.


UT n/a Yes 1.50 1.80 0.50 2.50 GB00B1DTDY55/GB00B1DTDX49

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Jupiter CorporateBond (Inc)



To achieve high income and the opportunity for capital growth. TheFund's investment policy is to invest primarily in fixed interest securities,as well as convertibles and preference shares with potential forinternational exposure.

UK Fixed 5,6 Inc UT n/a Yes 1.00 1.29 0.35 1.90 GB0002691805

Jupiter Distribution(Inc/Acc)



To provide a sustainable level of income and the prospect of capitalgrowth over the long term by investing in an actively balanced portfolio offixed interest securities and mainly UK equities.


UT n/a Yes 1.25 1.41 0.35 2.10 GB0031294290/GB0031294183

Jupiter Ecology (Inc) Jupiter Unit TrustManagers Limited - 1Grosvenor Place,London SW1X 7JJ


To achieve long-term capital appreciation together with a growing incomeconsistent with a policy of protecting the environment. The Fund'sinvestment policy is to invest worldwide in companies which demonstratea positive commitment to the long-term protection of the environment.

Gbl Spec 4,8 Inc UT n/a Yes 1.50 1.70 0.50 2.40 GB0005812150

Jupiter EmergingEuropeanOpportunities (Acc)



To achieve long-term capital growth through investment primarily inCentral and Eastern Europe.

Emer Mkt 2,4 Acc UT n/a Yes 1.50 2.01 0.50 2.70 GB0031862534

Jupiter European (Inc) Jupiter Unit TrustManagers Limited - 1Grosvenor Place,London SW1X 7JJ


To achieve long-term capital growth. The Fund's investment policy is toinvest in companies quoted on a European Stock Exchange.

European 4 Inc UT n/a Yes 1.50 1.79 0.50 2.40 GB0006664683

Jupiter EuropeanIncome (Inc/Acc)



To produce a high and rising income from a policy of investing chiefly inhigh quality companies with operations or stock markets listed in Europe.The manager aims to outperform the MSCI Europe Ex UK Index. *ThisFund is not available for the Offshore Collective Investment Bond & isonly available in accumulation units for the Onshore CollectiveInvestment Bond.


UT n/a Yes 1.50 1.81 0.50 2.40 GB00B1VV2K24 /GB00B1VV2H94

Jupiter EuropeanSpecial Situations(Acc)



To achieve long-term capital growth by exploiting special situationsprincipally in Europe.

European 4 Acc UT n/a Yes 1.50 1.80 0.50 2.40 GB0004911540

Jupiter FinancialOpportunities (Inc)



To achieve long-term capital growth principally through investment inequities of financial sector companies on an international basis.

Gbl Spec 3,4 Inc UT n/a Yes 1.50 1.76 0.50 2.40 GB0004790191

Jupiter Fund ofInvestment Trusts(Inc)



To achieve long term capital growth through investing principally ininvestment trusts and other closed-end investment companies listed onthe London Stock Exchange.

Gbl Spec 2,3,4,7

Inc UT n/a Yes 1.50 1.89 0.50 2.60 GB0004795034

Jupiter GlobalEmerging Markets(Acc)



To achieve long term capital growth through investment in the securitiesof companies incorporated in, or exposed to, emerging market economiesworldwide. *This Fund is not available for the Offshore CollectiveInvestment Bond.

Emer Mkt 2,4,12 Acc UT n/a Yes 1.50 1.88 0.50 2.60 GB00B4JVHP59

Jupiter GlobalManaged (Inc/Acc)



To achieve long-term capital growth principally through investment inequities on an international basis.


UT n/a Yes 1.50 1.77 0.50 2.40 GB0002440245 /GB00B3Y68S87

Jupiter Growth &Income (Inc)



To achieve long-term capital and income growth through investingprincipally in UK equities.

UK Equity 3,11 Inc UT n/a Yes 1.50 1.81 0.50 2.50 GB0001577351

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Jupiter High Income(Inc)



To achieve a high and rising income with capital growth by investingprincipally in equities and high yielding convertible securities, with someexposure to fixed interest securities, primarily in the UK.

UK Equity 4,5,6,11

Inc UT n/a Yes 1.50 1.81 0.50 2.50 GB0004792684

Jupiter Income (Inc) Jupiter Unit TrustManagers Limited - 1Grosvenor Place,London SW1X 7JJ


To produce a high income, increasing at least in line with inflation, from amanaged portfolio chiefly invested in UK equities and fixed intereststocks, with some overseas exposure.

UK Equity 4,11 Inc UT n/a Yes 1.50 1.69 0.50 2.40 GB0004791389

Jupiter India (Acc) Jupiter Unit TrustManagers Limited - 1Grosvenor Place,London SW1X 7JJ


To achieve long-term capital growth by investing primarily in companieswhich operate or reside in India.

Emer Mkt 2,3,4,12

Acc UT n/a Yes 1.50 1.87 0.50 2.60 GB00B2NHJ040

Jupiter InternationalFinancial (Acc)



To achieve long term capital growth principally through investment inequities and equity related securities of financial sector companies on aninternational basis, but with the power to invest in other asset types whenthe Manager considers it appropriate for market conditions.*The Annual Management Charge for this fund does not include anallowance for a performance-related fee, for further information please goto the rear of this document.

Gbl Spec 3,4,6,7

Acc UT n/a Yes 1.25 1.52 0.35 2.20 GB00B551H564

Jupiter Japan Income(Inc/Acc)



To achieve long term capital and income growth by investing in acombination of Japanese equities and convertible bonds as well as cash,deposits and money market instruments.

Japan 3,4,6,11

Inc/Acc

UT n/a Yes 1.50 1.76 0.50 2.40 GB00B0HZR397/GB00B0HZTZ55

Jupiter MerlinBalanced Portfolio(Inc/Acc)



To achieve long term capital growth with income by investingpredominantly in unit trusts, OEICs, Exchange Traded Funds and othercollective investment schemes across several management groups.


UT n/a Yes 1.50 2.41 0.50 3.10 GB0031910754/GB0031845141

Jupiter Merlin GrowthPortfolio (Inc/Acc)



To achieve long term capital growth by investing predominantly in unittrusts, OEICs, Exchange Traded Funds and other collective investmentschemes across several management groups.


UT n/a Yes 1.50 2.57 0.50 3.20 GB0003629150/GB0003629267

Jupiter Merlin IncomePortfolio (Inc/Acc)



To achieve a high and rising income with some potential for capitalgrowth. The fund will invest predominately in unit trusts, OEICs,Exchange Traded Funds and other collective investment schemes acrossseveral management groups.

Managed 2,4,5,6,11

Inc/Acc

UT n/a Yes 1.50 2.43 0.50 3.10 GB0003629481/GB0003629374

Jupiter MerlinWorldwide Portfolio(Inc/Acc)



To achieve long term capital growth by investing predominantly in unittrusts, OEICs, Exchange Traded Funds and other collective investmentschemes across several management groups.


UT n/a Yes 1.50 2.57 0.50 3.20 GB0003699831/GB0031667834

Jupiter MonthlyIncome (Inc/Acc)



To achieve a high level of sustainable income with prospects of capitalgrowth by investing primarily in the UK, principally in equities via variousclasses of investment trust securities, with some exposure to fixedinterest securities.

UK Equity 5,6,7,11

Inc/Acc

UT n/a Yes 1.50 1.73 0.50 2.50 GB0009500207/GB0009500314

Jupiter NorthAmerican Income(Inc/Acc)



To achieve long term capital growth and income by investing primarily inNorth American securities. The fund will invest primarily in NorthAmerican "blue chip" companies.


UT n/a Yes 1.50 1.81 0.50 2.40 GB0003840617/GB00B1VV8F90

Jupiter ResponsibleIncome (Inc/Acc)



To provide income and long-term capital growth through investingprimarily in UK equities.


UT n/a Yes 1.50 1.84 0.50 2.50 GB00B0KV5D09/GB0008337569

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Jupiter Strategic Bond(Inc/Acc)



To achieve a high income with the prospect of capital growth by seekingout the best opportunities within the fixed interest universe globally. Thefund invests in higher yielding assets including high yield bonds,investment grade bonds, government bonds, preference shares,convertible bonds and other bonds. *This Fund is only available inaccumulation units for the Onshore Collective Investment Bond & theOffshore Collective Investment Bond.


UT A Yes 1.25 1.51 0.35 2.20 GB00B2RBBC80/GB00B2RBCS16

Jupiter StrategicReserve (Inc/Acc)



To generate positive long term returns across varying market conditionsfrom an actively managed portfolio of different asset classes on a globalbasis, by making strategic investment and asset allocation decisionsusing a wide range of asset classes.*This Fund is not available for theOffshore Collective Investment Bond.

Managed 1,4,5,6,7,9,11,14

Inc/Acc

UT n/a Yes 1.30 1.51 0.35 2.10 GB00B7PF6W28/GB00B7LFLB03

Jupiter UK Alpha(Acc)



To provide long-term capital growth from investment principally in the UKmarket by investing principally in a well spread portfolio of UK Equities.*This Fund is not available for the Offshore Collective Investment Bond.

UK Equity 3,4,6 Acc UT A Yes 1.50 1.62 0.50 2.30 GB0005773113

Jupiter UK Growth(Inc)



To obtain long-term capital growth. The Fund's investment policy is toinvest in any economic sector principally in the UK.

UK Equity n/a Inc UT n/a Yes 1.50 1.79 0.50 2.50 GB0004792130

Jupiter UK SmallerCompanies (Acc)



To achieve long-term capital growth by investing in the shares of highquality smaller companies, primarily in the UK, which the managerbelieves to have significant growth potential over the medium to long-term.


Jupiter UK SpecialSituations (Inc)



To achieve long-term capital growth by investing principally in the sharesof UK companies which are considered to be undervalued.

UK Equity 4 Inc UT n/a Yes 1.50 1.78 0.50 2.50 GB0004777347

Jupiter UndervaluedAssets (Acc)



To achieve long-term capital growth by investing it the shares of mainlyUK companies, which the manager believes have recovery potential andconsiders to be undervalued, although there is the potential for someoverseas exposure

UK Equity 4 Acc UT n/a Yes 1.50 1.78 0.50 2.50 GB0003237418

Kames AmericanEquity (Acc)

Kames Capital Plc - ,3 Lochside Avenue,Edinburgh Park,Edinburgh EH12 9SA


To maximise total return by investing principally in equities and equity-type securities in companies based in the American continent (includingboth North and South America), principally conducting business in theAmerican continent or listed on the US stock exchange.

Nth Amer 4 Acc OEIC A Yes 1.50 1.62 0.50 2.20 GB0007451858

Kames EthicalCautious Managed(Inc/Acc)



To provide a combination of income and long term capital growth byinvesting in a diversified range of UK equities, bonds and cash, whichmeet the fund's predefined ethical criteria. Equities will be limited to amaximum of 60% of the portfolio value at all times.*This Fund is onlyavailable in accumulation units for the Onshore Collective InvestmentBond & the Offshore Collective Investment Bond.

Managed 3,4,6,7,8,12

Inc/Acc

OEIC A Yes 1.25 1.36 0.50 1.90 GB00B1N9DW38 /GB00B1N9DX45

Kames EthicalCorporate Bond (Inc/Acc)



To maximise total return (income plus capital) by investing in sterling-denominated bonds issued by a company or organisation which meetsthe Fund's predefined ethical criteria. Investments may encompassinvestment grade corporate bonds, cash and up to 10% of the fund inhigher yield bonds.


OEIC A Yes 1.00 1.08 0.35 1.60 GB0005342422/GB0005342646

Kames Ethical Equity(Acc)



To maximise total return by investment in equities and equity typesecurities in companies based in the UK, principally conducting businessin the UK or listed on the UK stock market which meet the Fund'spredefined ethical criteria.


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Kames High YieldBond (Inc/Acc)



To maximise total return (income plus capital) by investing in a portfolio ofpredominantly high yield bonds, selected investment grade bonds andcash. The Fund may hold sterling and other currency denominated bondshedged back to sterling.

UK Fixed 3,4,5,6,7,11

Inc/Acc

OEIC A Yes 1.25 1.31 0.35 1.90 GB0031425126/GB0031425233

Kames InflationLinked (Acc)



To maximise total return and outperform the FTSE Index Linked Gilts,over 5 years (total return) index (for which underlying securities are linkedto UK price inflation), by investing principally in fixed income assets,equities and derivatives (including commodity indices) denominated inany currency.

Managed 3,4,6,7,12

Acc OEIC A CIAonly

1.00 1.08 0.35 1.60 GB00B4TLTY88

Kames InvestmentGrade Bond (Inc/Acc)



To maximise total return (income plus capital) by investing primarily ininvestment grade and government bonds denominated in sterling andother currencies. *This Fund is only available in accumulation units for theOnshore Collective Investment Bond & the Offshore CollectiveInvestment Bond.

UK Fixed 3,4,5,6,7,12

Inc/Acc

OEIC A Yes 1.25 1.32 0.35 1.90 GB00B1419R57/GB00B140FR45

Kames SterlingCorporate Bond (Inc/Acc)



To maximise total return (income plus capital) by investing mainly insterling-denominated bonds, encompassing investment grade corporatebonds, government bonds and cash. Up to 10% of the Fund may beinvested in high yield bonds.


OEIC A Yes 1.00 1.08 0.35 1.60 GB0007450330/GB0007450447

Kames StrategicAssets (Acc)



To achieve positive returns over a 3 year period through a multi assetapproach by investing generally in a portfolio of equities, fixed income aswell as other assets. *This Fund is not available for the OffshoreCollective Investment Bond.

Managed 4,6,7 Acc OEIC A CIAOnly

1.50 1.64 0.50 2.20 GB00B671TS86

Kames Strategic Bond(Inc/Acc)



To maximise total return (income plus capital) by investing in global debtinstruments, denominated in any currency, ranging from AAAGovernment Bonds through to high yield and emerging market corporatebonds. At least 80% of the Fund will be invested in sterling and othercurrency denominated bonds hedged back to sterling.

UK Fixed 2,3,4,5,6,7

Inc/Acc

OEIC A Yes 1.25 1.31 0.35 1.90 GB0033988436/GB0033988543

Kames UK Equity(Acc)



To maximise total return from capital and net income combined.Investment will principally be in equities and equity-type securities incompanies based in the UK, principally conducting business in the UK orlisted on the UK stock market.

UK Equity 4 Acc OEIC A Yes 1.50 1.59 0.50 2.20 GB0007450223

Kames UK EquityAbsolute Return (Acc)



To achieve a positive absolute return over a 12 month period in all marketconditions by investing principally in a portfolio of equities and equityrelated securities (including Contracts for Difference and otherderivatives) of companies based in the UK, principally conductingbusiness in the UK or listed on the UK stock market. *This Fund is notavailable for the Offshore Collective Investment Bond.

UK Equity 3,6,7,12

Acc OEIC A Yes 1.50 1.56 0.50 2.20 GB00B504CH73

Kames UKOpportunities (Acc)



To maximise total return (income plus capital) by investing in an activelymanaged portfolio of equities and equity type securities in companiesbased in the UK, principally conducting business in the UK or listed onthe UK stock market.

UK Equity 3 Acc OEIC A Yes 1.50 1.58 0.50 2.20 GB00B1N9DR84

Kames UK SmallerCompanies (Acc)



To maximise total return, from capital and net income combined, byinvesting principally in UK companies which form the bottom 10% of theUK stock market based on their market capitalisation.

UK Equity 3,12 Acc OEIC A Yes 1.50 1.64 0.50 2.20 GB00B142FH03

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Kotak India Growth(Acc)

Kotak Mahindra (UK)Ltd - 16 boulevardd'Avranches, L-1160Luxembourg

HSBCSecuritiesServices(Luxembourg) S.A

To achieve long term capital appreciation by primarily investing at leasttwo thirds of its total assets in equity and equity linked securities ofcompanies registered in India or deriving a significant portion of theirbusiness from India. The fund will invest directly and/or indirectly in equityand equity-linked securities of companies. * Please note that this fund isdomiciled outside of the UK. This means that rules and regulations madeunder the Financial Services & Markets Act 2000 of the United Kingdomfor the protection of investors do not apply to the fund and that theFinancial Services Compensation Scheme established by the FinancialServices Authority may not apply in relation to any investment in theFund. Additionally, the taxation of income and gains for UK residentinvestors may be different to UK domiciled funds. The tax liability willdepend on the fund’s Reporting status and whether income is treated asdividends or interest. Your financial adviser will be able to explain howthese differences impact you depending on the characteristics of the fundand your individual circumstances *This Fund is not available for theOffshore Collective Investment Bond.

Emer Mkt 1,2,3,4,6,12

Acc SICAV

A Yes 2.00 3.09 0.50 3.80 LU0487139478

Kotak India Midcap(Acc)



To achieve long term capital appreciation by primarily investing at leasttwo thirds of its total assets in equity and equity linked securities ofcompanies registered in India or deriving a significant portion of theirbusiness from India. The fund can invest up to one third of its total assetstemporarily in liquid assets, including money-market instruments having aresidual maturity not exceeding twelve months and demand or timedeposits. * Please note that this fund is domiciled outside of the UK. Thismeans that rules and regulations made under the Financial Services &Markets Act 2000 of the United Kingdom for the protection of investors donot apply to the fund and that the Financial Services CompensationScheme established by the Financial Services Authority may not apply inrelation to any investment in the Fund. Additionally, the taxation ofincome and gains for UK resident investors may be different to UKdomiciled funds. The tax liability will depend on the fund’s Reportingstatus and whether income is treated as dividends or interest. Yourfinancial adviser will be able to explain how these differences impact youdepending on the characteristics of the fund and your individualcircumstances *This Fund is not available for the Offshore CollectiveInvestment Bond.

Emer Mkt 1,2,3,4,6,12

Acc SICAV

A Yes 2.00 2.50 0.50 3.20 LU0511422924

Kotak IndianInfrastructure + Realty(Inc/Acc)



To achieve capital appreciation by being primarily invested in listedshares and equity linked instruments of companies which are directly orindirectly involved in infrastructure and real estate sector in India. Thefund may also achieve its objective by investing in units of mutual fundsworldwide which have similar investment objective.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.**This Fund is not available for the Offshore Collective Investment Bond& is only available in accumulation units for the Onshore CollectiveInvestment Bond.

Emer Mkt 2,4,6,12

Inc/Acc

OEIC A Yes 2.00 2.68 0.50 3.30 LU0471463488/LU0471466408

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Kotak Indian Multicap(Inc/Acc)



To achieve long term capital appreciation by being invested in equity andequity linked instruments of companies registered in India and listed onmajor Indian stock exchanges or having a substantial proportion ofbusiness in India. The fund aims to invest across the market capitalisationspectrum with a bias towards large and medium companies.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.**This Fund is not available for the Offshore Collective Investment Bond& is only available in accumulation units for the Onshore CollectiveInvestment Bond.

Emer Mkt 2,4,6,12

Inc/Acc

OEIC A Yes 1.50 4.75 0.50 5.60 LU0330728642/LU0330728303

L&G All Stocks GiltIndex Trust (Inc/Acc)

Legal & General (UnitTrust Managers)Limited - 1 ColemanStreet, London EC2R5AA


To track the total return of UK Government Securities as represented bythe FTSE Actuaries Government Securities All Stocks Index afteradjustment for management charges and taxation, by investment in arepresentative sample of stocks.


UT I CIAonly

0.20 0.23 0.00 0.70 GB0005120224/GB0002051406

L&G All Stocks IndexLinked Gilt IndexTrust (Inc/Acc)



To track the performance of the FTSE-A Index Linked (All Stocks) Index(the Index) (after adjustment from management charge and taxation).


UT I CIAonly

0.20 0.23 0.00 0.70 GB0034155712/GB0034155605

L&G Asian Income(Inc/Acc)



To generate income with some potential for capital growth throughexposure mainly to Asian securities. The trust will invest mainly insecurities across all economic sectors which are registered and quoted inthe countries included within the FTSE All World Index Pacific Basin (excJapan), the Indian sub continent and securities quoted on other stockexchanges where the underlying assets of those securities reflectinvestments in the economies of the countries listed above. *This Fund isnot available for the Offshore Collective Investment Bond & is onlyavailable in accumulation units for the Onshore Collective InvestmentBond.


UT R Yes 1.50 1.74 0.50 2.50 GB00B032BK96 /GB00B032BL04

L&G Dynamic BondTrust (Inc/Acc)



To achieve a total return by investing principally in a range of fixed andvariable rate income securities.

UK Fixed 4,5,6,11

Inc/Acc

UT R Yes 1.25 1.43 0.35 2.20 GB00B1TWMJ68/GB00B1TWMM97

L&G Ethical Trust(Inc/Acc)



To secure capital growth from a portfolio of securities for companieswhose business conforms to a range of ethical and environmentalguidelines


UT R Yes 1.00 1.15 0.25 1.80 GB0007642548/GB0009243824

L&G European IndexTrust (Inc/Acc)



To track the capital performance of the European equity markets, asrepresented by the FTSE World Europe (ex UK) Index, by investment in arepresentative sample of stocks selected from all economic sectors.


UT R Yes 0.65 0.84 0.25 1.40 GB0005135081/GB0002041142

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L&G Fixed InterestTrust (Inc/Acc)



To invest for high income and the prospects of capital growth from fixedinterest securities, including overseas issues.


UT R Yes 0.75 0.93 0.00 1.60 GB0005128516/GB0002051513

L&G Global 100 IndexTrust (Inc/Acc)



To track the capital performance of the S&P Global 100 Index. Securitiesin the S&P Global 100 Index will be held with weighting generallyproportionate to their company’s market capitalisation.*This Fund is not available for the Offshore Collective Investment Bond &is only available in accumulation units for the Onshore CollectiveInvestment Bond.

Gbl Spec 4 Inc/Acc

UT R Yes 1.00 1.15 0.25 1.70 GB0031978801/GB0031978918

L&G Global EmergingMarkets Index



To track the capital performance of global emerging equity markets, asrepresented by the FTSE All World Emerging Index. *This Fund is notavailable for the Offshore Collective Investment Bond & is only availablein accumulation units for the Onshore Collective Investment Bond.


UT R Yes 0.65 0.99 0.25 1.70 GB00B4PM4C84 /GB00B4MBFN60

L&G GlobalEnvironmentalEnterprises (Inc/Acc)



To provide capital growth through investment primarily in companies thatproduce goods or provide services relating to: energy efficiency, lowcarbon energy production or water, waste and pollution control. *ThisFund is not available for the Offshore Collective Investment Bond & isonly available in accumulation units for the Onshore CollectiveInvestment Bond.

Gbl Spec 2,3,4,12

Inc/Acc

UT R Yes 1.25 1.47 0.35 2.10 GB00B5VGNF71 /GB00B412YB17

L&G Global MacroThemes (Inc/Acc)



To provide positive returns in all market conditions over any three yearperiod and capital growth over the long term. The funds investmentstrategy will be to identify global macroeconomic themes and wherepossible exploit these themes. The fund may invest in any geographic oreconomic sector anywhere in the world.

Gbl Spec 1,4,6,7,14

Inc/Acc

UT R Yes 1.50 1.67 0.50 2.30 GB00B3DPCC88/GB00B3DPCY09

L&G InternationalIndex Trust (Inc/Acc)



To track the capital performance of global equity markets, as representedby the FTSE World (ex UK) Index, by investment in a representativesample of stocks selected from all economic sectors.


UT R Yes 0.70 0.90 0.25 1.50 GB00B2Q6HT33/GB00B2Q6HV54

L&G Japan IndexTrust (Inc/Acc)



To track the capital performance of the Japanese equity market asrepresented by the FTSE World Japan Index by investment in arepresentative sample of stocks selected from all economic sectors.*This Fund is not available for the Offshore Collective Investment Bond &is only available in accumulation units for the Onshore CollectiveInvestment Bond.

Japan 4 Inc/Acc

UT R Yes 0.65 0.83 0.25 1.40 GB0005135420/GB0002050879

L&G Multi ManagerBalanced Trust (Inc/Acc)



To achieve long-term capital growth, whilst at the same time safeguardingagainst excessive risks. The fund aims to invest in a wide range ofcollective investment schemes and will pursue an active asset allocationpolicy across all countries, currencies and sector representations. *TheAnnual Management Charge for this fund does not include an allowancefor a performance-related fee, for further information please go to the rearof this document. *This Fund is not available for the Offshore CollectiveInvestment Bond & is only available in accumulation units for the OnshoreCollective Investment Bond.

Managed 2,4,5,6

Inc/Acc

UT R Yes 1.00 1.79 0.25 2.40 GB00B2Q4RZ35/GB00B2Q4RX11

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L&G Multi ManagerGrowth Trust (Inc/Acc)



To provide long term capital growth. The fund aims to invest in a widerange of collective investment schemes including unregulated collectiveinvestment schemes, and will pursue an active asset allocation policyacross all countries, currencies and sector representations. *The AnnualManagement Charge for this fund does not include an allowance for aperformance-related fee, for further information please go to the rear ofthis document. *This Fund is not available for the Offshore CollectiveInvestment Bond & is only available in accumulation units for the OnshoreCollective Investment Bond.

Managed 2,4,5,6

Inc/Acc

UT R Yes 1.00 1.81 0.25 2.40 GB00B2Q4RS67/GB00B2Q4RQ44

L&G Multi ManagerIncome Trust (Inc/Acc)



To achieve a high income with some potential for capital growth. The fundaims to invest in a wide range of collective investment schemes includingunregulated collective investment schemes and willl pursue an activeasset allocation policy across all countries, currencies and sectorrepresentations. *The Annual Management Charge for this fund does notinclude an allowance for a performance-related fee, for further informationplease go to the rear of this document. *This Fund is not available for theOffshore Collective Investment Bond & is only available in accumulationunits for the Onshore Collective Investment Bond.

Managed 2,4,5,6,11

Inc/Acc

UT R Yes 1.00 1.80 0.25 2.40 GB00B2Q4RW04/GB00B2Q4RV96

L&G Pacific IndexTrust (Inc/Acc)



To track the capital performance of the stock markets of the Pacificregion, as represented by the FTSE World Asia Pacific ex Japan Index,by investment in a representative sample of stocks selected from alleconomic sectors.*This Fund is not available for the Offshore Collective Investment Bond &is only available in accumulation units for the Onshore CollectiveInvestment Bond.


UT R Yes 0.65 0.85 0.25 1.40 GB0005200703/GB0002050218

L&G UK 100 IndexTrust (Inc/Acc)



To track the capital performance of the UK equity market as representedby the FTSE® 100 Index.


UT R Yes 0.65 0.81 0.25 1.40 GB00B0CNH619/GB00B0CNH726

L&G UK Alpha Trust(Acc)



To provide the potential for long term growth by investing in aconcentrated portfolio of UK equities from larger as well as small tomedium sized companies, which may be selected from all economicsectors.

UK Equity 3,12 Acc UT R Yes 1.50 1.67 0.50 2.80 GB00B079QX49

L&G UK Index Trust(Inc/Acc)



To track the capital performance of the UK equity market, as representedby the FTSE All Share Index, by investment in a representative sample ofstocks selected from all economic sectors.


UT R Yes 0.40 0.56 0.00 1.10 GB0005141709/GB0001036531

L&G UK PropertyTrust (Inc/Acc)



To achieve income and capital growth through investing generally in realcommercial property.*This Fund is only available in accumulation units for the OnshoreCollective Investment Bond & the Offshore Collective Investment Bond.*The Total Expense Ratio for this fund includes allowance for a PropertyExpense Ratio, for further information please go to the rear of thisdocument.

Property 6,10,12

Inc/Acc

UT R Yes 1.25 1.71 0.35 2.40 GB00B0X5MP07/GB00B0X5N465

L&G US Index Trust(Inc/Acc)



To track the capital performance of the US equity market, as representedby the FTSE World USA Index, by investment in a representative sampleof stocks selected from all economic sectors.


UT R Yes 0.65 0.82 0.25 1.40 GB0005141923/GB0001981215

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Lazard EmergingMarkets (Inc/Acc)

Lazard FundManagers Limited - 50Stratton Street,London W1J 8LL


To achieve long-term capital growth by investing in companies located in,or doing significant business in, emerging market countries.

Emer Mkt 2,4 Inc/Acc

OEIC R CIAOnly

1.50 1.61 0.50 2.20 GB0008469586/GB00B24F1P65

Lazard EuropeanAlpha (Inc)



The aim of the sub fund is to achieve capital growth at a rate greater thanthat of the FTA World Europe ex. UK Index, measured in sterling. Theportfolio will consist of actively managed investments in equity, equityrelated & debt related issues of continental European markets.

European 3,4 Inc OEIC R CIAOnly

1.50 1.58 0.50 2.20 GB0008468844

Lazard EuropeanSmaller Companies(Acc)



To achieve long-term capital growth by investing in European smallercompanies, being generally the smallest 10% of European listedcompanies, measured by market capitalisation.

European 4,12 Acc OEIC R CIAOnly

1.50 1.61 0.50 2.20 GB00B24F0K46

Lazard Global EquityIncome (Inc/Acc)



To seek to generate substantial income as well as long-term capitalgrowth by investing in global securities, seeking to diversify incomestream through exposure to a portfolio of high-yielding securities,comprising primarily of equities, a proportion of which may be emergingmarkets.


OEIC R CIAOnly

1.50 1.59 0.50 2.20 GB00B24DPY79/GB00B24DPX62

Lazard UK Alpha (Inc/Acc)



To achieve long-term capital growth by investing in a concentratedportfolio of UK equities.

UK Equity 3 Inc/Acc

OEIC R CIAOnly

1.50 1.56 0.50 2.20 GB0008468398/GB00B24F0W67

Lazard UK Income(Inc/Acc)



To achieve a reasonable level of income combined with capital growthfrom a portfolio of securities primarily made up of equity investmentslisted in the United Kingdom.


OEIC R CIAOnly

1.25 1.34 0.50 1.90 GB0008469818/GB0008470147

Lazard UK OMEGA(Inc/Acc)



To achieve long-term capital growth through a portfolio of primarily UKlisted securities. Investments may also be made in securities ofcompanies with significant sources of profit from or close economic linkswith the UK.


OEIC R CIAOnly

1.50 2.75 0.50 3.40 GB00B05N2H42/GB00B24DZV47

Lazard UK SmallerCompanies (Inc)



To achieve capital growth at a greater rate than the Hoare Govett SmallerCompanies (Ex. Investment Trusts) Index.

UK Equity 12 Inc OEIC R CIAOnly

1.50 1.59 0.50 2.20 GB0008470477

Legg Mason AsiaPacific (Acc)

Legg MasonInvestment FundsLimited - 75 KingWilliam Street,London EC4N 7BE


To achieve capital growth, principally through investment in securities ofcompanies based in the Asia Pacific region, excluding Japan.

Far East 2,3,4,12

Acc OEIC A Yes 1.50 1.88 0.50 2.50 GB0034100486

Legg Mason GlobalBlue Chip Bond (Inc)



To achieve a total return via income yield and capital appreciation whileseeking to mitigate capital erosion, by investing in a range of fixedinterest securities including, but not limited to, corporate bonds,government bonds, asset-backed securities and mortgage-backedsecurities.

UK Fixed 2,4,5,6,7,11

Inc OEIC A Yes 1.00 1.36 0.25 1.90 GB0033505313

Legg Mason GlobalMulti Strategy Bond(Inc)



To maximise total return through income and capital appreciation bydiversifying across a range of fixed income securities, sectors andcurrencies.*This Fund is not available for the Offshore Collective Investment Bond orthe Onshore Collective Investment Bond.

Int Fixd 2,4,5,6,7,11

Inc OEIC A Yes 1.25 1.45 0.35 2.00 GB00B2R8FG10

Legg Mason JapanEquity (Acc)



To achieve capital growth through investment in securities of Japanesecompanies, which have above average growth prospects relative to theshares of Japanese companies as a whole.

Japan 1,3,4,12

Acc OEIC A Yes 1.50 1.93 0.50 2.50 GB0033507467

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ISIN

(IN

C/A

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Legg Mason USEquity (Acc)



To achieve capital growth, principally through investment in securities ofUS issuers which the ACD (Legg Mason) believes are undervalued. Thefund may also invest up to 20% of its assets in securities of non USissuers.

Nth Amer 3,4,11,12

Acc OEIC A Yes 1.50 1.75 0.50 2.40 GB0033506725

Legg Mason USSmaller Companies(Acc)



To achieve capital growth, principally through investment in securities ofsmaller US companies with emphasis placed on finding companies thatpossess excellent business strengths and/or prospects, high internalrates of return and low leverage, and whose securities are tradingsignificantly below the investment advisers estimate of their current worth.


Liontrust EuropeanAbsolute Return (Acc)

Liontrust FundPartners LLP - 2Savoy Court, LondonWC2R 0EZ


To achieve a positive absolute return for investors through a portfolio ofinvestments primarily in equities and equity related securities (includingderivatives for investment purposes) of European companies. * TheAnnual Management Charge for this fund includes allowance for aperformance-related fee, for further information please go to the rear ofthis document.

Gbl Spec 4,6,7,14

Acc UT n/a Yes 3.08 3.75 0.50 4.60 GB00B6100440

Liontrust EuropeanGrowth (Inc)



To provide long-term capital growth through a portfolio of investmentsprimarily in European companies excluding the UK.

European 3,4,6,7

Inc UT n/a Yes 1.50 1.72 0.50 2.40 GB00B1GKBD09

Liontrust Income (Inc) Liontrust FundPartners LLP - 2Savoy Court, LondonWC2R 0EZ


To provide a high level of income, with capital values keeping pace withinflation.

UK Equity 3,4,6,7,11,12

Inc UT n/a Yes 1.50 1.62 0.50 2.30 GB0007010795

Liontrust SpecialSituations (Inc)



To provide long term capital growth by investing primarily in aconcentrated portfolio of UK companies' shares.


Inc UT n/a Yes 1.75 1.89 0.50 2.70 GB00B0N6YF70

Liontrust UK Growth(Inc)



To provide long-term capital growth through investment in a portfolio ofmainly UK equities, but with the option of investing part of the portfoliooverseas.

UK Equity 4,6,7,12

Inc UT n/a Yes 1.50 1.66 0.50 2.40 GB0007014557

Liontrust UK SmallerCompanies (Inc)



To provide long-term capital growth by investing primarily in smaller UKcompanies displaying a high degree of intellectual capital and employeemotivation through equity ownership in their business model.

UK Equity 6,7,12 Inc UT n/a Yes 1.50 1.66 0.50 2.70 GB0007420788

M&G American (A)(Inc)

M&G SecuritiesLimited - FairburnBusiness Centre,Laurence PountneyHill, London EC4R0HH


To provide long term capital growth through investment wholly or mainlyin securities of North American (including Canadian) issuers. When notwholly invested as above, it may only invest in companies which arelisted, registered, or trading within North America.

Nth Amer 4 Inc OEIC A Yes 1.50 1.67 0.50 2.30 GB0030926736

M&G American (X)(Inc/Acc)



To provide long term capital growth through investment wholly or mainlyin securities of North American (including Canadian) issuers. When notwholly invested as above, it may only invest in companies which arelisted, registered, or trading within North America.

Nth Amer 4 Inc/Acc

OEIC X CIAOnly

1.50 1.67 0.50 2.30 GB0031949661/GB0031950008

M&G Asian (A) (Inc/Acc)



The Fund's sole objective is long term capital growth. It invests wholly ormainly in a range of Asian (including Australasian) securities. When notwholly invested as above, the Fund may also invest in global securitieswith the exception of Japanese securities.

Far East 2,3,4,12

Inc OEIC A Yes 1.50 1.71 0.50 2.30 GB0030939440

Fu

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(£10

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ISIN

(IN

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CC

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M&G Asian (X) (Inc/Acc)



The Fund's sole objective is long term capital growth. It invests wholly ormainly in a range of Asian (including Australasian) securities. When notwholly invested as above, the Fund may also invest in global securitieswith the exception of Japanese securities.

Far East 2,3,4,12

Inc/Acc

OEIC X CIAOnly

1.50 1.73 0.50 2.30 GB0031956799/GB0031956807

M&G Cautious MultiAsset (Inc/Acc)



To maximise total return (the combination of income and growth ofcapital) through investment in a diversified range of asset types. Subjectto this, the fund aims to grow income in the long term.

Managed 4,6,7,11

Inc/Acc

OEIC A Yes 1.35 1.77 0.35 2.40 GB00B1P9ZK31/GB00B1P9ZJ26

M&G Corporate Bond(A) (Inc/Acc)



To achieve a higher total return (the combination of income and growth ofcapital) from investment than would be obtainable in UK governmentfixed interest securities (i.e. gilts) of similar maturities.

UK Fixed 5,6,7,12

Inc/Acc

OEIC A Yes 1.00 1.16 0.25 1.70 GB0031285678/GB0031285785

M&G Dividend (Inc/Acc)



To achieve a steadily increasing income stream by investing mainly in arange of UK equities. The fund will target a yield higher than that of theFTSE All-Share Index. Subject to this, the aim will be to maximise totalreturn (the combination of income and growth of capital).


OEIC X CIAOnly

1.50 1.66 0.50 2.30 GB0031958407/GB0031958514

M&G EmergingMarkets Bond (Inc/Acc)



The fund aims to maximise total return (the combination of income andgrowth of capital). The fund invests mainly in debt instruments issued byemerging market borrowers including government, government agencyand corporate debt.

Int Fixd 2,3,4,5,6,7,

12

Inc/Acc

OEIC X CIAOnly

1.25 1.48 0.35 2.10 GB0031286205/GB0031286312

M&G EuropeanCorporate Bond (A)(Inc/Acc)



To maximise total return (the combination of income and growth ofcapital) while generating a higher level of income than that fromEuropean Government bonds of similar maturities.

Int Fixd 4,5,6,7,12

Inc/Acc

OEIC A Yes 1.00 1.16 0.35 1.70 GB0032178419/GB0032178633

M&G European HighYield Bond (Inc/Acc)



To maximise total return (the combination of income and growth ofcapital) while generating a high level of income by investing in higheryielding debt instruments denominated in any currency and will normallybe managed to give investors exposure to European currencies.

Int Fixd 4,5,6,7,12

Inc/Acc

OEIC X CIAOnly

1.25 1.46 0.35 2.00 GB0031287948/GB0031288029

M&G EuropeanSmaller Companies(A) (Inc)



To achieve long term capital growth by investment in smaller companiesin Europe. It will invest wholly or mainly in securities of Europeancompanies which constitute the bottom third in terms of total marketcapitalisation of all publically listed equity in Europe. When not whollyinvested as above, the fund may only invest in medium and largercapitalised companies in order to enhance the liquidity of the fund.

European 1,3,4,12

Inc OEIC A Yes 1.50 1.70 0.50 2.30 GB0030929524

M&G EuropeanSmaller Companies(X) (Inc/Acc)



To achieve long term capital growth by investment in smaller companiesin Europe. It will invest wholly or mainly in securities of Europeancompanies which constitute the bottom third in terms of total marketcapitalisation of all publically listed equity in Europe. When not whollyinvested as above, the fund may only invest in medium and largercapitalised companies in order to enhance the liquidity of the fund.

European 1,3,4,12

Inc/Acc

OEIC X CIAOnly

1.50 1.71 0.50 2.30 GB0031951857/GB0031951964

Fu

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ISIN

(IN

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)

M&G Extra Income(Inc/Acc)



To invest mainly in a range of UK equities with the aim of achieving ahigh income stream which also increases over time. The target yield is50% higher than that of the FTSE All-Share Index but this may vary in theshorter term. Although income will be the primary consideration, theinvestment manager will also be mindful of total return (the combinationof income and growth of capital).


OEIC X CIAOnly

1.25 1.41 0.50 2.00 GB0031956914/GB0031957094

M&G Gilt and FixedInterest Income (Inc/Acc)



To provide a secure income with stability of capital consistent withinvestment in gilts.


OEIC A No 0.75 0.91 0.00 1.20 GB0031107807/GB0031108433

M&G Global Basics(Inc/Acc)



To achieve long term capital growth. The fund is a global equity fundwhich invests wholly or mainly in companies operating in basic industries('primary' and 'secondary' industries) and also in companies that servicethese industries. The fund may also invest in other global equities.


OEIC X CIAOnly

1.50 1.67 0.50 2.30 GB0031952269/GB0031952376

M&G GlobalConvertible (Inc/Acc)



To maximise long-term total return to investors by investing mainly inglobal convertible assets.

Int Fixd 1,2,4,6,7,12

Inc/Acc

OEIC A Yes 1.50 1.67 0.50 2.30 GB00B1Z68270/GB00B1Z68163

M&G Global Dividend(Inc/Acc)



To deliver a dividend yield above the market average by investing mainlyin a range of global equities. The fund aims to grow distributions over thelong term whilst also maximising total return (the combination of incomeand growth of capital).

Gbl Spec 2,4,6,7,11

Inc/Acc

OEIC A Yes 1.50 1.69 0.50 2.30 GB00B39R2M86/GB00B39R2L79

M&G GlobalEmerging Markets(Acc)



To maximise long term total return (the combination of capital growth andincome) by investing emerging market countries.

Emer Mkt 1,2,4,6,7

Acc OEIC A Yes 1.50 1.76 0.50 2.40 GB00B3FFXV23

M&G Global Growth(A) (Inc/Acc)



To maximise long term total return (the combination of capital growth andincome) by investing mainly in a wide range of global equities.

Gbl Spec 4 Inc/Acc

OEIC A Yes 1.50 1.68 0.50 2.30 GB0030937840/GB0030938038

M&G Global Growth(X) (Inc/Acc)



To maximise long term total return (the combination of capital growth andincome) by investing mainly in a wide range of global equities.

Gbl Spec 4 Inc/Acc

OEIC X CIAOnly

1.50 1.68 0.50 2.30 GB0031956021/GB0031956138

M&G Global Leaders(A) (Inc)



The aim of the fund is to maximise long term total return (the combinationof income and growth of capital). The fund invests in a wide range ofglobal equities issued by companies that the fund manager considers tobe, or have the potential to be, leading in their field in terms of improvingshareholder value.

Gbl Spec 2,4,11 Inc OEIC A Yes 1.50 1.68 0.50 2.40 GB0030934276

Fu

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ISIN

(IN

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)

M&G Global Leaders(X) (Inc/Acc)



The aim of the fund is to maximise long term total return (the combinationof income and growth of capital). The fund invests in a wide range ofglobal equities issued by companies that the fund manager considers tobe, or have the potential to be, leading in their field in terms of improvingshareholder value.


OEIC X CIAOnly

1.50 1.68 0.50 2.30 GB0031953788/GB0031953895

M&G Global MacroBond (Inc/Acc)



To maximise long term total return (the combination of income andgrowth of capital) by investing mainly in debt instruments on a globalbasis which include, but not limited to, variable rate securities, fixedinterest securities, sovereign debt and corporate debt.

Int Fixd 4,5,6,7,12

Inc/Acc

OEIC A Yes 1.25 1.42 0.35 2.10 GB0031616708/GB0031616815

M&G High Interest(Inc)



To provide income with stability of capital by mainly investing in debtinstruments (which include, but are not limited to: variable rate securities,fixed interest securities, gilts and corporate debt).

Cash/MM 6,7,12 Inc OEIC A No 0.50 0.65 0.00 1.10 GB0031110397

M&G High YieldCorporate Bond (Inc/Acc)



To maximise total return (the combination of income and growth ofcapital) while generating a high level of income. The fund investspredominantly in higher yielding corporate debt instruments which may bedenominated in Sterling, European currencies and other major globalcurrencies.

UK Fixed 4,5,6,7,12

Inc/Acc

OEIC X CIAOnly

1.25 1.41 0.35 2.00 GB0031110405/GB0031110512

M&G Income MultiAsset (Inc/Acc)



To generate a high and rising level of income over time throughinvestment in a diversified range of assets. Subject to this, the fund aimsto provide capital growth over the long term.

Managed 2,4,6,7,11

Inc/Acc

OEIC A Yes 1.35 1.67 0.35 2.30 GB00B48VC629/GB00B4054K09

M&G Index-LinkedBond (Inc/Acc)



To secure the value of capital and income from the effects of inflation witha long-term total return consistent with investment in index-linked bonds.

UK Fixed 4,6,7,12

Inc/Acc

OEIC A No 0.50 0.66 0.00 1.20 GB0031111361/GB0031111478

M&G InternationalSovereign Bond (Inc/Acc)



To maximise total return (the combination of income and growth ofcapital) through investment in a portfolio of investment grade debtinstruments.

Int Fixd 2,4,6,7,12

Inc/Acc

OEIC A No 1.00 1.20 0.25 1.70 GB0031288912/GB0031289092

M&G InternationalSpecialist Equity (Inc/Acc)



To aim to maximise long term capital growth from a portfolio ofpredominantly international equities. Income is not a consideration. Thefund predominantly invests in an internationally diversified range ofequities issued by companies which, at the time of investment, themanager believes are out of favour with the market or whose futureprospects are not fully recognised by the market.

Gbl Spec 2,4,6,7,9,12

Inc/Acc

OEIC A Yes 1.50 1.66 0.50 2.30 GB00B3V2KY90/GB00B6QQDK47

M&G Japan (Inc) M&G SecuritiesLimited - FairburnBusiness Centre,Laurence PountneyHill, London EC4R0HH


To provide long term capital growth by investing in a wide range ofsecurities of Japanese issuers, covering most aspects of the economy.Income is not a consideration when investments are selected.

Japan 1,3,4 Inc OEIC A CIAOnly

1.50 1.71 0.50 2.30 GB0030938368

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M&G Japan (Inc/Acc) M&G SecuritiesLimited - FairburnBusiness Centre,Laurence PountneyHill, London EC4R0HH


To provide long term capital growth by investing in a wide range ofsecurities of Japanese issuers, covering most aspects of the economy.Income is not a consideration when investments are selected.

Japan 1,3,4 Inc/Acc

OEIC X CIAOnly

1.50 1.71 0.50 2.30 GB0031956245/GB0031956351

M&G Japan SmallerCompanies (Inc/Acc)



The sole objective of the fund is long term capital growth. The fundinvests wholly or predominantly in securities of smaller Japanesecompanies, the universe for which is the bottom third in terms of totalmarket capitalisation of all publically listed equity in Japan.When notwholly invested as above, the fund may also invest in medium sized andlarger companies in order to enhance its liquidity.

Japan 1,,3,4,12

Inc/Acc

OEIC X CIAOnly

1.50 1.73 0.50 2.40 GB0031956468/GB0031956682

M&G Managed (A)(Inc/Acc)



To maximise total return (the combination of income and growth ofcapital) by investing mainly in securities, fixed income assets, warrants,money market instruments, deposits, cash, near cash and propertymainly via collective investment schemes, but, with the exception ofproperty, may invest directly in these assets.

Managed 2,4,6,7,11

Inc/Acc

OEIC A Yes 1.50 1.86 0.50 2.50 GB0031960478/GB0031960585

M&G Managed (X)(Inc)



To maximise total return (the combination of income and growth ofcapital) by investing mainly in securities, fixed income assets, warrants,money market instruments, deposits, cash, near cash and propertymainly via collective investment schemes, but, with the exception ofproperty, may invest directly in these assets.

Managed 2,4,6,7,11

Inc OEIC X CIAOnly

1.50 1.90 0.50 2.50 GB0031616922

M&G ManagedGrowth (A) (Inc/Acc)



To achieve long-term capital growth by investing predominantly incollective investment schemes in order to provide a well diversifiedexposure to global equities.

Managed 4,6 Inc/Acc

OEIC A Yes 1.50 1.67 0.50 2.30 GB0031960692/GB0031960700

M&G ManagedGrowth (X) (Inc)



To achieve long-term capital growth by investing predominantly incollective investment schemes in order to provide a well diversifiedexposure to global equities.

Managed 4,6 Inc OEIC X CIAOnly

1.50 1.67 0.50 2.30 GB0031617003

M&G Optimal Income(Inc/Acc)



To provide a total return to investors based on exposure to optimalincome streams in investment markets.

UK Fixed 1,4,5,6,7,12

Inc/Acc

OEIC A Yes 1.25 1.43 0.35 2.00 GB00B1H05049/GB00B1H05155

M&G Pan European(A) (Inc)



To maximise long term total return (the combination of income andgrowth of capital). The fund invests wholly or mainly in European(including UK) companies. The fund may also invest in companiesoutside Europe but only when these companies derive the majority oftheir income from European activity.

Gbl Spec 4,11 Inc OEIC A Yes 1.50 1.68 0.50 2.30 GB0030927700

M&G Pan European(X) (Inc/Acc)



To maximise long term total return (the combination of income andgrowth of capital). The fund invests wholly or mainly in European(including UK) companies. The fund may also invest in companiesoutside Europe but only when these companies derive the majority oftheir income from European activity.


OEIC X CIAOnly

1.50 1.68 0.50 2.30 GB0031950552/GB0031950883

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M&G PropertyPortfolio (Inc)



To maximise long term total return (the combination of income andgrowth of capital) through investment mainly in commercial property.*The Total Expense Ratio for this fund includes allowance for a PropertyExpense Ratio, for further information please go to the rear of thisdocument.

Property 4,6,7,10,12

Inc UT A Yes 1.50 1.84 0.50 2.50 GB00B0N9Z315

M&G Recovery (A)(Inc/Acc)



To achieve capital growth by predominantly investing in a diversifiedrange of securities issued by companies which are out of favour, indifficulty or whose future prospects are not fully recognised by the market.


OEIC A Yes 1.50 1.65 0.50 2.20 GB0031289100/GB0031289217

M&G Recovery (X)(Inc/Acc)



To achieve capital growth by predominantly investing in a diversifiedrange of securities issued by companies which are out of favour, indifficulty or whose future prospects are not fully recognised by the market.


OEIC X CIAOnly

1.50 1.65 0.50 2.20 GB0031959694/GB0031959702

M&G SmallerCompanies (A) (Inc)



To invest in smaller companies, where good management can have mostimpact on earnings. Investment in such shares can offer prospects ofabove average capital growth. Income is not a major factor and the yieldcan be expected to be less than that of the FTSE All-Share Index.

UK Equity 1,3,12 Inc OEIC A Yes 1.50 1.66 0.50 2.30 GB0031289324

M&G SmallerCompanies (X) (Inc/Acc)



To invest in smaller companies, where good management can have mostimpact on earnings. Investment in such shares can offer prospects ofabove average capital growth. Income is not a major factor and the yieldcan be expected to be less than that of the FTSE All-Share Index.


OEIC X CIAOnly

1.50 1.66 0.50 2.30 GB0031959819/GB0031959926

M&G StrategicCorporate Bond (A)(Inc/Acc)



To maximise total return (the combination of income and growth ofcapital) by mainly investing in investment grade corporate bonds. Thefund may invest in derivatives in pursuit of the fund objective and for thepurpose of efficient portfolio management.

UK Fixed 5,6,7,12

Inc/Acc

OEIC A Yes 1.00 1.16 0.25 1.70 GB0033828020/GB0033828137

M&G UK Growth (Inc/Acc)



To invest principally in UK companies with high growth potential with thesole objective of capital growth. Income considerations are ignored.


OEIC X CIAOnly

1.50 1.66 0.50 2.30 GB0031957870/GB0031957987

M&G UK Growth (Inc) M&G SecuritiesLimited - FairburnBusiness Centre,Laurence PountneyHill, London EC4R0HH


To invest principally in UK companies with high growth potential with thesole objective of capital growth. Income considerations are ignored.

UK Equity n/a Inc OEIC A CIAOnly

1.50 1.66 0.50 2.30 GB0031111700

M&G UK InflationLinked CorporateBond (Inc/Acc)



To protect the value of capital and income from inflation by generating areturn consistent with or greater than UK inflation over the medium tolong term.

UK Fixed 4,5,6,7

Inc/Acc

OEIC A Yes 1.00 1.17 0.25 1.70 GB00B3WZMB82/GB00B44VX079

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M&G UK Select (A)(Inc)



To maximise total return (the combination of income and growth ofcapital) by investing in a range of UK equities.


M&G UK Select (X)(Inc/Acc)



To maximise total return (the combination of income and growth ofcapital) by investing in a range of UK equities.

UK Equity 3 Inc/Acc

OEIC X CIAOnly

1.50 1.67 0.50 2.30 GB0031958282/GB0031958399

Margetts InternationalStrategy (Acc)

Margetts FundManagement Limited -Unit 6 SovereignCourt, 8 GrahamStreet, Birmingham,West Midlands B13JR

BNY MellonTrust &Depositary(UK) Limited(T)

To provide long-term capital growth on a medium-risk basis from anactively managed spread of collective investment schemes investingpredominantly in equity, equity linked and fixed interest investments in thevarious world markets.*This Fund is not available for the Offshore Collective Investment Bond.

Gbl Spec 1,2,4,6

Acc UT N/A Yes 1.48 1.64 0.50 2.20 GB0007021685

Margetts ProvidenceStrategy (Inc/Acc.)



To provide a balance of long-term capital growth and increasing incomeby investment in any economic sector in any geographic area in regulatedcollective investment schemes which are, or have the characteristics of,securities funds and money market funds and otherwise as permittedfrom time to time for a fund of funds.*This Fund is not available for the Offshore Collective Investment Bondand is only available in accumulation units for the Onshore CollectiveInvestment Bond.

Managed 4,5,6,11

Inc/Acc

UT N/A Yes 1.48 1.59 0.50 2.20 GB0007938276/GB0007938490

Margetts SelectStrategy (Acc)



To provide medium- to long-term capital growth on a medium-risk basisthrough the specific active management of a diversified portfolio of moneymarket and securities funds investing in equity and fixed interest marketsin the UK, Europe and throughout the world.*This Fund is not available for the Offshore Collective Investment Bond.

Managed 4,5,6 Acc UT N/A Yes 1.48 1.60 0.50 2.20 GB0006584097

Margetts VentureStrategy (Acc)



To provide long-term capital growth by investment in any economic sectorin any geographic area in regulated collective investment schemes whichare, or have the characteristics of, securities funds and money marketfunds and otherwise as permitted from time to time for a fund of funds,with particular attention being focused on Far Eastern and EmergingMarket funds.*This Fund is not available for the Offshore Collective Investment Bond.

Managed 1,2,4,6

Acc UT N/A Yes 1.48 1.62 0.50 2.20 GB0007938383

MarlboroughBalanced (Acc)

Marlborough FundManagers Limited -Marlborough House,59 Chorley NewRoad, Bolton,Lancashire BL1 4QP

HSBC BankPlc (T)

To provide medium to long term capital growth on a medium risk basis byinvesting primarily in a diversified portfolio of units/shares of collectiveinvestment schemes, and transferable securities, on a global basis.

Managed 4,6,12 Acc UT n/a Yes 1.50 2.84 0.50 2.50 GB0007148629

Marlborough BondIncome (Inc)


HSBC BankPlc (T)

To provide a high level of income with the potential for capital growth.This will be achieved by investing in UK corporate bonds and preferenceshares, UK and other government securities, Eurobonds and other fixedand variable rate securities including, where appropriate and permitted byCOLL, convertible securities.

UK Fixed 4,5,6,7,11

Inc UT n/a Yes 1.50 1.60 0.35 2.20 GB0004326707

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Marlborough Cautious(Inc/Acc)


HSBC BankPlc (T)

To provide an above average and subsequently increasing level ofincome with the potential for some capital growth by investing primarily ina diversified portfolio of units/shares of collective investment schemes,and transferable securities, on a global basis.

Managed 4,6,11,12

Inc/Acc

UT n/a Yes 1.50 2.50 0.50 3.20 GB0008542184/GB0002257847

Marlborough ETFCommodity (Acc)


HSBC BankPlc (D)

To achieve capital growth by investing in a portfolio of global commodityExchange Traded Funds and other global commodity collectiveinvestment schemes.

Gbl Spec 3,4,6,12

Acc OEIC A Yes 1.50 2.03 0.50 2.70 GB00B195JD82

Marlborough ETFGlobal Growth (Acc)


HSBC BankPlc (D)

To prioritise capital growth by investing primarily in either single countryor regional market based Exchange Traded Funds.

Gbl Spec 3,4,6,12

Acc OEIC A Yes 1.50 2.26 0.50 2.90 GB00B195JJ45

Marlborough Global(Acc)


HSBC BankPlc (T)

To provide medium to long term capital growth by investing primarily in adiversified portfolio of units/shares of collective investment schemes, andtransferable securities, on a global basis.

Gbl Spec 4,6,12 Acc UT n/a Yes 1.50 2.36 0.50 3.00 GB0008626979

Marlborough MultiCap Inc (Inc/Acc)


HSBC BankPlc (D)

To seek to generate an attractive and growing level of dividend income inaddition to long term capital growth by investing in a diversified portfolioof equities predominantly listed in the UK. The fund will invest primarily inthe shares of small to medium capitalisation companies where bothcapital and dividend growth are anticipated. *This Fund is not availablefor the Offshore Collective Investment Bond & is only available inaccumulation units for the Onshore Collective Investment Bond.

UK Equity 4,6,11,12

Inc/Acc

OEIC A Yes 1.50 1.55 0.50 2.10 GB00B42TBF45/GB00B5L8VH15

Marlborough SpecialSituations (Acc)


HSBC BankPlc (T)

To provide investors with capital growth by following a speculative policyinvesting in smaller companies, new issues and companies going througha difficult period with good recovery prospects.

UK Equity 4,12 Acc UT n/a Yes 1.50 1.54 0.50 2.20 GB00B659XQ05

Marlborough UKLeading Companies(Inc)


HSBC BankPlc (D)

To provide investors with medium to long term capital growth by investingin an actively managed portfolio of UK equities principally in companieswhich are amongst the leading companies in their business sector.

UK Equity 4,12 Inc UT A Yes 1.50 1.54 0.50 2.10 GB0005662787

Marlborough UKMicro Cap Growth(Acc)


HSBC BankPlc (T)

To provide a total return of capital and income in excess of the total returnachieved by the FTSE Small Cap Index (ex Investment Companies), overthe medium to long term.

UK Equity 4,12 Acc UT n/a Yes 1.50 1.52 0.50 2.10 GB00B02TPH60

Martin Currie AsiaPacific (Acc)

Martin Currie UnitTrusts Limited -Saltire Court, 20Castle Terrace,Edinburgh EH1 2ES


To produce long-term capital growth by investment in any economicsector in all or any of the Middle East, the Indian sub-continent, Australia,New Zealand and the Far East, excluding Japan.

Far East 2,3,4,6,12

Acc OEIC A Yes 1.50 1.71 0.50 2.30 GB0031559635

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Martin Currie China(Acc)



To produce long-term capital growth by investing in companies listed inChina and companies or other entities with significant assets,investments, production activities, trading or other business interests inChina, or which derive a significant part of their revenue from China.*This Fund is not available for the Offshore Collective Investment Bond.

Far East 1,2,3,4,12

Acc OEIC A Yes 1.50 1.81 0.50 2.40 GB00B63RDM24

Martin CurrieEmerging Markets(Acc)



To produce long-term capital growth by investment in a portfolio ofsecurities world-wide in any economic sector, but it is anticipated thatinvestment will generally be concentrated in what the investmentmanager considers to be the smaller and developing markets around theworld.

Emer Mkt 2,4,6,12

Acc OEIC A Yes 1.50 2.04 0.50 2.70 GB0031559965

Martin CurrieEuropean EquityIncome (Inc/Acc)



To provide an income in excess of the benchmark as well as the potentialfor capital appreciation.The fund will invest directly or indirectly primarilyin equities of companies listed in Continental Europe, but may also investin companies listed in the UK.

European 3,4,6,11

Inc/Acc

OEIC A Yes 1.50 1.92 0.50 2.50 GB00B7F3J729/GB0031560187

Martin Currie GFGlobal Resources(Inc)

Martin CurrieInvestmentManagement Ltd -Saltire Court, 20Castle Terrace,Edinburgh EH1 2ES

State StreetBankLuxembourgS.A.

To produce long-term capital growth. The fund will invest in a minimum oftwo thirds of its total assets (after deduction of ancillary liquid assets) inequities of companies globally which are predominantly engaged in theenergy, basic materials and utilities sectors.*Please note that this fund isdomiciled outside of the UK. This means that rules and regulations madeunder the Financial Services & Markets Act 2000 of the United Kingdomfor the protection of investors do not apply to the fund and that theFinancial Services Compensation Scheme established by the FinancialServices Authority may not apply in relation to any investment in theFund. Additionally, the taxation of income and gains for UK residentinvestors may be different to UK domiciled funds. The tax liability willdepend on the fund’s Reporting status and whether income is treated asdividends or interest. Your financial adviser will be able to explain howthese differences impact you depending on the characteristics of the fundand your individual circumstances.*This Fund is not available for theOffshore Collective Investment Bond.

Gbl Spec 2,3,4,6,12

Inc SICAV

£ CIAOnly

1.50 2.00 0.50 2.60 LU0399621449

Martin Currie GlobalAlpha (Acc)



Unconstrained by sector or country allocations, the Fund’s aim is toprovide superior long-term returns by investing in a concentrated portfolioof primarily large and medium-sized companies.

Gbl Spec 2,3,4,6,12

Acc OEIC A Yes 1.50 1.71 0.50 2.30 GB00B142HS57

Martin Currie GlobalEnergy (Acc)



Unconstrained by any benchmark, the Fund aims to deliver capital growthby investing in equities whose predominant economic activity is in theexploration, development, production, distribution and transportation ofenergy.

Gbl Spec 2,4,6 Acc OEIC A Yes 1.50 1.78 0.50 2.40 GB00B60DQW42

Martin Currie GlobalEquity Income (Inc/Acc)



To provide an income return with some potential for capital appreciation.The portfolio will seek to provide an income in excess of the prospectivedividend yield of the MSCI World Index.

Gbl Spec 2,4,6,11,12

Inc/Acc

OEIC A Yes 1.50 1.92 0.50 2.50 GB0031560302/GB00B0VYF057

Martin Currie IF Japan(Acc)



To produce capital growth by investment in Japan in any economicsector.


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Martin Currie LatinAmerica (Acc)



To deliver capital growth by investing directly or indirectly, primarily inequities of companies based in Latin America or carrying out significantbusiness activities in the region. The portfolio will consist primarily oftransferable securities. *This Fund is not available for the OffshoreCollective Investment Bond.

Emer Mkt 2,3,4,6,12

Acc OEIC A Yes 1.50 2.00 0.50 2.60 GB00B3Q31S81

Martin Currie NorthAmerican (Acc)



To produce capital growth by investment in the United States of Americaand Canada.

Nth Amer 3,4,6,12

Acc OEIC A Yes 1.50 1.65 0.50 2.20 GB0031560740

MGTS FrontierAdventurous (Acc)



To provide long term growth and income through an active investmentstrategy which will include investments within higher risk / faster growtheconomies (when considered appropriate) using an actively managedportfolio. Investments will include exposure at any one time to equities,fixed interest investments, money marekt instruments, cash and propertyfunds (some of which may be unregulated). The fund will invest globallyand is expected to include significant exposure to Asia Pacific, EmergingMarket and other higher risk investments from time to time.

Managed 2, 3,4, 6,12

Acc OEIC B Yes 1.85 1.97 0.50 2.60 GB00B4NCG027

MGTS FrontierCautious (Inc/Acc)



To provide long term growth and income through a cautious investmentstrategy using an actively managed portfolio with exposure at any onetime to equities, fixed interest investments, money market instruments,cash and property funds (some of which may be unregulated). The fundwill invest mainly in the United Kingdom and Europe, with the possibilityof some exposure to Asia Pacific and other world markets. *This Fund isonly available in accumulation units for the Onshore CollectiveInvestment Bond & the Offshore Collective Investment Bond.

Managed 2,3,4,6,12

Inc/Acc

OEIC B Yes 1.85 2.00 0.50 2.60 GB00B2487460 /GB00B2487577

MGTS Future MoneyDynamic Growth(Acc)



To provide long term capital growth through an actively manageddiversified portfolio of investments with the objective of significantlygrowing the value of the investment above the rate of inflation.

Managed 2,3,4,6,12

Acc OEIC n/a Yes 1.50 1.62 0.50 2.20 GB00B3D1MQ06

MGTS Future MoneyIncome (Inc/Acc)



To provide long term capital growth at or above the rate of inflation andan increasing income stream through an actively managed diversifiedportfolio of investments which on aggregate will be appropriate for aninvestor seeking income and growth.

Managed 2,3,4,6,12

Inc/Acc

OEIC n/a Yes 1.50 1.66 0.50 2.30 GB00B3D1MR13/GB00B3D1MS20

MGTS Future MoneyReal Growth (Acc)



To provide long term capital growth through an actively manageddiversified portfolio of investments with the objective of increasing thepurchasing power of the investment by growing ahead of the rate ofinflation.

Managed 2,3,4,6,12

Acc OEIC n/a Yes 1.50 1.62 0.50 2.20 GB00B3D1MP98

MGTS Future MoneyReal Value (Acc)



To provide long term capital growth through an actively managed,diversified portfolio of investments with the objective of retaining the realvalue of the investment despite the effects of inflation.

Managed 2,3,4,6,12

Acc OEIC n/a Yes 1.50 1.66 0.50 2.30 GB00B3D1MN74

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MGTS St JohnsRealistic Core (Inc/Acc)



To provide capital growth over the longer term from a range oftransferable securities, debt instruments and collective investmentschemes (both regulated and unregulated).*This Fund has been developed for clients of AFH Independent FinancialServices Limited. As part of the arrangement between Margetts and AFHWealth Management (the manager of the Fund), AFH IndependentFinancial Services Limited will receive a fee of 0.30% a year of the valueof any of my investments held in the Margetts St Johns Realistic CoreFund. Assuming an investment value of £10,000, this fee would represent£30 a year. This fee is included within the annual charges accounted forwithin the price of the Fund.

Managed 2,3,4,6,11,12

Inc/Acc

OEIC n/a Yes 1.40 1.63 0.50 2.20 GB00B5M92V43/GB00B5MGGT18

Neptune Balanced(Acc)

Neptune InvestmentManagement Limited -1 Lyric Square,Hammersmith,London W6 0NB


To generate a positive total return from investment predominantly inequities and bonds, with a view to attaining top quartile performanceamongst the relevant peer group.*Stock Transfer form required to reregister these funds under a CIA &ISA. Any queries contact our helpdesk on 08456 410 410.

Managed 2,4,6 Acc UT A Yes 1.60 1.56 0.50 2.20 GB0004821921

Neptune China (Acc) Neptune InvestmentManagement Limited -1 Lyric Square,Hammersmith,London W6 0NB


To generate capital growth from investment predominantly in Chinesesecurities, or in the securities issued by companies transacting asignificant proportion of their business in China.*Stock Transfer form required to reregister these funds under a CIA &ISA. Any queries contact our helpdesk on 08456 410 410.

Far East 2,3,4 Acc OEIC A Yes 1.75 1.93 0.50 2.50 GB00B04H0Y06

Neptune EmergingMarkets (Inc/Acc)



To generate capital growth with the potential for income by investingpredominantly in emerging market securities, or securities that derive asignificant proportion of their income or economic activity from emergingmarkets, with a view to attaining top quartile performance within theappropriate peer group.*Stock Transfer form required to reregister these funds under a CIA &ISA. Any queries contact our helpdesk on 08456 410 410.**This Fund is only available in accumulation units for the OnshoreCollective Investment Bond.


OEIC A Yes 1.75 2.50 0.50 3.20 GB00B2R07B64/GB00B2R07G10

Neptune EuropeanOpportunities (Inc/Acc)



To generate capital growth by investing predominantly in a concentratedportfolio of securities selected from European markets, excluding the UK,with a view to attaining top-quartile performance within the appropriatepeer group.*Stock Transfer form required to reregister these funds under a CIA &ISA. Any queries contact our helpdesk on 08456 410 410.

European 4 Inc/Acc

OEIC A Yes 1.75 1.80 0.50 2.40 GB00B058ZH01 /GB0032308594

Neptune Global Alpha(Acc)



To generate a positive total return, from investment predominantly inequities and bonds, with a view to attaining top-quartile performanceamongst the relevant peer group.*Stock Transfer form required to reregister these funds under a CIA &ISA. Any queries contact our helpdesk on 08456 410 410.

Managed 2,3,4,7

Acc OEIC A Yes 2.00 2.17 0.50 2.80 GB0031190449

Neptune GlobalEquity (Inc/Acc)



To generate capital growth from a concentrated portfolio of globalsecurities, selected from across world equity markets, with a view toattaining top-quartile performance within the appropriate peer group.*Stock Transfer form required to reregister these funds under a CIA &ISA. Any queries contact our helpdesk on 08456 410 410.


OEIC A Yes 1.75 1.84 0.50 2.50 GB00B28R3304/GB0030679053

Neptune Income (Inc/Acc)



To generate a rising level of income. Whilst income is the main objectivethere is also potential for capital growth, from an actively managedportfolio invested predominantly in UK securities and UK fixed intereststocks, with some overseas exposure. The Fund aims to achieve top-quartile performance, in terms of total return, against the appropriate peergroup.*Stock Transfer form required to reregister these funds under a CIA &ISA. Any queries contact our helpdesk on 08456 410 410.

UK Equity 2,4,6,11

Inc/Acc

OEIC A Yes 1.60 1.66 0.50 2.30 GB0032325093/GB0032315516

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Neptune India (Acc) Neptune InvestmentManagement Limited -1 Lyric Square,Hammersmith,London W6 0NB


To generate capital growth from investment predominantly in Indiansecurities, or in the securities issued by companies transacting asignificant proportion of their business in India.*Stock Transfer form required to reregister these funds under a CIA &ISA. Any queries contact our helpdesk on 08456 410 410.

Emer Mkt 2,3,4 Acc OEIC A Yes 1.75 2.36 0.50 3.00 GB00B1L6DT30

Neptune JapanOpportunities (Acc)



To generate consistent capital growth by investing predominantly in aconcentrated portfolio of Japanese securities, with a view to attaining top-quartile performance within the appropriate peer group.*Stock Transfer form required to reregister these funds under a CIA &ISA. Any queries contact our helpdesk on 08456 410 410.


Neptune LatinAmerica (Acc)



To generate capital growth from investment predominantly in LatinAmerican securities, or in the securities issued by companies transactinga significant proportion of their business in Latin America.*Stock Transfer form required to reregister these funds under a CIA &ISA. Any queries contact our helpdesk on 08456 410 410.**This Fund is not available for the Offshore Collective Investment Bondand is only available in accumulation units for the Onshore CollectiveInvestment Bond.

Emer Mkt 1,2,4 Acc OEIC A Yes 1.75 1.90 0.50 2.50 GB00B1L6F199

Neptune Russia andGreater Russia (Acc)



To generate capital growth from investment predominantly in Russianand Greater Russian securities or securities issued by companiestransacting a significant proportion of their business in Russia andGreater Russia.*Stock Transfer form required to reregister these funds under a CIA &ISA. Any queries contact our helpdesk on 08456 410 410.

Emer Mkt 2,3,4,12

Acc OEIC A Yes 1.75 1.85 0.50 2.50 GB00B04H0T52

Neptune UK Equity(Acc)



To generate capital growth from investment predominantly in UKsecurities with the aim of achieving top-quartile performance within theappropriate peer group.*Stock Transfer form required to reregister these funds under a CIA &ISA. Any queries contact our helpdesk on 08456 410 410.

UK Equity n/a Acc OEIC A Yes 1.60 1.91 0.50 2.50 GB0030607443

Neptune USOpportunities (Acc)



To generate capital growth by investing predominantly in a concentratedportfolio of Northern American securities which may include Canada aswell as the US, with a view to achieving top-quartile performance withinthe appropriate peer group.*Stock Transfer form required to reregister these funds under a CIA &ISA. Any queries contact our helpdesk on 08456 410 410.


Newton Asian Income(Inc)



To achieve income together with long-term capital growth predominantlythrough investments in securities in Asia Pacific ex-Japan (includingAustralia and New Zealand) region. The sub-fund may also invest incollective investment schemes.

Far East 2,3,4,11,12

Inc OEIC n/a Yes 1.50 1.66 0.50 2.30 GB00B0MY6Z69

Newton Balanced(Inc)



To achieve a balance between capital growth and income predominantlyfrom a portfolio of UK and international securities.

Managed 2,4,6,7,11,12

Inc OEIC n/a Yes 1.50 1.61 0.50 2.20 GB0006778574

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Newton CautiousManaged (Inc)



To achieve income and capital growth from a portfolio of equities andfixed interest securities.

Managed 2,4,5,6,11,12

Inc OEIC n/a Yes 1.25 1.42 0.50 2.00 GB0006778913

Newton ContinentalEuropean (Inc)



To achieve capital growth from a portfolio of predominantly Europeansecurities.

European 2,3,4,12

Inc OEIC n/a Yes 1.50 1.64 0.50 2.20 GB0006778681

Newton CorporateBond (Inc)



To provide a high yield through a flexible allocation between investmentgrade and sub-investment grade corporate bonds and otherpredominantly fixed interest securities.

UK Fixed 4,5,6,7,11,12

Inc OEIC n/a Yes 1.00 1.16 0.35 1.70 GB0006779101

Newton EuropeanHigher Income (Inc)



To achieve income together with long term capital growth predominantlythrough investments in European securities (excluding UK). *This Fund isnot available for the Offshore Collective Investment Bond.

European 2,3,4,11,12

Inc OEIC Sterling

Yes 1.50 1.68 0.50 2.30 GB00B1L8HT75

Newton Global Equity(Inc)



To achieve capital growth from a portfolio of international securities. Gbl Spec 2,4,12 Inc OEIC n/a Yes 1.50 1.63 0.50 2.20 GB0006779986

Newton Global HighYield Bond (Inc)



To achieve a high yield from a globally diversified portfolio which mayinclude but is not limited to fixed interest bonds and other debtinstrumnets (such as floating rate notes and index-linked notes). *ThisFund is not available for the Offshore Collective Investment Bond.

UK Fixed 2,4,5,6,7,11

,12

Inc OEIC Sterling I

Yes 1.00 1.15 0.25 1.70 GB0009633073

Newton Global HigherIncome (Inc)



To achieve increasing annual distributions together with long-term capitalgrowth from investing predominantly in global securities.*This Fund is not available for the Offshore Collective Investment Bond.

Gbl Spec 2,4,11,12

Inc OEIC n/a Yes 1.50 1.62 0.50 2.20 GB00B0MY6T00

Newton HigherIncome (Inc)



To achieve increasing distributions for a sub-fund on a calendar yearbasis with long-term capital growth.

UK Equity 3,11 Inc OEIC n/a Yes 1.50 1.61 0.50 2.20 GB0006779218

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(IN

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Newton InternationalBond (Inc)



To maximise the total return from income and capital growth in the worldbond markets through investment predominantly in Government andother public securities.

Int Fixd 2,4,5,6,7,12

Inc OEIC n/a Yes 1.00 1.13 0.35 1.70 GB0006779655

Newton Managed(Inc)



To achieve capital growth and income from a portfolio of UK, EC andinternational securities.

Managed 2,4,6,12

Inc OEIC n/a Yes 1.50 1.62 0.50 2.20 GB0006780984

Newton ManagedIncome (Inc/Acc)



Aims to achieve income together with capital growth predominantlythrough investment in a portfolio of Funds for which Newton InvestmentManagement Limited is the investment adviser.*This Fund is not availablefor the Offshore Collective Investment Bond & is only available inaccumulation units for the Onshore Collective Investment Bond.

Managed 2,3,4,5,6,11

,12

Inc/Acc

OEIC n/a Yes 1.25 1.40 0.35 2.00 GB00B3YSP833/GB00B2PY0553

Newton Oriental (Inc) BNY Mellon FundManagers Limited -The Bank of NewYork Mellon Centre,160 Queen VictoriaStreet, London EC4V4LA


To achieve capital growth by investing in securities predominantly inAsian and in Pacific markets including Australia and New Zealand butexcluding Japan.

Far East 2,3,4,12

Inc OEIC n/a Yes 1.50 1.65 0.50 2.20 GB0006781289

Newton PanEuropean (Inc)



To provide capital growth from a portfolio of predominantly Europeansecurities, including the UK and Eastern Europe with a bias towardslarger, blue chip companies.

Gbl Spec 2,3,4,12

Inc OEIC n/a Yes 1.50 1.71 0.50 2.30 GB0006782253

Newton PhoenixMulti-Asset (Inc/Acc)



To achieve long-term capital growth in excess of cash returns from abalanced portfolio diversified across a range of assets.

Managed 2,4,5,6,7,12

Inc/Acc

OEIC n/a Yes 1.50 1.64 0.50 2.20 GB00B1GJ9L14/GB00B1GJ9N38

Newton Real Return(Inc)



To achieve significant real rates of return in sterling terms predominantlyfrom a portfolio of UK and international securities.

Gbl Spec 2,3,4,5,6,7,11,12

Inc OEIC A Yes 1.50 1.61 0.50 2.20 GB0001642635

Newton UK Equity(Inc)



To achieve capital growth and income from a portfolio of predominantlyUK securities.


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Newton UKOpportunities (Inc)



To maximise long-term capital growth from a concentrated portfolioprimarily invested in the securities of UK companies.*This Fund is not available for the Offshore Collective Investment Bond.


Old Mutual AsianSelect (Acc)

Old Mutual FundManagers Limited - 2Lambeth Hill, LondonEC4V 4AD


To achieve long-term capital growth through the active management of adiversified portfolio of securities. There will be no geographic or economicrestrictions but principally, investment will be in securities traded on Asianand Australasian stock markets.

Far East 2,3,4 Acc OEIC A Yes 1.50 1.82 0.50 2.50 GB00B1XG7F56

Old Mutual CorporateBond (Inc/Acc)



To maximise total return through investment in a diversified portfolio offixed interest and other debt securities.

UK Fixed 3,4,5,6,7

Inc/Acc

OEIC A Yes 1.10 1.24 0.35 2.00 GB00B1XG6X63/GB00B1XG6V40

Old Mutual DynamicBond (Inc/Acc)



To maximise total return by investing primarily in a diversified portfolio offixed, variable and zero rated bond investments, including convertiblesecurities. There are no specific restrictions as to the economic sectors orgeographic areas that the scheme may invest in.

UK Fixed 2,3,4,5,6,7,

12

Inc/Acc

OEIC A Yes 1.25 1.45 0.35 2.10 GB00B1XG7114/GB00B1XG6Z87

Old Mutual EquityIncome (Inc/Acc)



To achieve an above-average yield with growth in income and capitalappreciation over the long term, through the active management of adiversified portfolio invested primarily in UK equities.


OEIC A Yes 1.50 1.72 0.50 2.40 GB00B1XG7668/GB00B1XG7551

Old Mutual EuropeanEquity ICVC (Acc)



To achieve long-term capital growth through the active management of adiversified portfolio invested primarily in European financial marketsexcluding the United Kingdom.

European 3,4,6,12

Acc OEIC A Yes 1.50 1.79 0.50 2.40 GB00B1XG7G63

Old Mutual GlobalEquity (Acc)



To achieve long-term capital growth through the active management of adiversified portfolio invested primarily in a broad range of global equities.

Gbl Spec 2,4 Acc OEIC A Yes 1.50 1.94 0.50 2.60 GB00B1XG7H70

Old Mutual GlobalEquity AbsoluteReturn (Acc)

Old Mutual AssetManagers (UK) Ltd - 2Lambeth Hill, London,EC4P 4WR

CitibankInternationalPlc (Irelandbranch) (D)

To achieve capital appreciation while closely controlling risk. In additionthe fund intends to deliver absolute returns that have a low correlationwith equity and bond markets. *The Annual Management Charge for thisfund includes allowance for a performance-related fee, for furtherinformation please go to the rear of this document. *Please note that thisfund is domiciled outside of the UK. This means that rules andregulations made under the Financial Services & Markets Act 2000 of theUnited Kingdom for the protection of investors do not apply to the fundand that the Financial Services Compensation Scheme established bythe Financial Services Authority may not apply in relation to anyinvestment in the Fund. Additionally, the taxation of income and gains forUK resident investors may be different to UK domiciled funds. The taxliability will depend on the fund’s Reporting status and whether income istreated as dividends or interest. Your financial adviser will be able toexplain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Gbl Spec 4,6,7,12,14

Acc OEIC A Yes 3.20 3.65 0.50 4.40 IE00B609BM71

Old Mutual GlobalStrategic Bond (Inc/Acc)



To produce an attractive level of income together with capital appreciationby investing in a diversified portfolio of fixed and variable rate bondinvestments, including convertible securities.

Int Fixd 2,4,5,6,7

Inc/Acc

OEIC A Yes 1.00 1.14 0.35 1.70 GB00B1XG7L17/GB00B1XG7J94

Old Mutual JapaneseSelect ICVC (Acc)



To achieve an above-average return through the active management of adiversified portfolio invested in the Japanese stock markets, whilstconstraining the overall level of portfolio risk.

Japan 3,4 Acc OEIC A Yes 1.50 1.82 0.50 2.50 GB00B1XG7N31

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Old Mutual NorthAmerican Equity ICVC(Acc)



To achieve long-term capital growth through the active management of adiversified portfolio invested primarily in North American stock markets.

Nth Amer 3,4 Acc OEIC A Yes 1.50 1.73 0.50 2.50 GB00B1XG7P54

Old Mutual SelectManaged ICVC (Inc/Acc)



To provide long-term capital growth through the active management of adiversified portfolio. It will primarily invest, either directly or indirectly, inbond and equity investments, generally by investing in other Old Mutualcollective investment schemes. There are no specific restrictions as to theeconomic sectors or geographic regions that the Fund can invest in.

Managed 4,5,6,7

Inc/Acc

OEIC A Yes 0.75 1.68 0.50 2.30 GB00B1XG7W22/GB00B1XG7V15

Old Mutual UK SelectEquity ICVC (Inc/Acc)



To achieve long-term capital growth through the active management of adiversified portfolio invested primarily in a broad range of UK equities.

UK Equity 3 Inc/Acc

OEIC A Yes 1.50 1.70 0.50 2.30 GB00B1XG7R78/GB00B1XG7Q61

Old Mutual UK SelectMid Cap ICVC (Inc/Acc)



To provide capital growth from investing primarily in a portfolio ofmedium-sized UK companies.


OEIC A Yes 1.50 1.67 0.50 2.40 GB00B1XG7B19/GB00B1XG7999

Old Mutual UK SelectSmaller CompaniesICVC (Inc/Acc)



To provide capital growth from investing primarily in a portfolio of UKsmaller companies.


OEIC A Yes 1.75 1.92 0.50 2.70 GB00B1XG7D33/GB00B1XG7C26

Optimum InvestmentManagementEnterprise (Inc/Acc)

Optimum InvestmentManagement Limited -201 Bishopsgate,London, EC2M 3AE


To achieve capital growth through the use of a diversified range of assetsand strategies whilst limiting volatility. The Fund will invest predominantlyin collective investment schemes.

Managed 4,5,6,9

Inc/Acc

OEIC R Yes 1.50 1.80 0.50 2.40 GB00B7N2N020/GB00B7N2N137

Optimum InvestmentManagement GlobalIncome (Inc/Acc)



To achieve an income with long term capital growth by investingpredominantly in a broad range of collective investment schemesinvesting in both UK and overseas assets.

Managed 4,5,6,9,11

Inc/Acc


Optimum InvestmentManagement HighAlpha (Inc/Acc)



To achieve long term capital growth by investing predominantly in a broadrange of collective investment schemes.

Managed 4,5,6,9,11

Inc/Acc


Optimum InvestmentManagementStrategic Income (Inc/Acc)



To achieve an income with some prospect for capital growth by investingpredominantly in collective investment schemes (which may include thoseschemes operated or advised by a Henderson group company) thatinvest across a broad range of fixed income asset classes.

Managed 4,5,6,9,11

Inc/Acc

OEIC R Yes 1.50 1.80 0.50 2.40 GB00B7N2MW72/GB00B7N2MX89

Pictet Clean Energy(Inc)

Pictet - 15 AvenueJ.F. Kennedy, L-1855Luxembourg

Pictet & Cie(Europe) SA(D)

To invest worldwide in shares of companies that contribute to and profitfrom the world's transition to less carbon-intensive energy.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Gbl Spec 1,2,3,4,11

Inc OEIC P Yes 1.60 1.91 0.50 2.50 LU0320648255

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Pictet Euroland Index(Inc)



To benefit from growth in the eurozone equity markets through a vehiclethat accurately reflects the performance of the MSCI EMU index.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

European 4,11 Inc OEIC R Yes 0.60 0.37 0.00 0.90 LU0396250754

Pictet GlobalMegatrend Selection(Inc)



To invest in stocks of companies throughout the world comprising of arange of securities that reflect the investments of Pictet's open-endedtheme investment funds, with each theme equally weighted as a rule; thethemes are normally rebalanced on a monthly basis.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Gbl Spec 2,4,11 Inc OEIC P Yes 1.60 1.96 0.50 2.60 LU0386899750

Pictet High DividendSelection (Inc)



To seek capital growth by investing principally its assets in the shares ofcompanies operating in the public infrastructure service business. Thefund favours companies operating in water, electricity,telecommunications, energy, waste management or transportation.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Gbl Spec 2,4,6 Inc SICAV

PDm

GBP

Yes 1.20 1.58 0.35 2.20 LU0503635970

Pictet Japan Index(Inc)



To benefit from growth in the Japan equity market through a vehicle thataccurately reflects the performance of the MSCI Japan Index.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Japan 4,11 Inc OEIC R Yes 0.60 0.74 0.00 1.30 LU0396248774

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Pictet Pacific (exJapan) (Inc)



To benefit from growth in the Asian equity markets through a vehicle thataccurately reflects the performance of the MSCI Pacific ex Japan index.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Far East 4,11 Inc OEIC R Yes 0.60 0.72 0.00 1.30 LU0396249400

Pictet PremiumBrands (Inc)



To achieve capital growth by investing at least two-thirds of its totalassets or wealth in equities issued by companies operating in thepremium brands sector, which offer high quality services and products.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Gbl Spec 2, 4,6, 12

Inc SICAV

PDy

GBP

Yes 1.60 1.91 0.50 2.50 LU0320647794

Pictet Timber (Inc) Pictet - 15 AvenueJ.F. Kennedy, L-1855Luxembourg


To invest worldwide in shares of companies active in the entire timbervalue chain with a focus on companies who own and/or manage forestsand timberland.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Gbl Spec 1,2,3,4,11

Inc OEIC P Yes 1.60 1.93 0.60 2.50 LU0340560480

Pictet USA Index (Inc) Pictet - 15 AvenueJ.F. Kennedy, L-1855Luxembourg


To benefit from growth in the American equity market through a vehiclethat accurately reflects the performance of the S&P 500 index.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Nth Amer 4,11 Inc OEIC R Yes 0.60 0.77 0.00 1.30 LU0396247537

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Pictet Water (Inc) Pictet - 15 AvenueJ.F. Kennedy, L-1855Luxembourg


To invest worldwide in shares of companies focused on the water relatedsector.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Gbl Spec 1,2,3,4,11

Inc OEIC P Yes 1.60 1.90 0.50 2.50 LU0366531837

PIMCO Select GlobalBond (Acc)

PIMCO Europe Ltd,Nations House, 103Wigmore Street,London W1U 1QS,England

BrownBrothersHarrimanTrusteeServices(Ireland)Limited,StyneHouse,Upper HatchStreet,Dublin 2,Ireland

To maximise total return, consistent with preservation of capital andprudent investment management. The fund will primarily invest in anactively managed, diversified portfolio of fixed income instruments.*This Fund is not available for the Offshore Collective Investment Bond.**Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Int Fixd 2,4,5,6,7,12

Acc OEIC Retail

Yes 1.39 1.39 0.35 2.00 IE00B4Q1XW75

PIMCO Select UKCorporate Bond (Acc)



To maximise total return, consistent with prudent investmentmanagement. The fund will primarily invest in an actively managed,diversified portfolio of fixed income instruments.*This Fund is not available for the Offshore Collective Investment Bond.**Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

UK Fixed 4,5,6,7,12

Acc OEIC Retail

Yes 1.36 1.36 0.35 1.90 IE00B4P4PW17

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PIMCO Select UKIncome Bond (Inc/Acc)



To seek to maximise current income, consistent with prudent investmentmanagement. Long term capital appreciation is a secondary objective.The fund invests at least two-thirds of its assets in a diversified portfolio ofGBP-denominated bonds and other Fixed Income Instruments of varyingmaturities. *Please note that this fund is domiciled outside of the UK. This means that rules and regulations made under the Financial Services& Markets Act 2000 of the United Kingdom for the protection of investorsdo not apply to the fund and that the Financial Services CompensationScheme established by the Financial Services Authority may not apply inrelation to any investment in the Fund. Additionally, the taxation ofincome and gains for UK resident investors may be different to UKdomiciled funds. The tax liability will depend on the fund’s Reportingstatus and whether income is treated as dividends or interest. Yourfinancial adviser will be able to explain how these differences impact youdepending on the characteristics of the fund and your individualcircumstances. *This Fund is not available for the Offshore CollectiveInvestment Bond & is only available in accumulation units for the OnshoreCollective Investment Bond.

UK Fixed 2,4,5,6,7,11

,12

Inc/Acc

OEIC Retail

Yes 1.36 1.36 0.35 1.90 IE00B45V5992/IE00B3QZY070

Premier ChinaEnterprise (Inc/Acc)



To achieve long-term capital growth by primarily investing in equitiesissued by companies with significant exposure to the Greater Chinaregion, which consists of China, Hong Kong and Taiwan.

Far East 2,3,4,6,7,12

Inc/Acc

OEIC R Yes 1.50 2.09 0.50 2.70 GB00B0J0MX76/GB00B0J76Z80

Premier ConservativeGrowth (Acc)



To achieve steady capital growth by investing principally in a portfolio ofsecurities which in the manager's opinion, are lower risk securities andwhich will produce capital appreciation over the longer term.

UK Fixed 7 Acc OEIC R Yes 1.25 1.44 0.35 2.00 GB0030439946

Premier CorporateBond Monthly Income(Inc)



To provide a high income payable in monthly instalments by investingpredominantly in corporate bonds, debentures, convertibles, preferenceshares and fixed and variable rate securities.

UK Fixed 4,5,6,7,11,12

Inc OEIC R Yes 1.00 1.31 0.35 1.90 GB0003893459

Premier Enterprise(Inc)



To provide long-term capital growth by investing principally in a portfolioof securities which, in the Manager's opinion, have a high potential forcapital and/or income growth and which will produce capital appreciationover the longer term.

Managed 2,4,6,7,12

Inc OEIC R Yes 1.75 2.14 0.50 2.80 GB0006745805

Premier Ethical (Inc/Acc)



To achieve capital growth over the long term by investing in companieswhich meet defined ethical criteria, predominantly in the UK, although themanager may invest internationally when appropriate.

UK Equity 4,8,11,12

Inc/Acc

OEIC R Yes 1.50 1.71 0.50 2.30 GB0004072699/GB00B4VBB957

Premier EuropeanOptimum Income (Inc/Acc)



To provide a high level of income together with the prospect of long-termcapital growth from an actively managed portfolio of equities listed on UKand European Stock Exchanges and will have the ability to enhanceincome by selling options.

European 3,4,6,7,11

Inc/Acc

OEIC R Yes 1.50 2.17 0.50 2.80 GB0006641384/GB00B3DDDW95

Premier Global AlphaGrowth (Inc)



To achieve capital growth from a focussed portfolio of global equities. Thefund will invest in an unconstrained portfolio of global equities, seekingcapital growth for investors. The manager will buy a concentratedportfolio of high conviction stocks regardless of geographic domicile.Cash balances and exchange traded derivatives may be used accordingto market conditions.

Gbl Spec 3,4,6,7,9

Inc OEIC R Yes 1.50 2.05 0.50 2.70 GB00B2QXTK93

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Premier Global Powerand Water (Inc)



To benefit from long term capital growth. The Fund will invest in (eitherdirectly or indirectly) and/or be exposed to corporates and otherorganisations whose activities address the issues of declining energy andwater resources, and those that operate to enhance and improve the useof such resources.

Gbl Spec 2,3,4,6,7,11

Inc OEIC R Yes 1.50 1.70 0.50 2.30 GB0031639882

Premier GlobalStrategic Growth (Inc)



To achieve long term capital growth. The fund will be actively managed toinvest in a portfolio of global equities seeking long term capital growth,but has the latitude to use other instruments when equities are perceivedto offer poor absolute value.

Gbl Spec 4,6,7 Inc OEIC R Yes 1.50 1.71 0.50 2.30 GB0031638470

Premier Income (Inc) Premier PortfolioManagers Limited -Eastgate Court, HighStreet, Guildford GU13DE


To achieve a reasonable and rising income combined with long-termcapital growth by investing primarily in UK listed companies, but it mayalso invest in similar companies overseas or in companies quoted on theAlternative Investment Market.

UK Equity 4,11,12

Inc OEIC R Yes 1.50 1.58 0.50 2.20 GB0003884508

Premier LiberationAbsolute Growth (Inc/Acc)



To achieve steady capital growth by investing principally in a portfolio ofsecurities which, in the Investment Adviser's opinion, are lower risksecurities and which will produce capital appreciation over the longerterm.

Managed 7, Inc/Acc

OEIC R Yes 1.55 1.92 0.35 2.50 GB00B1PB0486/GB00B1PB0593

Premier Liberation NoIV (Inc/Acc)



To provide income together with some capital appreciation from aportfolio of global investments by investing in units in collectiveinvestment schemes. The fund may also invest in equities, fixed interestsecurities, money market instruments and warrants.

Managed 4,6,7,11

Inc/Acc

OEIC R Yes 1.65 2.38 0.50 3.00 GB00B1PB0262/GB00B1PB0379

Premier Liberation NoV (Inc/Acc)



To provide a total return from a portfolio of global investments byinvesting mainly in units in collective investment schemes. The fund mayalso invest in equities, fixed interest securities, money market instrumentsand warrants.

Managed 4,5,6,7

Inc/Acc

OEIC R Yes 1.65 2.38 0.50 3.00 GB00B0MT7L49/GB00B0MT7M55

Premier Liberation NoVI (Inc/Acc)



To provide capital growth in excess of the return available from cashdeposits over the medium to long term from a portfolio of globalinvestments by investing mainly in units in collective investment schemes.The fund may also invest in equities, fixed interest securities, moneymarket instruments and warrants.


OEIC R Yes 1.65 2.75 0.50 3.40 GB00B0MT7Q93/GB00B0MT7R01

Premier Liberation NoVII (Inc/Acc)



To provide capital growth from a portfolio of global investments, beingmainly global equities by investing mainly in units in collective investmentschemes. The fund may also invest in equities, fixed interest securities,money market instruments and warrants.

Managed 2,4,6,7

Inc/Acc

OEIC R Yes 1.65 2.62 0.50 3.30 GB00B0MT7W53/GB00B0MT7X60

Premier Liberation NoVIII (Inc/Acc)



To provide capital growth from a portfolio of global investments byinvesting mainly in units in collective investment schemes. The fund mayalso invest in equities, fixed interest securities, money market instrumentsand warrants.

Gbl Spec 2,4,6,7

Inc/Acc

OEIC R Yes 1.65 2.92 0.50 3.60 GB00B0MT8004/GB00B0MT8111

Premier MonthlyIncome (Inc)



To provide a reasonable level of income payable in monthly instalmentswith the prospect of rising income and capital growth by investingprimarily in UK listed companies, but it may also invest in companiesoverseas, in companies quoted on the Alternative Investment Market andin higher yielding equities, convertibles, preference shares and fixedinterest stocks.

UK Equity 4,6,11,12

Inc OEIC R Yes 1.50 1.66 0.50 2.30 GB0003884946

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Premier Multi-AssetDistribution (Inc/Acc)



To provide income together with long-term capital growth by mainlyinvesting in collective investment schemes and may also invest inequities, fixed interest securities, money market instruments, depositsand warrants.

Managed 4,5,6,7,11

Inc/Acc

OEIC R Yes 1.50 2.25 0.50 2.90 GB0031107575/GB0031107799

Premier Multi-AssetGrowth (Inc/Acc)



To provide long-term capital growth by investing in a portfolio of collectiveinvestment schemes and may also invest in equities, fixed interestsecurities, money market instruments, deposits and warrants.

Managed 2,4,5,6,7

Inc/Acc

OEIC R Yes 1.50 2.40 0.50 3.00 GB0031107914/GB0031108219

Premier PanEuropean PropertyShare (Inc)



To provide total return from a portfolio which will mainly consist ofEuropean investments by investing in a portfolio of securities which aretypically shares in property companies and collective investmentschemes whose investments consist of shares in property companies.

4,7,11 Inc OEIC n/a Yes 1.50 1.80 0.50 2.40 GB0030599798

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Premier SentinelDefensive (Inc/Acc)



To provide medium-term capital growth from a portfolio of investments byinvesting principally in a combination of zero dividend preference sharesof quoted investment companies and securities which, in the InvestmentAdviser’s opinion, are lower risk securities. This Fund has beendeveloped for clients of Adviser Business Solutions Limited and theirappointed representatives. As part of the arrangement between AdviserBusiness Solutions Limited and Premier Portfolio Managers Limited,Adviser Business Solutions Limited will receive a fee of up to 0.20% perannum of the Net Asset Value of the Fund. Assuming an investmentvalue of £10,000, this fee would represent £20 per annum. This fee isincluded within the Annual Management Charge of the Fund.

Managed 6,7 Inc/Acc

OEIC R Yes 1.50 1.80 0.50 2.40 GB00B2Q46901/GB00B2Q46B27

Premier SentinelEnterprise (Inc/Acc)



To provide long-term capital growth from a portfolio of investments byinvesting mainly in units of equity and fixed interest based collectiveinvestment schemes, the majority of which will be UK investment funds.This Fund has been developed for clients of Adviser Business SolutionsLimited and their appointed representatives. As part of the arrangementbetween Adviser Business Solutions Limited and Premier PortfolioManagers Limited, Adviser Business Solutions Limited will receive a feeof up to 0.20% per annum of the Net Asset Value of the Fund. Assumingan investment value of £10,000, this fee would represent £20 per annum.This fee is included within the Annual Management Charge of the Fund.

Managed 2,4,6,7,12

Inc/Acc

OEIC R Yes 1.50 2.79 0.50 3.50 GB00B2Q46K18/GB00B2Q46L25

Premier SentinelUniversal (Inc/Acc)



To provide capital growth from a portfolio of investments by investingmainly in units of collective investment schemes. This fund may alsoinvest in equities, fixed interest securities, money market instruments,structured products and other derivative instruments, deposits, warrants,cash and near cash. This fund has been developed for clients of AdviserBusiness Solutions Limited and their appointed representatives. As partof the arrangement between Adviser Business Solutions Limited andPremier Portfolio Managers Limited, Adviser Business Solutions Limitedwill receive a fee of up to 0.20% per annum of the Net Asset Value of theFund. Assuming an investment value of £10,000, this fee would represent£20 per annum. This fee is included within the Annual ManagementCharge of the Fund.

Managed 2,4,6,7,12

Inc/Acc

OEIC R Yes 1.50 2.48 0.50 3.10 GB00B2Q46F64/GB00B2Q46G71

Premier StrategicHigh Income Bond(Inc)



To maximise income with capital appreciation being of secondaryimportance by investing in a diversified portfolio of fixed interestsecurities, including government and corporate bonds, preference andpermanent interest bearing shares, convertibles, reverse convertibles,debentures, collective investment schemes and other securities.

UK Fixed 5,6,7,11

Inc OEIC R Yes 1.50 1.85 0.35 2.50 GB0005673453

Premier UK AlphaGrowth (Inc)



To achieve long-term capital growth by investing mainly in a portfolio ofUK and other securities, which may include fixed interest and overseassecurities.

UK Equity 4,6,11 Inc OEIC R Yes 1.50 1.71 0.50 2.30 GB0004085071

Premier UK AlphaIncome (Inc)



To provide an income return above the average of the UK market withlong-term growth in both income and capital by investing primarily in UKcompanies in all or any economic sectors, but it may also invest incompanies overseas.

UK Equity 4,6,7,11,12

Inc OEIC R Yes 1.50 1.71 0.50 2.30 GB0031639338

Premier UK Mid 250(Inc)



To achieve long-term capital growth by investing mainly in a portfolio ofmedium sized companies selected from the range of companies listed onthe FTSE 250 Index.

UK Equity 4,11 Inc OEIC R Yes 1.50 1.72 0.50 2.30 GB0004068028

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Premier UK MoneyMarket (Inc/Acc)


The NationalWestminsterBank plc (T)

To generate income through the active management of a diversifiedportfolio of UK deposits and short-dated money market and otherinvestments.* This Fund is not available through the Individual Savings Account (ISA).

Cash/MM 4,6,7 Inc/Acc

UT n/a CIAOnly

0.50 0.60 0.00 1.10 GB0007061269/GB0007061152

Premier UK StrategicGrowth (Inc)



To achieve long term capital growth by investing in equities, primarily inthe UK. The fund shall be actively managed and the investmentstrategies pursued will identify opportunities for growth subject toprevailing market conditions.

UK Equity 3,6 Inc OEIC R Yes 1.50 1.77 0.50 2.40 GB0031639007

PrudentialAdventurous Portfolio(Inc/Acc)

Prudential Unit TrustsLimited - FairbairnBusiness Centre,Laurence PountneyHill, London EC4R0HH


To achieve long term total return (the combination of income and growthof capital) by investing mainly in collective investment schemes. Between60% and 100% of the fund will be invested in schemes whosepredominant exposure is to equities.*Stock Transfer form required to reregister these funds under a CIA. Anyqueries contact our helpdesk on 08456 410 410.**This Fund is not available for the Offshore Collective Investment Bond& is only available in accumulation units for the Onshore CollectiveInvestment Bond.

Managed 4,5,6,10

Inc/Acc

OEIC A CIAOnly

1.40 2.60 0.50 3.30 GB00B55HVM99/GB00B5107K29

Prudential BalancedPortfolio (Inc/Acc)



To achieve long term total return (the combination of income and growthof capital) by investing mainly in collective investment schemes. Between40% and 80% of the fund will be invested in schemes whose predominantexposure is to equities.*Stock Transfer form required to reregister these funds under a CIA. Anyqueries contact our helpdesk on 08456 410 410.**This Fund is not available for the Offshore Collective Investment Bond& is only available in accumulation units for the Onshore CollectiveInvestment Bond.

Managed 4,5,6,10

Inc/Acc

OEIC A CIAOnly

1.40 2.53 0.50 3.20 GB00B5272G32/GB00B549YV68

Prudential CautiousGrowth Portfolio (Inc/Acc)




Managed 4,5,6,10

Inc/Acc

OEIC A CIAOnly

1.40 2.46 0.50 3.10 GB00B5595D43/GB00B55GVW64

Prudential CautiousPortfolio (Inc/Acc)




Managed 4,5,6,10

Inc/Acc

OEIC A CIAOnly

1.40 2.31 0.50 3.00 GB00B545FC27/GB00B51NJN82

Prudential DefensivePortfolio (Inc/Acc)



To achieve long term total return (the combination of income and growthof capital) by investing mainly in collective investment schemes. No morethan 30% of the fund will be invested in schemes whose predominantexposure is to equities.*Stock Transfer form required to reregister these funds under a CIA. Anyqueries contact our helpdesk on 08456 410 410.**This Fund is not available for the Offshore Collective Investment Bond& is only available in accumulation units for the Onshore CollectiveInvestment Bond.

Managed 4,5,6,10

Inc/Acc

OEIC A CIAOnly

1.40 2.28 0.50 2.90 GB00B51M5M63/GB00B5460Q40

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Psigma Income (Inc/Acc)

PSigma Unit TrustManagers Limited - 11The StrandLondonWC2N 5HR

HSBC BankPlc (T)

To achieve a reasonable and rising income together with a long-termcapital growth. The Fund intends to invest primarily in UK companies butmay invest internationally.


UT n/a Yes 1.50 1.70 0.50 2.40 GB00B1RQN640/GB00B1RQR625

Rathbone Blue ChipIncome & Growth (Inc/Acc)

Rathbone Unit TrustManagement Limited -159 New Bond Street,London W1Y 9PA


To achieve an above-average and steadily increasing income returncoupled with capital growth from a portfolio of transferable securities. TheManager's present intention is that not less than 75% will be invested intransferable securities issued by UK companies. There will be nospecialisation in any other geographic area or in any industrial oreconomic sector.


UT n/a Yes 1.50 1.61 0.50 2.30 GB0005066948/GB00B06ZVF05

Rathbone EthicalBond (Inc/Acc)



To provide a regular, above-average income through investing in a rangeof bonds and bond market instruments that meet a strict criteria ethicallyand financially.


UT n/a Yes 1.25 1.36 0.35 2.00 GB0030957020/GB0030957137

Rathbone GlobalOpportunities (Acc)



To provide above-average long-term capital growth from a globalportfolio. The Fund will be able to invest in any transferable security in allrecognised world financial markets. The income yield will be at bestminimal.

Gbl Spec 2,4,6 Acc UT n/a Yes 1.50 1.56 0.50 2.20 GB0030349095

Rathbone Income(Inc/Acc)



To achieve above-average and maintainable income but withoutneglecting capital security and growth. The Manager intends to achievethe objective primarily through the purchase of ordinary shares with anabove-average yield. There is no restriction on the economic sectors orgeographic areas in which the Fund may invest. However, investmentswill always be predominantly in the ordinary shares of UK companies.


UT n/a Yes 1.50 1.56 0.50 2.30 GB0001229045/GB00B06ZVC73

Rathbone Multi AssetStrategic Growth(Acc)



To achieve long term capital growth and target a return equal to 5%above the UK Consumer Price Index (CPI) and a volatility rate equal totwo-thirds that of global equities as measured by the MSCI World EquityIndex.

Managed 2,4,5,6,7,10

Acc OEIC n/a Yes 1.50 2.34 0.50 3.00 GB00B543P606

Rathbone Multi AssetTotal Return Portfolio(Inc/Acc)



To achieve an increasing income and capital return. The Fund targets areturn equal to 2% above sterling six month London Interbank OfferedRate (LIBOR) over the long term, and a volatility rate equal to one-third orbelow that of equity markets as measured by the MSCI World EquityIndex.*This Fund is not available for the Offshore Collective Investment Bond.

Managed 4,5,6,7,10

Inc/Acc

OEIC n/a Yes 1.50 2.32 0.50 3.00 GB00B543NZ55/GB00B543TC49

Rathbone Recovery(Inc/Acc)



To achieve capital growth by buying shares in companies whose recoverypotential is not appreciated by the market and to sell them when thispotential is recognised.


UT n/a Yes 1.50 1.66 0.50 2.40 GB0005062293/GB0030430804

RBS (S+W) VolatilityControlled BalancedManaged (Acc)

Smith & WilliamsonFund AdministrationLimited - 25Moorgate, London,EC2R 6AY.


To provide medium to long-term capital growth while maintaining thevolatility of the daily returns of the fund between 10% and 15%. The fundwill gain exposure to a rule-based asset allocation strategy which followsa balanced investment style providing exposure to a range of indices andto a Cash Equivalent Asset. These indices will be linked to equities,bonds, commodities and property-linked equities, diversified acrossgeographic markets (UK, USA, Euro-Zone, Asia, Emerging Markets).*This Fund is not available for the Offshore Collective Investment Bond.

Managed 2,4,5,6,7,11

,12

Acc ICVC A CIAOnly

1.00 1.25 0.25 1.80 GB00B63KG440

RBS (S+W) VolatilityControlled CautiousManaged (Acc)



To provide medium to long-term capital growth while maintaining thevolatility of the daily returns of the fund below 10%. The fund will gainexposure to a rule-based asset allocation strategy which follows acautious investment style providing exposure to a range of indices and toa Cash Equivalent Asset. These indices will be linked to equities, bonds,commodities and property-linked equities, diversified across geographicmarkets (UK, USA, Eurozone, Asia, Emerging Markets). *This Fund is notavailable for the Offshore Collective Investment Bond.

Managed 2,4,5,6,7,11

,12

Acc ICVC A CIAOnly

1.00 1.25 0.25 1.80 GB00B64QDR37

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ISIN

(IN

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CC

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Richmond Core (Inc) Richmond InvestmentFundsAuthorised CorporateDirector: Capita FundManagers Limited - 17Rochester Row,Westminster, LondonSW1P 1QT


To provide a combination of capital growth and income throughinvestment in a diversified portfolio of equities, bonds, collectiveinvestment schemes and cash.

Managed 2,3,4,6,8,10

,12

Inc OEIC n/a CIAOnly

1.85 2.06 0.50 2.70 GB0033321208

River and MercantileGlobal High Income(Inc)

River and MercantileAsset ManagementLLP - 30 ColemanStreet, London EC2R5AL


To achieve a high and rising level of income with capital growth over thelong term, through investing in a portfolio which shall primarily consist ofglobal equities, providing an above average yield, however, it may alsoinvest in other instruments such as government bonds, corporate fixedincome securities and convertibles. *This Fund is not available for theOffshore Collective Investment Bond.

Gbl Spec 2, 4,5,6,11

Inc OEIC A CIAonly

1.50 1.78 0.50 1.78 GB00B57J4Q89

River and MercantileUK Equity High Alpha(Inc)



To achieve capital growth by investing in a focused portfolio ofinvestments which shall primarily consist of UK equities which offer theprospect of superior long-term growth.

UK Equity 6 Inc OEIC A CIAOnly

1.50 1.64 0.50 2.20 GB00B1DSZM47

River and MercantileUK Equity Income(Inc)



To generate a rising level of income combined with the potential forcapital growth, investing in a portfolio which shall primarily consist of UKequities, however, it may also invest in other instruments such asgovernment gilts, corporate fixed income securities and convertibles.*ThisFund is not available for the Offshore Collective Investment Bond.

UK Equity 6,11 Inc OEIC A CIAonly

1.50 1.67 0.50 2.30 GB00B3KQG330

River and MercantileUK Equity SmallerCompanies (Inc)



To achieve capital growth by investing in a portfolio of investments whichshall primarily consist of UK equities which reside in the bottom 10% ofthe UK stock market in terms of market capitalisation.

UK Equity 6 Inc OEIC A CIAOnly

1.50 1.65 0.50 2.20 GB00B1DSZR91

River and MercantileUK EquityUnconstrained (Inc)



To achieve capital growth through investing in a concentrated portfoliowhich will primarily consist of UK equities and will not be restricted byreference to a benchmark, sector constraints or company size.

UK Equity 3,4,6 Inc OEIC A CIAOnly

1.75 1.97 0.50 2.60 GB00B1NG8296

Royal LondonCorporate Bond

Royal London UnitTrust Managers - 55Gracechurch Street,London, EC3V 0UF

HSBC BankPlc (D)

To maximise investment return (predominantly income with some capitalgrowth) over the medium to long term from a portfolio comprising mainlyof corporate fixed interest securities.

UK Fixed 5,6,11 Inc OEIC A CIAonly

0.90 0.94 0.25 1.50 GB00B3P2K895

Royal London SterlingExtra Yield Bond (Inc)

Royal London AssetManagement Ltd - 55Gracechurch Street,London, EC3V 0UF

TheGovernorandCompany ofthe Bank ofIreland (D)

To achieve a high level of income from its underlying investments and toachieve a gross redemption yield (GRY) of 1.25 times the grossredemption yield of the FTSE Actuaries British Government 15 yearindex. Please note that this fund is domiciled outside of the UK. Thismeans that rules and regulations made under the Financial Services &Markets Act 2000 of the United Kingdom for the protection of investors donot apply to the fund and that the Financial Services CompensationScheme established by the Financial Services Authority may not apply inrelation to any investment in the Fund. Additionally, the taxation ofincome and gains for UK resident investors may be different to UKdomiciled funds. The tax liability will depend on the fund’s Reportingstatus and whether income is treated as dividends or interest. Yourfinancial adviser will be able to explain how these differences impact youdepending on the characteristics of the fund and your individualcircumstances. *This Fund is not available for the Offshore CollectiveInvestment Bond.

UK Fixed 4,5,6,11,12

Inc OEIC B CIAonly

1.25 1.39 0.35 2.00 IE0032571592

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ISIN

(IN

C/A

CC

)

Royal London UKEquity Income (Inc)


HSBC BankPlc (D)

To achieve a combination of income and some capital growth byinvesting mainly in the UK higher yielding and other equities, as well asconvertible stocks.


1.25 1.32 0.50 1.90 GB00B67N8655

Royal London UKGovernment Bond(Inc)


HSBC BankPlc (D)

To maximise total investment return (income and capital growth) over themedium to long term by investing mainly in UK government bonds.Sterling corporate bonds may also be held. *This Fund is not available forthe Offshore Collective Investment Bond.

UK Fixed 6,11 Inc OEIC A CIAonly

0.75 0.78 0.00 1.30 GB00B3Q6WZ18

S+W Munro UK (Inc/Acc)



To maximise the overall return through investment in securities listed onthe UK stock market. The fund will seek to outperform the FTSE 350 overthe long term by holding all securities, excluding Investment Trusts, inthat index that are forecast to pay a dividend.* This Fund is not available through the Individual Savings Account (ISA).

*This Fund is not available for the Offshore Collective Investment Bond &is only available in accumulation units for the Onshore CollectiveInvestment Bond.


OEIC A CIAOnly

1.50 2.58 0.50 3.20 GB00B1Z8LY64/GB00B1Z8MD27

Sarasin AgriSar (Inc/Acc)

Sarasin InvestmentFunds Limited -Juxton House, 100 StPaul’s Churchyard,London EC4M 8BU


To seek to achieve capital appreciation. In order to achieve its investmentobjective, the fund will invest in a global and diversified portfolio ofinvestments which provide exposure to the agricultural sector. *TheAnnual Management Charge for this fund does not include an allowancefor a performance-related fee, for further information please go to the rearof this document.

Gbl Spec 2,3,4,6,7,11

Inc/Acc

OEIC A Yes 1.50 1.82 0.50 2.40 GB00B2Q8L536/GB00B2Q8L643

Sarasin EquiSarGlobal Thematic (Inc/Acc)



To achieve capital growth through investment in an internationallydiversified portfolio of equities. In recognition of the limitations ofgeographically determined asset allocation in today's global economy, theFund's assets are allocated by global themes which track long-termworldwide growth trends that are largely independent of any one region ormarket. The current five themes are: Cash Flow Opportunities, CorporateRestructuring, Global Pricing Power, Efficiency and Automation andIntellectual Property and Innovation.

Gbl Spec n/a Inc/Acc

OEIC A Yes 1.50 1.73 0.50 2.30 GB0009340919/GB0009341214

Sarasin EquiSar IIID(Inc/Acc)



To seek to achieve a real return to shareholders over the long term. It isintended that the fund will invest either directly or indirectly in a broadportfolio of global securities that satisfy one or more investment themesthat the Authorised Corporate Director expects to be key drivers ofcorporate profitability and investment performance. *The AnnualManagement Charge for this fund includes allowance for a performance-related fee, for further information please go to the rear of this document.

Managed 2,4,6,7,11,12

Inc/Acc

OEIC A Yes 1.64 1.90 0.50 2.50 GB00B13GWB69/GB00B13GW945

Sarasin GlobalSarCautious (Inc/Acc)



To provide a real return to shareholders over the medium term. It isintended that the Fund will invest in a broad, diversified and globalportfolio of investments. The Fund will also seek to avoid market setbacksby using a variety of protective measures.

Managed 2,4,6,7,11,12

Inc/Acc

OEIC A Yes 1.75 2.00 0.50 2.60 GB0009341768/GB0009341875

Sarasin InternationalEquity Income (Inc/Acc)



To seek to achieve a consistently attractive level of income and inaddition long-term capital appreciation. It is intended that the Fund willinvest in a portfolio of international securities that satisfy one or moreinvestment themes that are expected to be key drivers of corporateprofitability, investment performance and yield.

Gbl Spec 2,4,7,11,12

Inc/Acc

OEIC A Yes 1.50 1.74 0.50 2.30 GB00B13GWJ46/GB00B13GWH22

Schroder AbsoluteReturn Bond (Inc/Acc)

Schroder Unit TrustsLimited - 31 GreshamStreet, London EC2V7QA


To achieve a positive return over rolling 12 month periods, in all marketconditions. The fund will invest primarily in a portfolio of bonds and otherfixed and floating rate securities denominated in various currenciesissued by governments, government agencies, supra-national andcorporate issuers worldwide.

UK Fixed 2,4,5,6,7,11

Inc/Acc

UT n/a Yes 1.00 1.17 0.35 1.80 GB0007905721/GB0007905945

Fu

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ISIN

(IN

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Schroder Asian AlphaPlus (Inc/Acc)



To maximise capital growth through investment in securities with theemphasis on companies in the Asia (ex Japan) region. Fixed interestsecurities and real estate investment trusts (REITs) may be included inthe portfolio. Investments will be primarily in directly held transferablesecurities. The fund may also invest in collective investment schemes,cash, deposits, derivatives, warrants and money market instruments.

Far East 2,4,6,7,10,12

Inc/Acc

UT A Yes 1.50 1.71 0.50 2.30 GB00B284G325/GB00B284G093

Schroder AsianIncome (Inc/Acc)



To provide a growing income and capital growth for investors over thelong term primarily through investment in equity and equity-relatedsecurities of Asian companies which offer attractive yields and growingdividend payments. The emphasis of the Fund will be investment in theAsia Pacific excluding Japan (including Australia and New Zealand)region.

Gbl Spec 2,4,6,11

Inc/Acc

UT n/a Yes 1.50 1.69 0.50 2.40 GB0007809592/GB0007809600

Schroder AsianIncome Maximiser(Inc/Acc)



To provide income with potential for capital growth primarily throughinvestment in equity and equity related securities of Asian (ex Japan)companies.*This Fund is not available for the Offshore Collective Investment Bond &is only available in accumulation units for the Onshore CollectiveInvestment Bond.

Far East 2,4,6,7,11

Inc/Acc

UT A Yes 1.50 1.70 0.50 2.30 GB00B3SB3287/GB00B3SF6658

Schroder CorporateBond (Inc/Acc)



To achieve a high level of income from a diversified portfolio of fixedinterest securities. The emphasis of the Fund will be sterlingdenominated, or hedged to sterling, corporate bonds.


UT n/a Yes 1.00 1.12 0.35 1.80 GB0004433602/GB0004433594

Schroder DynamicMulti Asset (Inc/Acc)



To deliver positive returns over a market cycle based on long-term capitalgrowth and income primarily through investment in collective investmentschemes as well as directly held transferable securities, derivatives, cash,deposits, warrants and money market instruments.


UT A Yes 1.20 1.50 0.35 2.10 GB00B2Q1N677/GB00B2Q1N453

Schroder European(Inc/Acc)



To achieve capital growth through investment in European stock markets,excluding the UK.


UT A Yes 1.50 1.68 0.50 2.30 GB00B3MVXZ79 /GB00B68H8S84

Schroder EuropeanAlpha Plus (Inc/Acc)



To provide capital growth through investment in European and othercompanies. The emphasis of the scheme is to invest in Europeancompanies. The scheme may also invest in companies headquartered orquoted outside Europe where those companies have material or criticaloperations within, or derive significant business from, Europe. Fixedinterest securities may be included in the portfolio.


UT n/a Yes 1.50 1.68 0.50 2.30 GB0033302760/GB0033302877

Schroder EuropeanSmaller Companies(Inc/Acc)



To achieve capital appreciation through investment in smaller Europeancompanies. Investments will be made principally in smaller companies inEurope, excluding the UK.


UT n/a Yes 1.50 1.68 0.50 2.30 GB0007647604/GB0007648891

Schroder Gilt & FixedInterest (Inc/Acc)



To achieve a high level of income with the potential for capital growth,from investment in a diversified portfolio of sterling denominated fixedinterest securities.


UT n/a CIAonly

0.50 0.56 0.00 1.10 GB0007647372/GB0007647489

Schroder GlobalAlpha Plus (Inc/Acc)



To provide capital growth through investment in equities and securities ofcompanies worldwide.

Gbl Spec 2,3,4,6,7,12

Inc/Acc

UT A Yes 1.50 1.69 0.50 2.30 GB00B5BPGY47/GB00B3KNN994

Fu

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ISIN

(IN

C/A

CC

)

Schroder GlobalClimate Change (Inc/Acc)



To provide capital growth primarily through investment in equities andsecurities of worldwide issuers which will benefit from efforts toaccommodate or limit the impact of global climate change.

Gbl Spec 2,4,6,7,12

Inc/Acc

UT A Yes 1.50 1.73 0.50 2.30 GB00B23DJV30/GB00B23DH314

Schroder GlobalEmerging Markets(Inc/Acc)



To achieve long-term capital growth by investing in emerging markets ofthe world. The fund will invest in equity or equity related securities(including warrants and convertible securities) and fixed interestsecurities which provide exposure to emerging markets.

Emer Mkt 2,4,6,12

Inc/Acc

UT n/a Yes 1.50 1.74 0.50 2.40 GB0007906356/GB0007906463

Schroder GlobalEquity Income (Inc/Acc)



To provide income and capital growth for investors over the long termprimarily through investment in equity and equity-related securities ofcompanies worldwide which offer attractive yields and sustainabledividend payments.

Gbl Spec 2,3,4,6,11

Inc/Acc

UT A Yes 1.50 1.69 0.50 2.30 GB00B1N91C99/GB00B1N91F21

Schroder GlobalProperty IncomeMaximiser (Inc/Acc)



To provide income with potential for capital growth primarily throughinvestment in real estate investment trusts, equity and equity relatedsecurities and debt securities of property companies. *This Fund is notavailable for the Offshore Collective Investment Bond & is only availablein accumulation units for the Onshore Collective Investment Bond.

Property 2,3,4,6,7,11

,12

Inc/Acc

UT A Yes 1.50 1.73 0.50 2.30 GB00B4XCGK27 /GB00B52V9F34

Schroder GlobalProperty Securities(Inc/Acc)



To provide a total return primarily through investment in real estateinvestment trusts, equity and debt securities of other types of propertycompanies worldwide.

Gbl Spec 3,4,6,7,12

Inc/Acc

UT A Yes 1.50 1.67 0.50 2.30 GB00B0LGTF49/GB00B0LGSD59

Schroder Income (Inc/Acc)



To provide a growing income, predominantly from investment in UKequities. In seeking a yield higher than that offered by the major UKequity indices, the fund will invest primarily in above-average yieldingequities rather than fixed interest securities.

UK Equity 3,4,6,11

Inc/Acc

UT n/a Yes 1.50 1.66 0.50 2.30 GB0007648909/GB0007649196

Schroder IncomeMaximiser (Inc/Acc)



To provide income with potential for capital growth primarily throughinvestment in equity and equity related securities of UK companies. Thefund will also use derivative instruments to generate additional income.

UK Equity 3,6,7,11

Inc/Acc

UT n/a Yes 1.50 1.66 0.50 2.30 GB00B0HWJ904/GB00B0HWHK75

Schroder Japan AlphaPlus (Inc/Acc)



To achieve total return through investment in Japanese and othercompanies. The emphasis of the fund will be investment in Japanesecompanies. The fund may also invest in companies headquartered orquoted outside Japan where those companies have material or criticaloperations within, or derive significant business from, Japan.

Japan 3,4,6 Inc/Acc

UT n/a Yes 1.50 1.68 0.50 2.30 GB0003031290/GB0009779447

Schroder ManagedMonthly High Income(Inc/Acc)



Aims to provide monthly income through a diversified investment incollective investment schemes invested in equity, equity-relatedsecurities, real estate securities and debt or fixed interest securities ofcompanies worldwide. *This Fund is not available for the OffshoreCollective Investment Bond or the Onshore Collective Investment Bond.

Managed 2,5,6,7,9,11

,12

Inc/Acc

UT A Yes 1.25 1.50 0.35 2.10 GB00B6X3LG08/GB00B4XXZ535

Schroder ManagedWealth Portfolio (Inc/Acc)



To provide a total return primarily through investment in collectiveinvestment schemes as well as directly held transferable securities,derivatives, cash, deposits, warrants and money market instruments.

Managed 3,4,6,7

Inc/Acc

UT n/a Yes 1.50 1.74 0.50 2.40 GB0007897290/GB0007897308

Fu

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Red

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ISIN

(IN

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Schroder MedicalDiscovery (Inc/Acc)



To achieve capital growth by investing in healthcare, medical servicesand related products and companies on a worldwide basis.


UT n/a Yes 1.50 1.68 0.50 2.30 GB0003880290/GB0003880183

Schroder MonthlyHigh Income (Inc/Acc)



To achieve a high level of income from a diversified portfolio of debtsecurities. The full spectrum of available securities, including unratedissues and those of non-investment grade, will be utilised.

UK Fixed 4,5,6,11

Inc/Acc

UT n/a Yes 1.25 1.37 0.35 2.00 GB0009505586/GB0009505693

Schroder MultiManager CautiousManaged Fund (Inc/Acc)



To provide a combination of income and capital mainly throughinvestment in collective investment schemes as well as directly heldtransferable securities, cash, deposits and money market instruments.

Managed 1,4,6,7,11

Inc/Acc

UT A Yes 1.25 1.89 0.50 2.50 GB00B2QTB672/GB00B2QTB565

Schroder MultiManager High AlphaPortfolio (Inc/Acc)



To provide capital growth through investment in collective investmentschemes as well as directly held transferable securities, derivatives, cash,deposits, warrants and money market instruments. In order to achieve theobjective the manager will invest in a focused portfolio of investments.

Managed 1,4,6,7

Inc/Acc

UT A Yes 1.50 2.20 0.50 2.80 GB00B2QTB011/GB00B2QT9Y15

Schroder MultiManager StrategicBalanced (Inc/Acc)



To provide a total return primarily through investment in collectiveinvestment schemes as well as directly held transferable securities,derivatives, cash, deposits, warrants and money market instruments.

Managed 1,4,6,7

Inc/Acc

UT A Yes 1.50 2.20 0.50 2.80 GB00B2QTB458/GB00B2QTB342

Schroder Recovery(Inc/Acc)



To achieve capital growth for investors through investment in companiesthat have suffered a setback. The scheme invests primarily in UK quotedshares. The investments are selected from those companies that havesuffered a setback in terms of profits or share prices, but where themanagement and the prospects are believed to be good.


UT n/a Yes 1.50 1.52 0.50 2.30 GB0007809824/GB0007893760

Schroder Small CapDiscovery (Inc/Acc)



To achieve capital growth. The Fund will invest in smaller companies inthe Asia (ex Japan) region and in selected emerging markets. It will alsoinvest in smaller companies that may be listed and/or domiciled outsideAsia/emerging markets, but which derive a significant portion of theirbusiness or growth from these regions.*This Fund is not available for the Offshore Collective Investment Bond &is only available in accumulation units for the Onshore CollectiveInvestment Bond.

Gbl Spec 2,6,7,9,12

Inc/Acc

UT A Yes 1.50 1.75 0.50 2.40 GB00B5NX4423/GB00B4ZV6P20

Schroder StrategicBond (Inc/Acc)



To achieve a total return. The fund will invest in a portfolio of debtsecurities and other fixed and floating rate securities denominated invarious currencies issued by governments, government agencies, supra-national and corporate issuers worldwide. TheFund may also invest inasset backed securities and mortgage backed securities.*This Fund is not available for the Offshore Collective Investment Bond &is only available in accumulation units for the Onshore CollectiveInvestment Bond.

UK Fixed 2,4,5,6,7,9,

11

Inc/Acc

UT A Yes 1.25 1.50 0.35 2.10 GB00B6YVDD49/GB00B4L0PL26

Schroder Tokyo (Inc/Acc)



To achieve capital appreciation through participation in the growth of theJapanese economy. Investment will be based primarily on Japan'seconomic strengths, such as its manufacturing industry (in particular onthose parts of it that are demonstrating an ability to exploit newlyemerging technology) and on sectors benefiting from structural change inthe economy.

Japan 3,4,6 Inc/Acc

UT n/a Yes 1.50 1.67 0.50 2.30 GB0007650533/GB0007650640

Fu

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(£10

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ISIN

(IN

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Schroder UK AlphaPlus (Inc/Acc)



To provide capital growth through investment in UK and other companies.In order to achieve the objective the manager will invest in a focusedportfolio of securities.


UT n/a Yes 1.50 1.66 0.50 2.30 GB0031440026/GB0031440133

Schroder UK Equity(Inc/Acc)



To achieve capital growth through investment in UK equities. However,attention will be paid to aiming to deliver steady growth in incomedistribution.


UT n/a Yes 1.50 1.67 0.50 2.40 GB0007648677/GB0007648784

Schroder UK Mid 250(Inc/Acc)



To achieve long-term capital growth by investing principally in companieslisted in the FTSE 250 Index. The fund will invest principally in equities ofcompanies whose shares are listed in the FTSE 250 Ex-InvestmentCompanies Index.


UT n/a Yes 1.50 1.66 0.50 2.40 GB0008528589/GB0008528696

Schroder UK SmallerCompanies (Inc/Acc)



To achieve capital growth by investing in UK smaller companies. Thepolicy is to invest in smaller companies in the UK which are expected toexhibit superior growth over the long term.


UT n/a Yes 1.50 1.67 0.50 2.60 GB0007649311/GB0007649535

Schroder US Mid Cap(Inc/Acc)



To provide capital growth and income primarily through investment inequity securities of medium-sized US companies.

Nth Amer 3,4,6,12

Inc/Acc

UT n/a Yes 1.50 1.66 0.50 2.30 GB0030347057/GB0030347271

Schroder US SmallerCompanies (Inc/Acc)



To achieve capital appreciation through investment in US smallercompanies. The fund will invest in the securities of smaller companieslisted on the principal stock exchanges in North America, includingCanada, together with those that are traded on the over-the-countermarket.

Nth Amer 3,4,6,12

Inc/Acc

UT n/a Yes 1.50 1.67 0.50 2.30 GB0007810046/GB0007810152

SEI GMF EmergingMarkets Equity (Inc)

SEI Global MasterFunds Limited - StyneHouse, Upper HatchStreet, Dublin 2


To achieve capital appreciation by investing primarily in securities ofemerging market issuers.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Emer Mkt 2,4,6,7,11

Inc OEIC WlthB

Yes 1.65 2.00 0.50 2.60 IE00B0689778

Fu

nd

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ISIN

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SEI GMF European(Ex UK) Equity (Inc)



To achieve long-term capital growth and income by investing in a broadlydiversified portfolio of European equity securities. Following a manager ofmanagers approach, the Fund's assets are diversified across specialistsub-advisers. The base currency of the Fund is the euro.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

European 4,6,7,11

Inc OEIC WlthB

Yes 1.65 1.80 0.50 2.40 IE00B0689117

SEI GMF GlobalDeveloped MarketsEquity (Inc)



To achieve capital appreciation by investing primarily in equity securitiesof issuers located in developed countries.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Gbl Spec 4,6,7,11

Inc OEIC WlthB

Yes 1.65 1.80 0.50 2.40 IE00B0689B14

SEI GMF GlobalFixed Income (Inc)



To generate current income and exhibit principal volatility similar to that ofthe global developed fixed income market as a whole. Following amanager of managers approach, the Fund's assets are diversified acrossspecialist sub-advisers. The base currency of the Fund is the US dollar.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Int Fixd 2,4,6,7,11

Inc OEIC WlthB

Yes 1.00 1.25 0.35 1.80 IE00B068B377

SEI GMF GlobalOpportunistic FixedIncome* (Inc)



To generate current income consistent with the preservation of capital byinvesting primarily in global fixed income markets.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Int Fixd 2,4,6,7,11

Inc OEIC WlthB

Yes 1.00 1.25 0.35 1.80 IE00B068B716

Fu

nd

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ISIN

(IN

C/A

CC

)

SEI GMF JapanEquity (Inc)



To achieve long-term growth of capital and income by investing primarilyin a broadly diversified portfolio of Japanese equity securities.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Japan 4,6,7,11

Inc OEIC WlthB

Yes 1.65 1.80 0.50 2.40 IE00B0689F51

SEI GMF PacificBasin (Ex Japan)Equity (Inc)



To achieve long-term growth of capital and income by investing primarilyin a broadly diversified portfolio of Pacific Basin (ex-Japan) equitysecurities. Following a manager of managers approach, the Fund'sassets are diversified across specialist sub-advisers. The base currencyof the Fund is the US dollar.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Far East 2,4,6,7,11

Inc OEIC WlthB

Yes 1.65 1.85 0.50 2.50 IE00B0689J99

SEI GMF UK CoreFixed Interest (Inc)



To generate current income while exhibiting principal volatility similar tothat of the UK sterling-denominated bond market as a whole.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

UK Fixed 4,6,7,11

Inc OEIC WlthB

Yes 1.05 1.20 0.35 1.80 IE00B068BD76

SEI GMF UK Equity(Inc)



To achieve long-term capital growth and income by investing primarily ina broadly-diversified portfolio of UK equity securities.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

UK Equity 4,6,7,11

Inc OEIC WlthB

Yes 1.65 1.80 0.50 2.40 IE00B0689448

Fu

nd

Nam

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nd

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(T

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(£10

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ISIN

(IN

C/A

CC

)

SEI GMF US LargeCompanies (Inc)



To provide long-term capital growth and income by investing primarily in abroadly-diversified portfolio of US equity securities of large companies.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Nth Amer 4,6,7,11

Inc OEIC WlthB

Yes 1.65 1.85 0.50 2.50 IE00B0689M29

SEI GMF US SmallerCompanies (Inc)



To achieve long-term capital growth and income by investing primarily ina broadly diversified portfolio of US securities of small companies.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Nth Amer 4,6,7,11,12

Inc OEIC WlthB

Yes 1.65 1.85 0.50 2.50 IE00B0689Q66

Skandia AlternativeInvestments (Acc)

Skandia InvestmentManagement Limited -Skandia House, POBox 37, PortlandTerrace, SouthamptonSO14 7AY


The Fund will primarily invest in collective investment schemes in order togain exposure to a diversified portfolio of investments including, but notlimited to, cash, fixed interest, commodities (indirectly), currency, equitiesand derivatives.

Gbl Spec 2,4,7,12

Acc OEIC n/a Yes 1.50 2.59 0.50 3.30 GB00B39V2C07

Skandia Asian Equity(Acc)

Skandia Global Funds- Arthur Cox Building,Earlsfort Terrace,Dublin 2, Ireland


has been designed to be potentially suitable for investment by or onbehalf of individuals

Far East 2,4,6,7

Acc OEIC A(

GBP)

CIAOnly

1.50 1.85 0.50 2.50 IE00B4Y24W91

Skandia CorporateBond (Signature) (Inc/Acc)



To achieve capital growth through investment in a well-diversifiedportfolio consisting predominantly of sterling-denominated debt securities.The Fund is permitted to invest in overseas bonds, and any non-sterlingcurrency exposure will be hedged back into sterling to remove the risk ofexchange rate fluctuation.*This Fund is not available for the Offshore Collective Investment Bondand it is only available in accumulation units for the Onshore CollectiveInvestment Bond.

UK Fixed 3,4,6,11

Inc/Acc

OEIC n/a Yes 0.90 0.99 0.00 1.50 GB0033491977/GB0031525990

Skandia Diversified(Acc)



To provide investors with long-term capital growth through investment ina diversified range of asset classes. The Fund will invest directly insecurities or through collective investment schemes including those thatare managed or operated by the ACD or an associate of the ACD.

Managed 2,4,5,7,10

Acc OEIC n/a Yes 1.25 1.95 0.50 2.60 GB0032763921

Skandia EmergingMarket Debt(Signature) (Inc)



who have been granted personal injury awards but is not restricted tosuch persons.

Int Fixd 2,4,5,6,7,10

Inc OEIC S(

GBP)

CIAonly

1.10 1.25 0.00 1.80 IE00B53SCL06

Fu

nd

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Fu

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(£10

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ISIN

(IN

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CC

)

Skandia Ethical (Acc) Skandia InvestmentManagement Limited -Skandia House, POBox 37, PortlandTerrace, SouthamptonSO14 7AY


To achieve long-term capital growth and income through investment in aninternational portfolio of securities issued by companies that demonstratesound ethical practice.

Gbl Spec 4,8 Acc OEIC n/a Yes 1.25 1.93 0.50 2.50 GB00B0JZPC21

Skandia EuropeanBest Ideas (Acc)



Gbl Spec 2,4,6,7,10

Acc OEIC A(

GBP)

CIAonly

1.50 3.04 0.50 3.70 IE00B2Q0GX21

Skandia EuropeanEquity (Signature)(Acc)



To seek to achieve asset growth through investment in a well-diversifiedportfolio of securities of European issuers or of issuers establishedoutside Europe which have a predominant proportion of their assets orbusiness operations in Europe. It is not proposed to concentrateinvestments in any one industry or sector.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

European 2,4,6,7,10

Acc OEIC S(

GBP)

CIAonly

1.00 1.28 0.00 1.90 IE00B50XXS26

Skandia EuropeanOpportunities(Signature) (Acc)



To seek to achieve asset growth through investment in a well-diversifiedportfolio of equity and equity-related securities of issuers in Europe or ofissuers established outside Europe which have a predominant proportionof their assets and/or business operations in Europe. The investments willbe diversified across countries and industry groups and the SkandiaEuropean Opportunities Fund will invest in at least three Europeancountries.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

European 4,6,7,10

Acc OEIC S(

GBP)

CIAonly

1.00 1.29 0.00 1.90 IE00B51C5T34

Skandia Gilt(Signature) (Inc/Acc)



To achieve capital growth through investment in a well diversified portfolioconsisting predominantly of UK Gilts. The fund is permitted to invest inoverseas bonds, and any non sterling currency exposure will be hedgedback into sterling to remove the risk of exchange rate fluctuation.

UK Fixed 3,4,6,11

Inc/Acc

OEIC GBP Yes 0.60 0.69 0.00 1.20 GB00B3TGJM41 /GB0032543984

Skandia Global BestIdeas (Acc)



To provide long-term total return from capital growth and income throughinvestment in global securities.

Managed 2,4 Acc OEIC n/a Yes 1.50 2.31 0.50 3.00 GB00B13HMT78

Fu

nd

Nam

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Fu

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(T

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(T

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Red

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(£10

,200

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ISIN

(IN

C/A

CC

)

Skandia Global Bond(Signature) (Inc)



To seek to achieve asset growth through worldwide investment in a well-diversified portfolio of fixed and variable rate debt securities.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Int Fixd 2,4,5,6,7,10

Inc OEIC S(

GBP)

CIAonly

0.90 1.21 0.00 1.80 IE00B56M6849

Skandia GlobalDynamic Equity (Acc)



To provide long-term capital growth predominantly through investment inglobal equities.

Gbl Spec 2,4,6,7,11

Acc OEIC n/a Yes 1.50 2.01 0.50 2.60 GB00B55N9343

Skandia GlobalEmerging Markets(Signature) (Acc)



To seek to achieve asset growth through investment in a well diversifiedportfolio of equity securities of issuers in the Emerging Markets or ofissuers established outside of the Emerging Markets, which havepredominant proportion of their assets or business operations in theEmerging Markets and which are listed, traded or dealt in on a RegulatedMarket worldwide. It is not proposed to concentrate investments in anyone industry or sector. *Please note that this fund is domiciled outside ofthe UK. This means that rules and regulations made under the FinancialServices & Markets Act 2000 of the United Kingdom for the protection ofinvestors do not apply to the fund and that the Financial ServicesCompensation Scheme established by the Financial Services Authoritymay not apply in relation to any investment in the Fund. Additionally, thetaxation of income and gains for UK resident investors may be different toUK domiciled funds. The tax liability will depend on the fund’s Reportingstatus and whether income is treated as dividends or interest. Yourfinancial adviser will be able to explain how these differences impact youdepending on the characteristics of the fund and your individualcircumstances.

Emer Mkt 2,4,6,7,10

Acc OEIC S(

GBP)

CIAonly

1.20 1.59 0.00 2.20 IE00B51GXG87

Skandia Global Equity(Signature) (Acc)



To seek to achieve asset growth through investment in a well-diversifiedportfolio of securities of issuers worldwide. It is not proposed toconcentrate investments in any one geographical region, industry orsector.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Gbl Spec 2,4,6,7,10

Acc OEIC S(

GBP)

CIAonly

1.00 1.17 0.00 1.70 IE00B52WWT17

Skandia Global EquityIncome (Inc)



To provide income with some long-term capital growth. The fund willinvest in a portfolio of predominantly global equities either directly intransferable securities or, up to a maximum of 10% of the schemeproperty through collective investment schemes (including thosemanaged and operated by the ACD or associates of the ACD) in order toprovide exposure to global equities.

Gbl Spec 2,4,5,6,7,11

,12

Inc OEIC A Yes 1.25 1.79 0.50 2.40 GB0033476309

Fu

nd

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(T

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Red

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(£10

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ISIN

(IN

C/A

CC

)

Skandia Global EquityIncome (Signature)(Inc)



To provide income with some long-term capital growth. The fund willinvest in a portfolio of predominantly global equities either directly intransferable securities or, up to a maximum of 10% of the schemeproperty through collective investment schemes (including thosemanaged and operated by the ACD or associates of the ACD) in order toprovide exposure to global equities.

Gbl Spec 2,4,5,6,7,11

,12

Inc OEIC S Yes 1.00 1.18 0.00 1.70 GB00B63M1F61

Skandia GlobalProperty Securities(Inc)



To achieve long-term capital growth and income through investment in aglobally diversified portfolio of property-related securities.

Gbl Spec 3,4,11,12

Inc OEIC n/a Yes 1.50 2.19 0.50 2.80 GB00B0L4QH90

Skandia GreaterChina Equity(Signature) (Acc)



To seek to achieve long-term capital appreciation by investing in a well-diversified portfolio of equity securities issued by companies with eitherthe predominant part of their assets in, or the predominant part of theirrevenues derived from, the People’s Republic of China, Hong Kong andTaiwan that are listed, traded or dealt in on regulated markets in thePeople’s Republic of China, Hong Kong, Taiwan, the US, Singapore,Korea, Thailand and Malaysia or in a member state of the Organisationfor Economic Co-operation and Development.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Far East 2,4,6,7,10

Acc OEIC S(

GBP)

CIAonly

1.00 1.20 0.00 1.80 IE00B50HXL72

Skandia Healthcare(Inc)



7IM will make additional payments, based on the value of holdings, toNestor Partnership LLP for consulting services provided to 7IM in relationto the strategic asset allocation strategy for the CF 71M Personal InjuryFund; however, the Investment Manager has final decision makingauthority. It will be paid from 7IM’s management charge and thereforehas no financial impact on the terms provided to you by 7IM, Skandia oryour financial adviser.

Gbl Spec 1,2,4,12

Inc OEIC A(

GBP) Inc

CIAonly

1.75 1.96 0.50 2.60 IE00B3DWTV79

Skandia InvestmentGrade CorporateBond (Signature) (Inc)



To seek to achieve income and capital growth predominantly throughinvestment in a well-diversified portfolio of credit securities ratedInvestment Grade.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Int Fixd 4,6,7 Inc OEIC S(

GBP) H I

CIAonly

0.90 1.01 0.00 1.60 IE00B51H8J99

Fu

nd

Nam

e

Fu

nd

Man

ager

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(T

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Dep

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(D

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Red

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(£10

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ISIN

(IN

C/A

CC

)

Skandia JapaneseEquity (Signature)(Acc)



To seek to achieve asset growth through investment in a well-diversifiedportfolio of securities of Japanese issuers or of issuers establishedoutside Japan which have a predominant proportion of their assets orbusiness operations in Japan. It is not proposed to concentrateinvestments in any one industry or sector.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Japan 4,6,7,10

Acc OEIC S(

GBP)

CIAonly

1.00 1.27 0.00 1.80 IE00B55MGK72

Skandia LocalCurrency EmergingMarket Debt (Inc)



To seek to achieve total return through investment in a well-diversifiedportfolio of fixed and variable rate debt securities issued in the EmergingMarkets worldwide and which are primarily denominated in the localcurrency of the issuer. *This Fund is not available for the OffshoreCollective Investment Bond.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Int Fixd 2,4,5,6,7,12

,

Inc ICVC A(

GBP) Inc

CIAonly

1.75 2.28 0.50 2.90 IE00B50X2M99

Skandia Pacific Equity(Signature) (Acc)



To seek to achieve asset growth through investment in a well-diversifiedportfolio of securities of Pacific region issuers or of issuers establishedoutside the Pacific region which have predominant proportion of theirassets or business operations in the Pacific region. It is not proposed toconcentrate investments in any one industry or sector.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Far East 2,4,6,7,10

Acc OEIC S(

GBP)

CIAonly

1.00 1.15 0.00 1.70 IE00B55L2F19

Skandia Property (Inc/Acc)



To provide capital growth and income from investment in a diversifiedproperty portfolio, primarily in direct property, but it may include propertyrelated securities and collective investment schemes, propertyderivatives, cash or near cash, and Government and other publicsecurities.*The Total Expense Ratio for this fund includes allowance for a PropertyExpense Ratio, for further information please go to the rear of thisdocument.

Property 3,10,11,12

Inc/Acc

UT n/a Yes 1.35 2.20 0.50 2.80 GB00B0NK8K20/GB00B0N63725

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Skandia Property(Signature) (Inc)



To provide capital growth and income from investment in a diversifiedproperty portfolio, primarily in direct property, but it may include propertyrelated securities and collective investment schemes, propertyderivatives, cash or near cash, and Government and other publicsecurities.*The Total Expense Ratio for this fund includes allowance for a PropertyExpense Ratio, for further information please go to the rear of thisdocument.

Property 3,10,11,12

Inc UT S No 1.15 1.68 0.00 2.30 GB00B4X46978

Skandia Shield (Acc) Commerz DerivativesFunds Solutions S.A. -25, rueEdward Steichen,L-2540 Luxembourg

BNP ParibasSecuritiesServices (D)

The Skandia Shield Fund aims to provide investors with long-term capitalgrowth equivalent to that achieved by a diversified portfolio ofinternational investments. The Fund also aims to limit the extent of anydrop in value due to market falls, by providing a Protected Share Price.This aims to ensure that the price of shares will be at least 80% of thehighest price (Net Asset Value) that they have ever achieved.*Please note that the Skandia Shield fund will be closed to trading ondays when the New York and London Stock Exchanges are closed.** This version of the Skandia Shield Fund is not available through theIndividual Savings Account (ISA) product. A separate version of the Fundhas been made available for the Skandia ISA product.***Given the complex structure of this fund you should refer to the FundManager's own literature for a more comprehensive explanation of theway in which it works and the investment risks.****Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Managed 4,6,7,13

Acc SICAV

A CIAonly

0.80 0.90 0.00 1.50 LU0523747318

Skandia Shield (ISA)(Acc)

Commerz DerivativesFunds Solutions S.A. -25, rueEdward Steichen,L-2540 Luxembourg

BNP ParibasSecuritiesServices (D)

The Skandia Shield Fund aims to provide investors with long-term capitalgrowth equivalent to that achieved by a diversified portfolio ofinternational investments. The Fund also aims to limit the extent of anydrop in value due to market falls, by providing a Protected Share Price.This aims to ensure that the price of shares will be at least 80% of thehighest price (Net Asset Value) that they have ever achieved.*Please note that the Skandia Shield fund will be closed to trading ondays when the New York and London Stock Exchanges are closed.** This version of the Skandia Shield Fund is only available through theIndividual Savings Account (ISA) product. A separate version of the Fundhas been made available for other Skandia products.***Given the complex structure of this fund you should refer to the FundManager's own literature for a more comprehensive explanation of theway in which it works and the investment risks.****Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Managed 4,6,7,13

Acc SICAV

C No 0.80 0.90 0.00 1.50 LU0598083466

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Skandia Spectrum 3(Acc)



To achieve long-term capital growth by investing in a diversified range ofasset classes. The risk profile of the Fund is defensive with a significantmajority of investments in defensive asset classes, and between 15% and40% on equities.

Managed 2,4,6,10

Acc OEIC n/a Yes 1.25 1.84 0.50 2.50 GB00B2Q7X434




To achieve long-term capital growth by investing in a diversified range ofasset classes. The risk profile of the Fund is moderately defensiveportfolio with a majority in investments in defensive asset classes, andbetween 25% and 50% in equities.

Managed 2,4,6,10

Acc OEIC n/a Yes 1.25 1.85 0.50 2.50 GB00B2Q7WY69




To achieve long-term capital growth by investing in a diversified range ofasset classes. The risk profile of the Fund is broadly balanced, withbetween 40% to 60% in equities and the remainder in more defensiveasset classes.

Managed 2,4,6,10

Acc OEIC n/a Yes 1.25 1.86 0.50 2.50 GB00B2Q7WX52




To achieve long-term capital growth by investing in a diversified range ofasset classes. The risk profile of the Fund is broadly balanced, with amajority (50% to 75%) invested in equities and the remainder in moredefensive asset classes.

Managed 2,4,10 Acc OEIC n/a Yes 1.25 1.89 0.50 2.50 GB00B2Q7WW46




To achieve long-term capital growth by investing in a diversified range ofasset classes. The risk profile of the Fund is moderately aggressive, witha significant majority (60% to 80%) invested in equities but with someexposure to more defensive asset classes.

Managed 2,4,10 Acc OEIC n/a Yes 1.25 1.99 0.50 2.60 GB00B2Q7X657




To achieve long-term capital growth by investing in a diversified range ofasset classes. The risk profile of the Fund is aggressive, with a significantexposure (70% to 90%) to equities.

Managed 2,4,10 Acc OEIC n/a Yes 1.25 2.13 0.50 2.80 GB00B2Q7X541

Skandia Sterling Bond(Inc)



To achieve a combination of income and capital growth throughinvestment in a well diversified portfolio consisting of predominantlysterling denominated fixed interest securities. The fund is permitted toinvest on overseas bonds and any non sterling currency exposure will behedged back into sterling to remove the risk of exchange rate fluctuation.*This Fund is not available for the Offshore Collective Investment Bond.

UK Fixed 2,5,6,7,11

Inc OEIC Income

Yes 0.90 1.04 0.00 1.60 GB0033476184

Skandia StrategicBond (Inc)



To provide long-term total return from capital growth and income. Thefund will primarily invest through collective investment schemes (includingthose that are managed or operated by the ACD or an associate of theACD) in order to provide exposure to a well diversified global portfolioprimarily of debt securities (including bonds issued by corporations,governments and supranational entities and asset backed and mortgage-backed securities), currencies and preference shares.

UK Fixed 2,4,5,6,7,12

Inc OEIC GBP Yes 0.80 1.52 0.35 2.10 GB0033747352

Skandia UK BestIdeas (Acc)



To provide long-term total return from capital growth and income throughinvestment in UK securities.

UK Equity 3,4,6,12

Acc OEIC n/a Yes 1.50 2.37 0.50 3.00 GB00B1FD3V21

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(IN

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CC

)

Skandia UK Index(Acc)



To achieve capital growth through predominant investment in a welldiversified portfolio of UK equities aimed at tracking the performance ofthe FTSE All Share (a general market index for UK equities).

UK Equity 4,11 Acc UT GBP Yes 0.40 0.46 0.00 1.40 GB0031869075

Skandia UKOpportunities(Signature) (Acc)



To maximise capital growth through investment in a focused portfolio ofpredominantly UK equities.

UK Equity 3 Acc UT n/a Yes 1.00 1.10 0.00 1.70 GB00B0364W40

Skandia UK Select(Signature) (Acc)



To provide long-term total return from capital growth and income in aportfolio of predominantly UK equities.


Skandia UK StrategicBest Ideas (Acc)



To provide long-term total return through investment in predominantly UKsecurities. Skandia Investment Management Limited has appointedspecialist managers to manage assets in each of these markets, andcontinuously monitors these appointments. The Fund may also holdderivatives (primarily contracts for difference) with the aim of creatingpositions which increase in value as the price of the related investmentfalls. However, the Fund may lose money from these positions if therelated assets rise in value and the investment return could be less than ifit were fully invested in securities.

UK Equity 47,11,12

Acc OEIC n/a Yes 1.50 2.55 0.50 3.20 GB00B241MT59

Skandia UKUnconstrained(Signature) (Acc)



To maximise capital growth through investment in a portfolio ofpredominantly UK equities.


Skandia US LargeCap Growth(Signature) (Acc)



To seek to achieve asset growth and future income through investment ina well-diversified portfolio of equity securities of issuers in the US or ofissuers established outside of the US which have a significant proportionof their assets or business operations in the US. It is not proposed toconcentrate investments in any one industry or sector.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Nth Amer 4,6,7,10

Acc OEIC S(

GBP)

CIAonly

1.00 1.27 0.00 1.80 IE00B552L791

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ISIN

(IN

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CC

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Skandia US LargeCap Value (Signature)(Acc)



To seek to achieve asset growth and current income through investmentin a well-diversified portfolio of equity and equity-related securities oflarge-sized issuers in the US.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Nth Amer 4,6,7,10

Acc OEIC S(

GBP)

CIAonly

1.00 1.21 0.00 1.80 IE00B54CGX13

Skandia US Value(Signature) (Acc)



To seek to achieve a total return through investment in a well-diversifiedportfolio of equity and equity-related securities of issuers in the US,emphasising large companies which appear undervalued relative to theirmarket value.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Nth Amer 4,5,6,7,10

Acc OEIC S(

GBP)

CIAonly

1.00 1.14 0.00 1.70 IE00B5946J89

Smith + WilliamsonEuropean Growth(Inc)


NationalWestminsterBank Plc (T)

To achieve long-term growth of capital primarily through investment inEurope. The Manager may invest in transferable securities, includingwarrants, in European and other exchanges as well as collectiveinvestment schemes, money market instruments, deposits and cash andnear cash. *This Fund is not available for the Offshore CollectiveInvestment Bond.

European 4,6,12 Inc UT A Yes 1.50 1.60 0.50 2.20 GB0008192840

Smith + WilliamsonGlobal Gold andResources (Inc)


NationalWestminsterBank Plc (D)

To achieve long-term capital growth by investing primarily in the shares ofgold mining companies, precious metal related companies and resourcesbased companies. The fund may also invest in gold bullion shares, othertransferable securities, money market instruments, deposits, collectiveinvestment schemes and warrants. *This Fund is not available for theOffshore Collective Investment Bond.

Gbl Spec 1,3,4,5,6,12

Inc OEIC A Yes 1.75 1.85 0.35 2.50 GB00B04PXP62

Smith + WilliamsonNorth American (Inc)



To achieve long-term growth of capital through investment primarily inNorth America and Canada. The Manager may invest in transferablesecurities, including warrants, in North America, Canada and otherexchanges as well as collective investment schemes, money marketinstruments, deposits and cash and near cash. *This Fund is notavailable for the Offshore Collective Investment Bond.

Nth Amer 3,4,6,12

Inc UT A Yes 1.50 1.56 0.50 2.20 GB0007655698

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Smith + WilliamsonShort DatedCorporate Bond (Inc)

Smith & WilliamsonInvestmentManagement (Ireland)Ltd - 6 George,sDock, InternationalFinancial ServicesCentre, Dublin 1

BNP ParibasSecuritiesServices,DublinBranch (D)

To achieve income returns and ready access to capital, by investing themajority of its Net Asset Value in a variety of Sterling, US Dollar and Euroshort-dated investment grade corporate bonds (not limited to anyparticular sector or geographical region), of no more than 6 yearsmaturity.*This Fund is not available for the Offshore Collective Investment Bond.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

UK Fixed 4,5,6,12

Inc OEIC A Yes 1.00 1.01 0.00 1.60 IE00B3VFH812

Somerset EmergingMarkets DividendGrowth (Inc/Acc)

Phoenix FundServices (UK)Limited- 2nd FloorSpringfield LodgeSpringfieldChelmsford EssexCM2 5PW

NationalWestiminsterBank (D)

Seeks to achieve capital appreciation and income growth by mainlyinvesting in an actively managed portfolio of dividend-paying emergingmarket securities.*This Fund is not available for the Offshore Collective Investment Bond &is only available in accumulation units for the Onshore CollectiveInvestment Bond.

Emer Mkt 2,3,4,6,11

Inc/Acc

OEIC A Yes 1.00 1.43 0.35 2.00 GB00B4Q07115/GB00B4QKMK51

Standard Life GlobalAdvantage (Inc/Acc)

Standard LifeInvestments (MutualFunds) Limited - 1George Street,Edinburgh EH2 2LL


To provide capital appreciation. It is intended that income will not be aprime consideration. The Fund is to invest mostly in global equities,equity type investments and fixed interest securities.

Managed 4,6 Inc/Acc

OEIC n/a CIAOnly

1.25 1.35 0.25 1.90 GB0004330154/GB0004330261

Standard Life AAAIncome (Inc/Acc)



To provide a competitive level of income. Capital appreciation is ofsecondary importance. The Fund invests mostly in sterling fixed interestsecurities.


OEIC n/a CIAOnly

1.00 1.10 0.25 1.70 GB0006573108/GB0006161516

Standard LifeAmerican EquityUnconstrained (Acc)



To provide capital appreciation. It is intended that income will not be aprime consideration. The fund will invest in equities and equity typeinvestments of companies listed on a US or Canadian stock exchange orwhich, in the opinion of the ACD, carry on a substantial part of theiroperations in the USA or Canada.

Nth Amer 3,4,6 Acc OEIC n/a CIAOnly

1.50 1.62 0.50 2.20 GB0004483326

Standard Life AsianPacific Growth (Acc)



To provide capital appreciation. It is intended that income will not be aprime consideration. The Fund invests mostly in equities and equity typeinvestments of companies other than Japanese companies listed on anystock exchange in the Asia/Pacific Basin Area.

Far East 2,4,6 Acc OEIC n/a CIAOnly

1.50 1.69 0.50 2.30 GB0004483433

Standard LifeCorporate Bond (Inc/Acc)



To provide a high level of income which is compatible with maintainingthe security of capital. The Fund is to invest mostly in Sterling fixedinterest securities issued by corporations.


OEIC n/a CIAOnly

1.00 1.10 0.25 1.60 GB0004329826/GB0004330048

Standard LifeDynamic Distribution(Inc/Acc)



To produce income and capital appreciation over the medium to longerterm.

Managed 11 Inc/Acc

UT n/a CIAOnly

1.50 1.62 0.50 2.20 GB00B0WS6Q95/GB00B0WS5Y05

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Standard Life EthicalCorporate Bond (Inc/Acc)



To provide a high and stable level of income. Capital appreciation is ofsecondary importance.

UK Fixed 4,6,7,8

Inc/Acc

OEIC n/a CIAOnly

1.00 1.12 0.25 1.70 GB00B0LNNJ75/GB00B0LNNH51

Standard LifeEuropean EquityGrowth (Acc)



To provide capital appreciation. It is intended that income will not be aprime consideration. The Fund is to invest mostly in equities and equitytype investments of companies listed on the main European markets.

European 2,4,6 Acc OEIC n/a CIAOnly

1.50 1.61 0.50 2.20 GB0004483870

Standard LifeEuropean EquityIncome (Inc/Acc)



Aims to provide a high level of income with some capital appreciationover the longer term, by investing mostly in high yielding equities andequity type investments of European Companies or companies which, inthe opinion of the ACD, carry on a substantial part of their operations inEurope.

European 2,3,4,5,6,11

Inc/Acc

OEIC n/a CIAonly

1.50 1.61 0.35 2.20 GB00B3L7S735/GB00B3L7S842

Standard Life GlobalAbsolute ReturnStrategies (Acc)



To deliver a positive absolute return in the form of capital growth over themedium to longer term in all market conditions.

Gbl Spec 4,7 Acc UT n/a CIAOnly

1.50 1.60 0.50 2.20 GB00B28S0093

Standard Life GlobalEquity Income (Acc)



To provide income and some capital growth over the longer term byinvesting predominantly in the shares of higher yielding companies listedon global stock markets.

Gbl Spec 2,3,4,5,6

Acc OEIC n/a CIAOnly

0.95 1.06 0.25 1.60 GB0004330600

Standard Life GlobalEquity Unconstrained(Acc)



To provide capital appreciation. It is intended that income will not be aprime consideration. The Fund is to invest mostly in global equities andequity type investments.

Gbl Spec 1,2,4,6


1.60 1.73 0.50 2.30 GB0004483540

Standard Life GlobalIndex Linked Bond(Inc/Acc)



To provide a consistent level of income from investing primarily insovereign-issued and corporate inflation-linked debt.

Int Fixd 4,6 Inc/Acc

OEIC n/a CIAOnly

1.00 1.11 0.25 1.70 GB00B00ZJM99/GB00B00ZJK75

Standard Life GlobalSmaller Companies(Acc)



To provide capital appreciation, it is intended that income will not be aprime consideration. The fund is to invest mainly in global smallercompany equities (excluding Investment Trusts) and equity typeinvestments. *This Fund is not available for the Offshore CollectiveInvestment Bond.

Gbl Spec 2,3,4,6,12


1.70 1.84 0.50 2.50 GB00B4KHN986

Standard Life HigherIncome (Inc/Acc)



To provide a high level of income by investing mostly in Sterling and Eurodenominated high yielding corporate bonds to give a significantly higherincome than that generally available on UK Government bonds. Capitalappreciation is of secondary importance.


OEIC n/a CIAOnly

1.00 1.09 0.25 1.70 GB0000937093/GB0000938844

Standard LifeJapanese EquityGrowth (Acc)



To provide capital appreciation. It is intended that income will not be aprime consideration. The Fund is to invest mostly in the equities andequity type investments of companies listed on the Japanese stockexchange.

Japan 3,4,6 Acc OEIC n/a CIAOnly

1.50 1.76 0.50 2.40 GB0004483656

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Standard Life MyFolioManaged I (Acc)



To provide a total return fom a combination of income and capitalappreciation over the longer term. Investing mainly in a range of collectiveinvestment schemes managed or operated within the Standard Life groupof companies, the fund achieves a broad exposure to diversifiedinvestments, including equities, absolute returns, fixed and variable rateinterest bearing securities and immoveable property. *This Fund is notavailable for the Offshore Collective Investment Bond.

Managed 4,6,7 Acc OEIC R CIAOnly

1.15 1.64 0.50 2.20 GB00B4ZDNP79

Standard Life MyFolioManaged II (Acc)



To provide a total return from a combination of income and capitalappreciation over the longer term. Investing mainly in a range ofcolleactive investment schemes managed or operated within theStandard Life group of companies, the fund achieves a broad exposure todiversified investments, including equities, absolute returns, fixed andvariable rate interest bearing securities and immoveable property. *ThisFund is not available for the Offshore Collective Investment Bond.


1.15 1.67 0.50 2.30 GB00B55OXL97

Standard Life MyFolioManaged III (Acc)



To provide a total return from a combination of income and capitalappreciation over the longer term. Investing mainly in a range of collectiveinvestment schemes managed or operated within the Standard Life groupof companies, the fund achieves a broad exposure to diversifiedinvestments, including equities, absolute returns, fixed and variable rateinterest bearing securities and immoveable property. *This Fund is notavailable for the Offshore Collective Investment Bond.

Managed 2,4,6,7,10

Acc OEIC R CIAOnly

1.15 1.76 0.50 2.40 GB00B5333L24

Standard Life MyFolioManaged IV (Acc)




Managed 2,4,6,7,10

Acc OEIC R CIAOnly

1.15 1.87 0.50 2.50 GB00B4SD6F58

Standard Life MyFolioManaged V (Acc)




Managed 2,4,6,7

Acc OEIC R CIAOnly

1.15 1.87 0.50 2.50 GB00B51GWF01

Standard Life MyFolioMarket I (Acc)





1.15 1.44 0.50 2.10 GB00B5335D89

Standard Life MyFolioMarket II (Acc)



To provide a total return from a combination of income and capitalappreciation over the longer term. Investing mainly in a range of collectiveinvestment schemes to achieve a broad exposure to diversifiedinvestments, including equities, fixed and variable rate interest bearingsecurities and immoveable property. *This Fund is not available for theOffshore Collective Investment Bond.

Managed 4,6,7,10

Acc OEIC R CIAOnly

1.15 1.47 0.50 2.10 GB00B55ZKX71

Standard Life MyFolioMarket III (Acc)




Managed 2,4,6,7,10

Acc OEIC R CIAOnly

1.15 1.49 0.50 2.10 GB00B585DT13

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Standard Life MyFolioMarket IV (Acc)




Managed 2,4,6,7,10

Acc OEIC R CIAOnly

1.15 1.52 0.50 2.10 GB00B55VSY27

Standard Life MyFolioMarket V (Acc)




Managed 2,4,6,7,10

Acc OEIC R CIAOnly

1.15 1.45 0.50 2.00 GB00B4XXTK68

Standard Life MyFolioMulti-Manager I (Acc)



To provide a total return from a combination of income and capitalappreciation over the longer term, investing mainly in a range of collectiveinvestment schemes from selected managers to achieve a broadexposure to diversified investments, including equities, absolute returns,fixed and variable rate interest bearing securities and immoveableproperty. *This Fund is not available for the Offshore CollectiveInvestment Bond.


1.40 2.01 0.50 2.60 GB00B5119S76

Standard Life MyFolioMulti-Manager II (Acc)





1.40 2.18 0.50 2.80 GB00B55PLK10

Standard Life MyFolioMulti-Manager III(Acc)



To provide a total return from a combination of income and capitalappreciation over the longer term, investing mainly in a range of collectiveinvestment schemes from selected managers to achieve a broadexposure to diversified investments, including equities, absolute returnsfixed and variable rate interest bearing securities and immoveableproperty. *This Fund is not available for the Offshore CollectiveInvestment Bond.

Managed 4,6,7,10

Acc OEIC R CIAOnly

1.40 2.19 0.50 2.80 GB00B4ZWVK55

Standard Life MyFolioMulti-Manager IV(Acc)




Managed 2,4,6,7,10

Acc OEIC R CIAOnly

1.40 2.27 0.50 2.90 GB00B55QRR32

Standard Life MyFolioMulti-Manager V (Acc)




Managed 2,4,6,7

Acc OEIC R CIAOnly

1.40 2.29 0.50 2.90 GB00B52RKW59

Standard Life SelectIncome (Inc/Acc)



To provide a high and stable level of income by investing mostly in fixedinterest securities. Capital appreciation is of secondary importance.


OEIC n/a CIAOnly

1.00 1.10 0.25 1.70 GB0032784620/GB0032784737

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Standard Life SelectProperty (Inc/Acc)



To provide income, with some capital growth over the longer term. Theinvestment policy of the Fund is to invest primarily in commercial propertyand property-related equities, property investment companies, otherproperty collective investment schemes, fixed income and cash.


UT n/a CIAOnly

1.75 1.87 0.50 2.50 GB00B0LD3W04/GB00B0LD3V96

Standard LifeStrategic Bond (Inc/Acc)



To provide a return from a combination of income and capital growthinvesting mainly in bonds including government and corporate bonds, subinvestment grade bonds and inflation linked bonds issued anywhere inthe world.

UK Fixed 2,3,4,5,6,7

Inc/Acc

UT n/a CIAOnly

1.25 1.39 0.35 2.00 GB00B3D8LS65/GB00B3D8LV94

Standard Life UKEquity Growth (Acc)



To provide capital appreciation. It is intended that income will not be aprime consideration. The Fund is to invest mostly in equities and equitytype investments of companies listed on a UK stock exchange or which,in the opinion of the ACD, carry out a substantial part of their operationsin the UK.

UK Equity 3,4,6 Acc OEIC n/a CIAOnly

1.50 1.59 0.50 2.20 GB0004330717

Standard Life UKEquity High Alpha(Inc/Acc)



To maximise returns whilst maintaining a balance between capitalappreciation and income. The Fund is to invest mostly in UK equities andequity type investments of companies listed on the UK stock exchange orwhich, in the opinion of the ACD, carry on a substantial part of theiroperations in the UK.


OEIC n/a CIAOnly

1.50 1.61 0.50 2.20 GB0004330378/GB0004330485

Standard Life UKEquity High Income(Inc/Acc)



To provide a high level of income with some capital appreciation over thelonger term. The Fund is to invest in the UK mostly in high yieldingequities and equity type investments of companies listed on a UK stockexchange or which, in the opinion of the ACD, carry on a substantial partof their operations in the UK.

UK Equity 3,4,6,11

Inc/Acc

OEIC n/a CIAOnly

1.50 1.59 0.50 2.20 GB0004330824/GB0004330931

Standard Life UKEquity IncomeUnconstrained (Inc/Acc)



To provide a high level of income with some capital appreciation over thelonger term. The investment policy of the Fund is to invest substaintiallyin high yielding equities and equity type investments of UK companies orcompanies, which, in the opinion of the ACD, carry on a substantial partof their operations in the UK. *This Fund is not available for the OffshoreCollective Investment Bond & is only available in accumulation units forthe Onshore Collective Investment Bond.

UK Equity 3,4,6,11,12

Inc/Acc

OEIC n/a CIAOnly

1.80 1.92 0.50 2.50 GB00B1LBSS23 /GB00B1LBSR16

Standard Life UKEquity Unconstrained(Acc)



To provide capital growth. Income is of secondary importance. The Fundwill invest in equities and equity-type investments of companies listed ona UK Stock Exchange or which, in the opinion of the ACD, carry on asubstantial part of their operations in the UK.

UK Equity 1 Acc OEIC n/a CIAOnly

1.80 1.90 0.50 2.50 GB00B0LD3B90

Standard Life UKEthical Trust (Acc)



To provide capital appreciation. It is intended that income will not be aprime consideration. The Fund is to invest mostly in equities and equitytype investments of companies listed on a UK stock exchange or which,in the opinion of the ACD, carry on a substantial part of their operations inthe UK.

UK Equity 4,6,8 Acc OEIC n/a CIAOnly

1.50 1.60 0.50 2.20 GB0004331012

Standard Life UK Gilt(Inc/Acc)



To provide a high level of income with capital appreciation being ofsecondary importance. The Fund invests mostly in UK Governmentsecurities.

UK Fixed 6 Inc/Acc

OEIC n/a CIAOnly

1.00 1.11 0.25 1.70 GB0004331129/GB0004328745

Standard Life UKOpportunities (Inc/Acc)



To provide capital growth over the longer term mainly through investmentin small and medium-sized companies. It is intended that income will notbe a prime consideration. The Fund is to invest mostly in equities andequity type investments of companies listed on a UK stock exchange orwhich, in the opinion of the ACD, carry on a substantial part of theiroperations in the UK.

UK Equity 3,4,6,12

Inc/Acc

OEIC n/a CIAOnly

1.50 1.60 0.50 2.20 GB0032177999/GB0032094392

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Standard Life UKProperty (Inc/Acc)



Aims to provide long term growth from a combination of income andcapital growth by investing predominantly in UK commercial properties.Typically the fund will invest in a mix of freehold and leasehold propertiesselected from across the retail, office and industrial sectors.*This Fund is not available for the Offshore Collective Investment Bond &is only available in accumulation units for the Onshore CollectiveInvestment Bond.*The Total Expense Ratio for this fund includes allowance for a PropertyExpense Ratio, for further information please go to the rear of thisdocument.


UT n/a CIAOnly

1.60 2.32 0.50 3.00 GB00B3Y85505/GB00B0LD3J76

Standard Life UKSmaller Companies(Acc)



To provide capital growth over the longer term through investment insmaller companies in the UK equity market. It is intended that income willnot be a prime consideration.

UK Equity 3,4,6,12


1.60 1.69 0.50 2.30 GB0004331236

SVM EuropeanEurope (Acc)

SVM AssetManagement Limited -7 Castle Street,Edinburgh EH2 3AH


To achieve long-term capital growth from a tightly controlled list of mainlylarge capitalisation European stocks, augmented by a small number ofmid-cap companies which the Manager believes will generate highgrowth. The Fund aims to outperform the FTSE World Europe ex-UKIndex.


SVM GlobalOpportunities (Acc)



To fill that gap in investors' portfolios and deliver a genuinely uncorrelatedreturn, and, at the same time, harness the real potential of growingmarkets around the world.

Gbl Spec 1,2,4 Acc OEIC A Yes 1.25 1.71 0.50 2.30 GB00B12Z0N20

SVM UK AbsoluteAlpha (Acc)



To achieve positive returns for investors and seek to outperform cash (asmeasured by the 3-month LIBOR rate) over rolling 12-month periods andseek to significantly outperform 3-month LIBOR over the longer term. *The Annual Management Charge for this fund includes allowance for aperformance-related fee, for further information please go to the rear ofthis document.

UK Equity 4,6,7,14

Acc OEIC A Yes 3.08 3.61 0.50 4.30 GB00B4YGDH95

SVM UK Growth (Acc) SVM AssetManagement Limited -7 Castle Street,Edinburgh EH2 3AH


To achieve above average capital growth over the medium to long term(although short term investment opportunities will also be considered)and it aims to outperform the FTSE All Share Index (or any successor orsubstitute index).

UK Equity n/a Acc OEIC A Yes 1.50 1.80 0.50 2.40 GB0032064635

SVM UKOpportunities (Acc)



To achieve above-average capital growth over the medium to long term,although short-term investment opportunities will also be considered.


SVM World Equity(Acc)



To achieve above average capital growth over the medium to long term(although short term investment opportunities will also be considered)and it aims to outperform its peers in the IMA Global Growth sector. TheFund will invest in a portfolio of global equities and other equity relatedinstruments such as Exchange Traded Funds.

Gbl Spec 1,2,3,4,7,12

Acc OEIC A Yes 1.50 1.98 0.50 2.60 GB00B0KXRB86

SWIP AbsoluteReturn Bond (Inc/Acc)

Scottish WidowsInvestmentPartnership - PO Box17036, 69 MorrisonStreet, EdinburghEH3 8YF


To achieve a positive capital return, over the long term, regardless ofmarket conditions. The fund invests mainly in fixed-interest securities(including government and supranational bonds, corporate bonds, non-investment grade bonds and emerging market debt); index linkedsecurities, money market instruments, cash, near-cash, and deposits.

Int Fixd 2,5,6,7

Inc/Acc

OEIC A CIAOnly

1.00 1.14 0.25 1.70 GB00B1265859/GB00B1265743

SWIP Corporate BondPlus (Inc/Acc)



To provide a total return by investing in a portfolio of predominantlybonds. The Fund will predominantly invest in investment-grade sterling-denominated corporate bonds. The Fund may also invest in governmentbonds, non-sterling investment-grade bonds, sub investment-gradebonds, convertible bonds and preference shares denominated in anycurrency.


OEIC A CIAOnly

1.00 1.12 0.25 1.70 GB00B019GX02/GB00B019GW94

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SWIP Defensive Gilt(Inc/Acc)



To provide a total return by investing in a portfolio of predominantlybonds.


OEIC A CIAOnly

1.00 1.12 0.25 1.70 GB00B019H265/GB00B019H158

SWIP EmergingMarkets (Acc)



To provide long-term capital growth through direct and indirect investmentmainly in the securities of companies that are quoted or operatingprimarily in countries deemed by the ACD to be emerging markets.

Emer Mkt 2,4 Acc OEIC A CIAOnly

1.50 1.78 0.50 2.40 GB0033309310

SWIP EuropeanIncome (Inc/Acc)



To provide an income in excess of the FTSE Europe ex UK Indextogether with capital growth over the long term. *This Fund is notavailable for the Offshore Collective Investment Bond & is only availablein accumulation units for the Onshore Collective Investment Bond.


OEIC A CIAOnly

1.50 1.67 0.50 2.30 GB00B24FRY75 /GB00B24FRX68

SWIP European RealEstate (Inc/Acc)



To provide a total return by investing principally in a portfolio ofcompanies whose activities include the ownership, management ordevelopment of European real estate.


OEIC A CIAonly

1.50 1.65 0.50 2.20 GB00B0H5P791/GB00B0H5MF69

SWIP Gilt Plus (Inc/Acc)



To provide a total return by investing in a portfolio of predominantlybonds. The Fund will predominantly invest in UK Government bonds. TheFund may also invest in bonds of other sovereign, government, publicand supra-national issuers, and investment grade corporate bonds.


OEIC A CIAonly

1.00 1.12 0.25 1.70 GB00B019H828/GB00B019H711

SWIP Multi ManagerDiversity (Acc)



To achieve long-term capital growth in excess of inflation throughinvestment in a portfolio which gives exposure to a wide range of assetclasses and geographic regions.

Managed 4,6,11,12

Acc OEIC A CIAonly

1.25 2.01 0.50 2.60 GB00B2941F80

SWIP Multi-ManagerInternational Equity(Acc)



To provide total returns by investing at least two-thirds of the fund's totalassets in shares and other equity instruments which are issued bycompanies located around the world in various jurisdictions, excluding theUK.*This Fund is not available for the Offshore Collective Investment Bond.

Gbl Spec 2,4,6 Acc OEIC A CIAOnly

1.70 1.82 0.50 2.40 GB00B02G7D75

SWIP Multi-ManagerSelect Boutiques(Acc)



To achieve long-term capital growth through investment in a portfoliowhich gives exposure to equity markets and sectors in the UK andthroughout the world. The fund will predominantly invest in collectiveinvestment schemes, the majority of which will be managed on anabsolute return basis by specialist and/or boutique investmentmanagement companies. *This Fund is not available for the OffshoreCollective Investment Bond.

Managed 2,4,6 Acc OEIC A CIAonly

1.25 2.48 0.50 3.10 GB00B2941R03

SWIP Property Trust(Inc/Acc)



To provide investors with a total return consistent with a balancedcommercial property portfolio.*The Total Expense Ratio for this fund includes allowance for a PropertyExpense Ratio, for further information please go to the rear of thisdocument.

Property 4,6,7,10

Inc/Acc

UT n/a CIAonly

1.35 1.68 0.50 2.30 GB00B036Z329/GB00B036Z659

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SWIP Strategic Bond(Inc/Acc)



To provide a total return by investing in a portfolio of global debtinstruments.*This Fund is not available for the Offshore Collective Investment Bond &is only available in accumulation units for the Onshore CollectiveInvestment Bond.

UK Fixed 2,4,5,6,7

Inc/Acc

OEIC A CIAonly

1.25 1.44 0.35 2.00 GB00B3QPW039/GB00B3TZSB32

SWIP UK FlexibleStrategy (Acc)



To aim to achieve a positive capital return, over the long term, regardlessof market conditions, through investment and disinvestment (directly orindirectly) in a portfolio predominantly consisting of UK Equities, relatedderivative contracts, money market instruments, cash, near cash anddeposits.*This Fund is not available for the Offshore CollectiveInvestment Bond.

UK Equity 3,6,7 Acc OEIC A CIAonly

1.50 1.80 0.50 2.40 GB00B1265J60

SWIP UK Income(Inc)



To provide an income greater than that of the FTSE All Share Indextogether with capital growth over the longer term.


1.50 1.63 0.50 2.20 GB0033318378

SWIP UKOpportunities (Acc)



To provide a stable and consistent return through direct and indirectinvestment mainly in United Kingdom securities.

UK Equity 3,6 Acc OEIC A CIAonly

1.50 1.64 0.50 2.20 GB0032143140

T. Bailey DynamicCautious Managed(Inc)

T. Bailey FundManagers Limited - 64St James’s Street,Nottingham NG1 6FJ


To outperform the IMA Cautious Managed Sector average on a totalreturn basis over the medium-to-long term.

Managed 2,4,5,6,11,12

Inc UT R Yes 1.50 2.69 0.50 3.40 GB00B1386325

T. Bailey Growth(Acc)

T. Bailey FundManagers Limited - 64St James’s Street,Nottingham NG1 6FJ


To provide capital growth over the medium to long term and to outperformthe IMA Global Growth Sector Average over rolling three-year periods.

Gbl Spec 2,4,5,6

Acc UT R Yes 1.50 2.42 0.50 3.10 GB00B02TSH75

TB Doherty ActiveManaged (Acc)

Doherty FundsAuthorised CorporateDirector: T. BaileyFund ManagersLimited - 64 St.James’s Street,Nottingham NG1 6FJ


To achieve above average growth. The fund is made up of various assetclasses, however, the bias is in favour of equities. The fund will investprimarily in a diversified portfolio of funds (i.e. it is a fund of funds).

Managed 2,4,5,6

Acc OEIC A Yes 1.50 2.68 0.50 3.30 GB00B4MG9Y09

TB Doherty BalancedManaged (Acc)



To provide capital growth whilst maintaining a relatively controlled level ofvolatility. The fund invests in a diversified portfolio of both equity and non-equity asset classes. The fund will invest primarily in a diversified portfolioof funds (i.e. it is a fund of funds), and is benchmarked against theInvestment Management Association Balanced Managed Sector Mean.

Managed 2,4,5,6

Acc OEIC A Yes 1.50 2.66 0.50 3.30 GB00B4MTNF86

TB Doherty CautiousManaged (Acc)



To protect the capital value of investments whilst targeting a level ofgrowth that is superior to that on offer through Bank Deposit rates. Thefund will invest primarily in a diversified portfolio of funds (i.e. it is a fundof funds), and performance will be measured against the InvestmentManagement Association Cautious Managed Sector Mean.

Managed 2,4,5,6

Acc OEIC A Yes 1.50 2.43 0.50 3.10 GB00B4MTNX68

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TB Wise Income (Inc/Acc)

Wise InvestmentFundsAuthorised CorporateDirector: T. BaileyFund ManagersLimited - 64 StJames’s Street,Nottingham NG1 6FJ


To provide a high income yield with the potential for capital growth from adiversified portfolio of collective investment schemes, including UnitTrusts and OEICs, equities including investment trusts, bonds,government securities, money market instruments and cash. There willbe no restriction on allocations between asset classes or geographicregions.

Managed 4,7,11,12

Inc/Acc

OEIC A Yes 1.65 2.15 0.50 2.90 GB00B0LHRT77/GB00B0LHXD36

TB Wise InvestmentFund (Acc)



To provide capital growth over the medium to long term in excess ofdeposit account returns and inflation. The Fund will invest in collectiveinvestment schemes, including Unit Trust and OEICs, although otherinvestments may also be held, including investment trusts, money marketinstruments and deposits. The Fund will from time to time invest directlyin UK listed shares if the Manager feels that value can be added by doingso. The Fund will invest in the following assets: UK and overseasequities, fixed interest securities, property and cash.

Managed 4,7,12 Acc OEIC A Yes 1.65 2.13 0.50 2.90 GB0034272426

TB Wise Strategic(Acc)



To provide capital growth over the medium to long term in excess ofdeposit account returns and inflation by investing in collective investmentschemes, although other investments may also be held, including moneymarket instruments and deposits. These will include funds investing in UKand overseas equities, fixed interest securities, property and cash.

Managed 4 Acc OEIC A Yes 1.65 2.88 0.50 3.70 GB0034272640

Templeton GlobalBond (Hedged)SICAV (Inc)



To maximise total investment return consisting of a combination ofinterest income, capital appreciation and currency gains.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Int Fixd 2,4,5,6,7

Inc OEIC A CIAOnly

1.05 1.40 0.25 2.00 LU0316492692

Templeton GlobalBond (Un-hedged)SICAV (Inc)



To maximise total investment return consisting of a combination ofinterest income, capital appreciation and currency gains.*Please note that this fund is domiciled outside of the UK. This meansthat rules and regulations made under the Financial Services & MarketsAct 2000 of the United Kingdom for the protection of investors do notapply to the fund and that the Financial Services Compensation Schemeestablished by the Financial Services Authority may not apply in relationto any investment in the Fund. Additionally, the taxation of income andgains for UK resident investors may be different to UK domiciled funds. The tax liability will depend on the fund’s Reporting status and whetherincome is treated as dividends or interest. Your financial adviser will beable to explain how these differences impact you depending on thecharacteristics of the fund and your individual circumstances.

Int Fixd 2,4,5,6,7

Inc OEIC A CIAOnly

1.05 1.40 0.25 2.00 LU0229943369

Templeton GlobalEmerging Markets(Acc)



To provide long-term capital growth by investing primarily in emergingmarket equities.*This Fund is only available in accumulation units for the OnshoreCollective Investment Bond & the Offshore Collective Investment Bond.

Emer Mkt 2,4,6,12

Acc OEIC A Yes 1.75 1.93 0.50 2.50 GB0034009190

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ion

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(£10

,200

wit

ho

ut

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sto

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arg

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ISIN

(IN

C/A

CC

)

Templeton GlobalTotal Return Bond(Inc)



To achieve a total return, over the long-term, from a combination ofincome, capital growth and currency gains.*This Fund is not available for the Offshore Collective Investment Bond.

Int Fixd 2,5,6,7

Inc OEIC A Yes 1.20 1.35 0.25 1.90 GB00B42B3V09

Templeton Growth(Inc/Acc)



To maximise total investment return, concentrating on long-term capitalgrowth with the lower risks associated with an internationally diversifiedportfolio of equities.

Gbl Spec 2,4,6,12

Inc/Acc

OEIC A Yes 1.50 1.58 0.50 2.20 GB0002733854/GB0002733748

Thames RiverBalanced Managed(Inc/Acc)

Thames River Multi-Capital LLP - 51Berkeley Square,London W1J 5BB


To achieve a balance between capital growth and reasonable incomethrough investment in shares or units of regulated and/or unregulatedcollective investment schemes and/or closed ended funds.

Managed 2,3,4,5,6,7,11,12

Inc/Acc

OEIC A Yes 1.50 2.56 0.50 3.20 GB00B23Y3813/GB00B23Y3920

Thames RiverCautious Managed(Inc/Acc)



To achieve income and capital growth through investment in shares orunits of regulated and/or unregulated collective investment schemes and/or closed ended funds.

Managed 2,3,4,5,6,11

,12

Inc/Acc

OEIC A Yes 1.50 2.38 0.50 3.00 GB00B23Y3B47/GB00B23Y3C53

Thames RiverDistribution (Inc/Acc)



To achieve a total return with an emphasis on income together with somecapital growth through investment in shares or units of regulated and/orunregulated collective investment schemes and/or closed ended funds.

Managed 2,3,4,5,6,7,11,12

Inc/Acc

OEIC A Yes 1.50 2.33 0.50 3.00 GB00B23Y3D60/GB00B23Y3F84

Thames River EquityManaged (Acc)



To achieve capital growth through investment in shares or units ofregulated and/or unregulated collective schemes and/or closed endedfunds.

Managed 2,3,4,5,6,7,

12

Acc OEIC A Yes 1.50 2.52 0.50 3.20 GB00B23Y3H09

Thames River GlobalBoutiques (Acc)



To achieve capital growth through investment in shares or units ofregulated and/or unregulated collective investment schemes and/orclosed ended funds managed by investment managers judged by theACD to be boutique in nature taking into account relevant factorsidentified by the ACD. This may include schemes or funds managed bythe ACD and/or an associate.

Gbl Spec 2,3,4,5,6,7,

12

Acc OEIC A Yes 1.50 2.65 0.50 3.30 GB00B23Y3K38

Thesis AustralianNatural Resources(inc)

Thesis Unit TrustManagement Limited,Exchange Building, StJohn's Street,Chichester, WestSussex, PO19 1UP


To achieve capital appreciation by active investment in a diverse portfolioof securities which, it is intended, shall be diversified by listing and marketcapitalisation, involved in the mining, extraction and/or processing ofnatural resources and associated operations and infrastructure. The fundwill invest mainly in Australian quoted companies. *The AnnualManagement Charge for this fund does not include an allowance for aperformance-related fee, for further information please go to the rear ofthis document. *This Fund is not available for the Offshore CollectiveInvestment Bond.

Gbl Spec 3,4,11,12

Inc OEIC Income

GBP

CIAOnly

1.00 1.40 0.00 2.00 GB00B0D75910

ThreadneedleAbsolute Return Bond(Acc)

ThreadneedleInvestment ServicesLimited - PO Box3551, Swindon SN39AO


To achieve a total positive return in all market conditions by investing theassets of the underlying fund so as to gain exposure to global bondmarkets.

Int Fixd 4,6,7 Acc OEIC 1 Yes 1.25 1.38 0.35 2.00 GB00B0L4TF81

ThreadneedleAmerican (Acc)



To achieve capital growth through investing primarily in the stock ofmedium to large companies domiciled in North America or which havesignificant North American operations. If desirable, the Fund may furtherinvest in other securities (including fixed interest securities, other equitiesand money market securities).

Nth Amer 4,6 Acc OEIC 1 Yes 1.50 1.69 0.50 2.30 GB0001530566

Fu

nd

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(£10

,200

wit

ho

ut

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sto

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ISIN

(IN

C/A

CC

)

ThreadneedleAmerican Select (Acc)



To achieve above-average capital growth through investing in companiesdomiciled in North America or which have significant North Americanoperations. These include smaller and emerging growth companies,those with potential for merger or takeover, those with new managementrecovery situations and exploration companies. There will be no particularsector specialisation.

Nth Amer 3,4,12 Acc OEIC 1 Yes 1.50 1.69 0.50 2.30 GB0001529238

ThreadneedleAmerican SmallerCompanies (Acc)



To achieve capital growth by primarily investing in the equities of smallercompanies that are domiciled in the US or have significant US operations.

Nth Amer 4,6,12 Acc OEIC 1 Yes 1.50 1.70 0.50 2.30 GB0001530129

Threadneedle Asia(Acc)



To achieve capital growth through investing primarily in the equities ofcompanies domiciled in Asia (with the exclusion of Japan) or withsignificant Asian (excluding Japan) operations. The Fund may howeverfurther invest in other securities including fixed interest securities, otherequities and money market securities.

Far East 1,2,4 Acc OEIC 1 Yes 1.50 1.69 0.50 2.30 GB0001441137

Threadneedle CreditOpportunities (Acc)



To achieve a total positive return in all market conditions throughexposure to a range of credit related instruments. *This Fund is notavailable for the Offshore Collective Investment Bond.

UK Fixed 2,4,5,6,7,12

Acc OEIC 1 Yes 1.25 1.53 0.35 2.20 GB00B4STTD29

ThreadneedleEmerging MarketBond (Inc)



Investing primarily in the assets of high yielding public sector sovereignand corporate bonds issued by emerging market borrowers, typicallythese countries are outside the OECD. The Fund may use derivatives(including may also invest in other fixed interest securities, includingbonds issued by countries making up the G7, deposits, cash and nearcash. In addition, the Fund currency, interest rate and credit defaultswaps) and forward transactions for purposes that are limited to efficientportfolio management techniques.

Int Fixd 1,2,3,4,5,6,11,12

Inc OEIC 1 Yes 1.50 1.71 0.35 2.30 GB0002365608

Threadneedle Equity& Bond (Acc)



To provide a return by way of capital growth and income from defensivelymanagedinvestment in regulated collective investment schemes operated,managed or advised byThreadneedle Investment Services Limited (or any company within theGroup of which it isa member). The fund may invest internationally and will invest primarily incollectiveinvestment schemes that invest in equities, fixed interest securities, cashor near cash.

Managed 4,6,7 Acc UT 1 Yes 0.25 1.56 0.35 2.20 GB0001439834

ThreadneedleEuropean (Acc)



To achieve capital growth. The Fund will invest primarily in equities ofcompanies domiciled in Continental Europe or which have significantContinental European operations with growth prospects. If desirable, theFund may further invest in other securities (including fixed interestsecurities, other equities and money market securities).

European 4 Acc OEIC 1 Yes 1.50 1.69 0.50 2.30 GB0001440949

ThreadneedleEuropean Bond (Inc)



To achieve total return primarily by way of income with some capitalgrowth by investing inEuropean public sector sovereign bonds and corporate bonds, issued bycompanies domiciled in Europe or with significant European operations,denominated in a range ofEuropean currencies or other Euro denominated public sector sovereignbonds and corporate bonds. The fund has the flexibility to invest in bondsissued by Eastern European issuers.


Fu

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(T

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(£10

,200

wit

ho

ut

inve

sto

r ch

arg

e)

ISIN

(IN

C/A

CC

)

ThreadneedleEuropean CorporateBond (Acc)



To achieve total return. The Fund will invest in a managed portfolio offixed interest securities which are primarily Euro denominated. Theportfolio will consist primarily of a broad range of investment gradecorporate fixed interest investments in companies domiciled in Europe orwhich have significant European operations.

Int Fixd 4,6 Acc OEIC 1 Yes 1.00 1.25 0.35 1.80 GB0032133448

ThreadneedleEuropean High YieldBond (Acc)



To achieve a total return. Over time this will be predominantly by way ofincome. The Fund will invest primarily in corporate fixed interestsecurities at corporate level with higher risk (that is non-investment gradecredit) issued predominantly in euro or sterling.*This Fund is not available through the Individual Savings Account (ISA).

Int Fixd 4,5,6 Acc OEIC 1 Yes 1.25 1.44 0.50 2.00 GB00B50MW044

ThreadneedleEuropean Select(Acc)



To achieve above-average capital growth through mainly investing in arelatively concentrated portfolio of equities of companies domiciled inContinental Europe or which have significant Continental Europeanoperations.


ThreadneedleEuropean SmallerCompanies (Acc)



To achieve capital growth through investing primarily in the equity ofsmaller companies domiciled in Continental Europe or with significantContinental European operations. If desirable, the Fund may investfurther in other securities (including fixed interest securities, other equitiesand money market securities).


Threadneedle GlobalBond (Inc)



To achieve a total return comprising primarily of income with some capitalgrowth, by investing in a managed portfolio of fixed income securitiesquoted on markets worldwide.


Threadneedle GlobalEquity & Bond (Acc)



To provide capital growth with some income from investment in regulatedcollective investment schemes operated, managed or advised byThreadneedle Investment Services Limited (or any company within theGroup of which it is a member). The fund will invest internationally andprimarily in collective investment schemes that invest in equities, and/orfixed income securities.

Managed 2,4,6,7

Acc UT 1 Yes 0.25 1.77 0.50 2.40 GB0001439727

Threadneedle GlobalEquity (Acc)



To provide above average capital growth from investment in regulatedcollective investment schemes managed, operated or advised byThreadneedle Investment Services Limited (or any company within theGroup of which it is a member). The fund will invest internationally andprimarily in collective investment schemes that invest in equities.

Managed 2,4,6,7

Acc UT 1 Yes 0.25 1.91 0.50 2.50 GB0001448892

Threadneedle GlobalEquity Income (Inc/Acc)



To achieve a high and growing income over the long term combined withprospects for capital growth by investing no less than two-thirds of thegross assets in global equities. *This Fund is not available for theOffshore Collective Investment Bond & is only available in accumulationunits for the Onshore Collective Investment Bond.

Gbl Spec 2,4,6,11

Inc/Acc

OEIC 1 Yes 1.50 1.68 0.50 2.30 GB00B1Z2MW38/GB00B1YW3W13

Threadneedle GlobalSelect (Acc)



To achieve above-average capital growth through investment in equitiesissued by companies worldwide. The portfolio may be concentratedgeographically or with respect to stock and sector positions, which maylead to increased levels of volatility.

Gbl Spec 2,3,4,6

Acc OEIC 1 Yes 1.50 1.70 0.50 2.30 GB0001444701

Threadneedle HighYield Bond (Inc)



To achieve a higher level of income. Income will be paid monthly. TheFund will invest principally in higher-risk UK and international fixedinterest securities. It may also invest in equities.

UK Fixed 5,6,11 Inc OEIC 1 Yes 1.25 1.44 0.35 2.00 GB0008371014

Fu

nd

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Fu

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(D

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Red

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ion

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(£10

,200

wit

ho

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inve

sto

r ch

arg

e)

ISIN

(IN

C/A

CC

)

Threadneedle Japan(Acc)



To achieve capital growth from a diversified portfolio of Japanesecompanies, concentrating on value and growth prospects. Whilepredominantly equity-based, the Fund may invest in warrants, convertiblebonds and other approved instruments deemed appropriate.

Japan 1,4 Acc OEIC 1 Yes 1.50 1.71 0.50 2.30 GB0001529121

Threadneedle JapanSmaller Companies(Acc)



To achieve capital growth by investing primarily in the equities ofcompanies domiciled in Japan or with significant Japanese operations.

Japan 3,4,6,12

Acc OEIC 1 Yes 1.50 1.71 0.50 2.30 GB0001531200

Threadneedle LatinAmerica (Acc)



To achieve capital growth through investing mainly in equities ofcompanies domiciled in Latin America or which have significant LatinAmerican operations and it may further invest in fixed income securitiessuch as Sovereign and corporate Latin American debt, other equities andmoney market securities.

Emer Mkt 2,4,6 Acc OEIC 1 Yes 1.50 1.75 0.50 2.40 GB0001531754

ThreadneedleManaged Portfolio 3(Inc)


HSBC BankPlc (D)

To generate income with the potential for some long term capital growthby investing mainly through a portfolio of fixed interest exposure, togetherwith some equity and property exposure to complement this, usingcollective investments mainly operated by other fund managers. Inrespect of investments into the LV Managed Portfolio 3, LV will makeadditional payments, based on the value of holdings, to certainorganisations who provide business support services to financialadvisers. It will be paid from LV’s management charge and therefore hasno financial impact on the terms provided to you by LV, Skandia or yourfinancial adviser. The payment is up to 0.30% per annum of the value ofyour investments in the funds, eg if your Fund value is £20,000, LV willpay up to £60 per annum. If you wish to know whether this applies to yourinvestment please refer to your financial adviser.*This Fund is not available for the Offshore Collective Investment Bond.

Managed 4,6,10 Inc OEIC 2ndRet

Yes 1.50 2.26 0.50 2.90 GB00B3TYQ276

ThreadneedleManaged Portfolio 4(Acc)


HSBC BankPlc (D)

To achieve long term capital growth and income generation by investingprimarily through a portfolio of equity and fixed interest exposure usingcollective investments mainly operated by other fund managers. The fundmay also obtain an exposure to property. In respect of investments intothe LV Managed Portfolio 4, LV will make additional payments, based onthe value of holdings, to certain organisations who provide businesssupport services to financial advisers. It will be paid from LV’smanagement charge and therefore has no financial impact on the termsprovided to you by LV, Skandia or your financial adviser. The payment isup to 0.30% per annum of the value of your investments in the funds, egif your Fund value is £20,000, LV will pay up to £60 per annum. If youwish to know whether this applies to your investment please refer to yourfinancial adviser.*This Fund is not available for the Offshore Collective Investment Bond.

Managed 4,6,10 Acc OEIC 2ndRet

Yes 1.50 2.32 0.50 3.00 GB00B63S5072



HSBC BankPlc (D)

To achieve long term capital growth with some income generation byinvesting primarily in global stock markets using collective investmentsmainly operated by other fund managers with flexibility to gain exposureto fixed interest investments and property. In respect of investments intothe LV Managed Portfolio 5, LV will make additional payments, based onthe value of holdings, to certain organisations who provide businesssupport services to financial advisers. It will be paid from LV’smanagement charge and therefore has no financial impact on the termsprovided to you by LV, Skandia or your financial adviser. The payment isup to 0.30% per annum of the value of your investments in the funds, egif your Fund value is £20,000, LV will pay up to £60 per annum. If youwish to know whether this applies to your investment please refer to yourfinancial adviser.*This Fund is not available for the Offshore Collective Investment Bond.


Yes 1.50 2.26 0.50 2.90 GB00B63S5189

Fu

nd

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Fu

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ager

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(T

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(D

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ion

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(£10

,200

wit

ho

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inve

sto

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ISIN

(IN

C/A

CC

)



HSBC BankPlc (D)

To achieve long term capital growth by investing primarily in global stockmarkets using collective investments mainly operated by other fundmanagers with flexibility to gain a minority exposure to fixed interestinvestments and property. In respect of investments into the LV ManagedPortfolio 6, LV will make additional payments, based on the value ofholdings, to certain organisations who provide business support servicesto financial advisers. It will be paid from LV’s management charge andtherefore has no financial impact on the terms provided to you by LV,Skandia or your financial adviser. The payment is up to 0.30% per annumof the value of your investments in the funds, eg if your Fund value is£20,000, LV will pay up to £60 per annum. If you wish to know whetherthis applies to your investment please refer to your financial adviser.*This Fund is not available for the Offshore Collective Investment Bond.


Yes 1.50 2.49 0.50 3.10 GB00B63S5296



HSBC BankPlc (D)

To achieve significant long term capital growth by investing principally inglobal stock markets using collective investments mainly operated byother fund managers. In respect of investments into the LV ManagedPortfolio 7, LV will make additional payments, based on the value ofholdings, to certain organisations who provide business support servicesto financial advisers. It will be paid from LV’s management charge andtherefore has no financial impact on the terms provided to you by LV,Skandia or your financial adviser. The payment is up to 0.30% per annumof the value of your investments in the funds, eg if your Fund value is£20,000, LV will pay up to £60 per annum. If you wish to know whetherthis applies to your investment please refer to your financial adviser.*This Fund is not available for the Offshore Collective Investment Bond.

Managed 2,4,6,10

Acc OEIC 2ndRet

Yes 1.50 2.15 0.50 2.80 GB00B63S5304

Threadneedle MonthlyExtra Income (Inc)



To achieve a high level of monthly income with prospects for capitalgrowth. The portfolio will invest primarily in sterling denominated fixedinterest securities and UK equities.

UK Equity 6,11 Inc OEIC 1 Yes 1.25 1.40 0.35 2.00 GB0008370826

Threadneedle PanEuropean Growth(Acc)



To achieve capital growth. The Fund will invest primarily in the equity oflarge companies domiciled in Continental Europe or the UK or withsignificant Continental European or UK activities. The Fund may howeverfurther invest in the equity of smaller companies.

Gbl Spec 4,12 Acc OEIC 1 Yes 1.50 1.72 0.50 2.30 GB0008371238

Threadneedle SterlingBond (Inc)



To achieve total return primarily by way of income with some capitalgrowth. The Fund will invest primarily in UK Government securities,agencies, sovereigns and supranational borrowers, denominated insterling.

UK Fixed 6,11 Inc OEIC 1 Yes 1.00 1.20 0.35 1.80 GB0002703642

ThreadneedleStrategic Bond (Inc)



To achieve total return principally by way of income. Income will be paidmonthly. The Fund will primarily invest the assets directly or indirectly inUK and European debt securities.

UK Fixed 4,5,6,7,11

Inc OEIC 1 Yes 1.25 1.44 0.35 2.00 GB0031022378

Threadneedle UK(Inc)



To achieve capital growth by investing principally in equities of companiesdomiciled in the UK or which have significant UK operations. If desirable,the Fund may further invest in other securities (including fixed interestsecurities, other equities and money market securities).


Fu

nd

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(D

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(£10

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ISIN

(IN

C/A

CC

)

Threadneedle UKAbsolute Alpha (Acc)



To achieve an absolute return, irrespective of market conditions, over thelong term by principally investing in equity securities, or equity relatedderivatives, of corporate issuers headquartered in the United Kingdom (orcorporate issuers who exercise a predominate part of their activity in theUnited Kingdom), fixed interest securities cash, or money marketinstruments. *The Annual Management Charge for this fund includes anallowance for a performance-related fee, for further information please goto the rear of this document.

UK Equity 1,4,6,7,11,12,14

Acc OEIC 1 Yes 3.09 3.27 0.50 4.00 GB00B518L045

Threadneedle UKCorporate Bond (Inc)



To achieve a high level of income from a portfolio of primarily fixedinterest investments in the UK and Continental Europe.

UK Fixed 4,6 Inc OEIC 1 Yes 0.75 0.94 0.35 1.50 GB0031109738

Threadneedle UKEquity Income (Inc)



To achieve an above-average rate of income combined with soundprospects for capital growth. The Fund will invest primarily in UK equities.It may, however, invest in other securities, such as convertibles and gilts.


Threadneedle UKGrowth & Income(Inc)



To provide long-term capital growth, together with a reasonable andgrowing income, through investing primarily in blue chip' large capitalizedUK companies, but including, when deemed appropriate, small andmedium-sized companies, predominantly from the UK.


Threadneedle UKInstitutional (Acc)



To achieve long-term capital growth by investing in a wide spread ofprimarily UK companies which are considered to have good potential forcapital growth. Investment will tend to focus on large companies withsound long-term prospects.

UK Equity n/a Acc OEIC 1 Yes 1.50 1.68 0.50 2.30 GB0031833394

Threadneedle UK Mid250 (Acc)



To achieve capital growth from a portfolio of UK 'mid cap' equities byinvesting primarily in a selection of medium sized companies which areconstituents of the FTSE 250 (ex Investment Trusts) Index. *This Fund isnot available for the Offshore Collective Investment Bond

UK Equity 4,6,12 Acc OEIC 1 Yes 1.50 1.64 0.50 2.20 GB0033547604

Threadneedle UKMonthly Income (Inc)



To achieve an above-average income combined with sound prospects forcapital growth. The Fund will primarily invest in UK equities but, wheresuitable opportunities arise, the portfolio may include other securities,such as convertibles and gilts. Income will be paid monthly.


Threadneedle UKProperty (Inc/Acc)



To obtain a total return based on income and capital appreciationprimarily through investment in certain kinds of real estate, property-related securities, government and public securities and units in collectiveinvestment schemes.*The Total Expense Ratio for this fund includes allowance for a PropertyExpense Ratio, for further information please go to the rear of thisdocument.

Property 4,10,11

Inc/Acc

UT 1 Yes 1.50 1.92 0.50 2.50 GB00B1QGTF68/GB00B1Q1SR62

Threadneedle UKSelect (Inc)



To achieve above-average capital growth through investing in aconcentrated, actively managed portfolio. The Select investmentapproach means that the Fund has the flexibility to take significant stockand sector positions which may lead to increased levels of volatility.


Threadneedle UKSmaller Companies(Inc)



To achieve capital growth by investing primarily in the equities of smallercompanies that are domiciled in the UK or have significant UK operations.


Fu

nd

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ager

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(T

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(D

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C

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(T

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ISIN

(IN

C/A

CC

)

TM Darwin MultiAsset (Inc/Acc)

Thesis Unit TrustManagement Limited,Exchange Building, StJohn's Street,Chichester, WestSussex, PO19 1UP

The RoyalBank ofScotland (T)

The objective of the fund is to preserve and grow capital. The overallobjective shall be pursued through diversified investment, both in theUnited Kingdom and overseas. *This Fund is only available inaccumulation units for the Onshore Collective Investment Bond & theOffshore Collective Investment Bond.

Managed 2,4,6,7,12

Inc/Acc

UT N/A Yes 1.50 1.74 0.50 2.40 GB00B5WN7Z51 /GB00B60VQ061

Troy Trojan (Inc/Acc) Troy AssetManagement LimitedAuthorised CorporateDirector: CapitaFinancial ManagersLimited - 17Rochester Row,Westminster, London,SW1P 1QT


To achieve growth in capital and income in real terms over the longerterm. The Fund’s policy is to invest substantially in UK and overseasequities and fixed interest securities, but it may also invest in collectiveinvestment schemes and money market instruments.*This Fund has a permanent 0.50% levy applied by the fund manager.


OEIC I Yes 1.50 1.54 0.50 2.10 GB00B05KY469/GB00B05KY352

Troy Trojan Capital(Inc/Acc)

Troy AssetManagement LimitedAuthorised CorporateDirector: CapitaFinancial ManagersLimited - 17Rochester Row,Westminster, London,SW1P 1QT


To provide capital growth over the longer term. The Fund's policy is toinvest substantially in UK and overseas equities but may also invest incollective investment schemes and money market instruments.*This Fundis not available for the Offshore Collective Investment Bond & is onlyavailable in accumulation units for the Onshore Collective InvestmentBond. *This Fund has a permanent 0.50% levy applied by the fundmanager.

Managed 4, 6 Inc/Acc

OEIC I Yes 1.50 1.62 0.50 2.30 GB00B0ZJKW30 /GB00B0ZJNL30

Troy Trojan Income(Inc/Acc)

Troy AssetManagement LimitedAuthorised CorporateDirector: CapitaFinancial ManagersLimited - 17Rochester Row,Westminster, London,SW1P 1QT


To provide an above-average income with the potential for capital growthin the medium term. The Fund’s policy is to invest substantially in UK andoverseas equities and fixed interest securities, but it may also invest incollective investment schemes and money market instruments.*This Fund has a permanent 0.50% levy applied by the fund manager.

UK Equity 4,5,6,11

Inc/Acc

OEIC I Yes 1.50 1.56 0.50 2.20 GB00B05K0Q07/GB00B05K0N75

UBS AsianConsumption (Acc)

UBS Global AssetManagement FundsLimited - 21 LombardStreet, London EC3V9AH


To seek to achieve long term capital appreciation predominantly throughinvestment inequities in the Asian region, excluding Japan. *This Fund is not availablefor the Offshore Collective Investment Bond.

Far East 2,3,4,6,12

Acc OEIC A Yes 1.50 1.73 0.50 2.30 GB00B5LK9841

UBS Asian Equity(Acc)



To seek to achieve long-term capital appreciation predominantly throughinvestment in equities in the Asian region, excluding Japan.

Far East 2,4,6 Acc OEIC A Yes 1.50 1.70 0.50 2.30 GB00B00SW855

UBS EmergingMarkets EquityIncome (Inc/Acc)



To seek to generate income and achieve some long-term capitalappreciation predominantly through active management of a diversifiedportfolio invested in equity securities across global emerging markets.*This Fund is not available for the Offshore Collective Investment Bond.

Emer Mkt 2,3,4,6,11,12

Inc/Acc

OEIC A Yes 1.50 1.83 0.50 2.40 GB00B5W93T93/GB00B5LPBN84

UBS European Equity(Acc)



To seek to achieve long-term capital appreciation predominantly throughinvestment in Continental European equities.

European 3,4,6 Acc OEIC A Yes 1.50 1.63 0.50 2.20 GB00B00SV881

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UBS Global Allocation(UK) (Acc)



To aim to achieve long-term capital growth through active management ofa diversified portfolio invested primarily in domestic and internationalequities and bonds and in units in UK and overseas regulated collectiveinvestment schemes.

Managed 2,4,5,6,7

Acc OEIC A Yes 1.50 1.60 0.50 2.20 GB00B24GTG66

UBS GlobalDiversified (Acc)



To seek to achieve long-term capital growth through active managementof a diversified portfolio predominantly invested in securities andderivatives that give the most efficient exposures to domestic andinternational equities and bonds and alternatives, including, but notlimited to, property, hedge funds and commodities.*This Fund is not available for the Offshore Collective Investment Bond.

Managed 2,4,5,6,7,12

Acc OEIC A Yes 0.90 1.07 0.25 1.60 GB00B5T5DR86

UBS Global EmergingMarkets Equity (Acc)



To aim to achieve long-term capital growth through actively manageddiversified investment primarily in global emerging security markets.

Emer Mkt 2,4,6 Acc OEIC A Yes 1.50 1.67 0.50 2.30 GB0031098634

UBS Global Optimal(Acc)



To aim to achieve long-term capital growth through active management ofa diversified portfolio invested primarily in overseas securities.


UBS Multi-AssetIncome (Inc/Acc)



To provide an income, through a diversified portfolio of investments.Capital growth will not be a primary consideration, although opportunitiesfor growth may occur if market conditions are favourable. *This Fund isnot available for the Offshore Collective Investment Bond & is onlyavailable in accumulation units for the Onshore Collective InvestmentBond.

Managed 4,5,6,7,11

Inc/Acc

OEIC A Yes 1.25 1.61 0.50 2.20 GB00B4V91K05 /GB00B4S2TV98

UBS UK EquityIncome (Inc/Acc)



To seek to generate income and achieve long-term capital growththrough active management of a diversified portfolio invested primarily inUK equities.


OEIC A Yes 1.50 1.62 0.50 2.20 GB0031616039/GB0031615841

UBS UK Opportunities(Acc)



To aim to achieve long-term capital growth through active management ofa diversified portfolio invested primarily in UK equities.


UBS UK SmallerCompanies (Acc)



To aim to achieve long-term capital growth through active management ofa diversified portfolio invested primarily in UK smaller companies equities.


UBS US Equity (Acc) UBS Global AssetManagement FundsLimited - 21 LombardStreet, London EC3V9AH


To aim to achieve long-term capital growth through active management ofa diversified portfolio invested primarily in US equities.


UBS US Growth (Acc) UBS Global AssetManagement FundsLimited - 21 LombardStreet, London EC3V9AH


To seek to achieve long term capital growth primarily through investmentin US equities with growth characteristics.

Nth Amer 3,4,6 Acc OEIC A Yes 1.50 1.60 0.50 2.20 GB00B3D8MV69

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Unicorn UK Income(Inc)

Unicorn AssetManagement Limited,Preachers Court, TheCharterhouse,Charterhouse Square,London, EC1M 6AU

HSBC BankPlc (D)

To provide a high and rising income from a portfolio of UK equities. Thefund is suitable for investors who are interested in participating in the UKequity market while receiving an income.

UK Equity 3,11,12

Inc OEIC A Yes 1.50 1.60 0.50 2.20 GB00B00Z1S94

Williams de BroeAssetmasterBalanced (Inc)

Williams de BroeAssetmaster FundsPlc - Block One,Harcourt Centre,Harcourt Street,Dublin 2

BNPSecuritiesServicesDublinBranch (D)

To achieve medium- to long-term capital growth.*This Fund is domiciled outside of the UK. This means that rules andregulations made under the Financial Services and Markets Act 2000 ofthe United Kingdom for the protection of investors do not apply to theFund and that the Financial Services Compensation Scheme establishedby the Financial Services Authority may not apply in relation to anyinvestment in the Fund. Additionally, the tax rules for non-UK domiciledfunds are different to those domiciled in the UK. Your financial adviser willbe able to explain how these differences impact you depending on yourindividual circumstances.

Managed 2,4 Inc OEIC SterlingA

Yes 1.50 2.79 0.50 3.50 IE0032903696

Williams de BroeAssetmaster Cautious(Inc)



To achieve long-term returns, by a combination of capital growth andincome generation, without the level of risk generally associated with afully equity-based portfolio.*This Fund is domiciled outside of the UK. This means that rules andregulations made under the Financial Services and Markets Act 2000 ofthe United Kingdom for the protection of investors do not apply to theFund and that the Financial Services Compensation Scheme establishedby the Financial Services Authority may not apply in relation to anyinvestment in the Fund. Additionally, the tax rules for non-UK domiciledfunds are different to those domiciled in the UK. Your financial adviser willbe able to explain how these differences impact you depending on yourindividual circumstances.


Yes 1.50 2.43 0.50 3.10 IE0032903589

Williams de BroeAssetmaster Growth(Inc)



To achieve long-term capital growth.*This Fund is domiciled outside of the UK. This means that rules andregulations made under the Financial Services and Markets Act 2000 ofthe United Kingdom for the protection of investors do not apply to theFund and that the Financial Services Compensation Scheme establishedby the Financial Services Authority may not apply in relation to anyinvestment in the Fund. Additionally, the tax rules for non-UK domiciledfunds are different to those domiciled in the UK. Your financial adviser willbe able to explain how these differences impact you depending on yourindividual circumstances.


Yes 1.50 2.93 0.50 3.60 IE0032903811

Williams de BroeAssetmaster Int'l Gth(Inc)



To achieve long-term capital growth from a managed portfolio ofinternational investment funds.*This Fund is domiciled outside of the UK. This means that rules andregulations made under the Financial Services and Markets Act 2000 ofthe United Kingdom for the protection of investors do not apply to theFund and that the Financial Services Compensation Scheme establishedby the Financial Services Authority may not apply in relation to anyinvestment in the Fund. Additionally, the tax rules for non-UK domiciledfunds are different to those domiciled in the UK. Your financial adviser willbe able to explain how these differences impact you depending on yourindividual circumstances.


Yes 1.50 2.92 0.50 3.60 IE0032903928

Alquity Africa

In addition to the AMC of 1.90% of the Fund’s value, the Fund manager charges a performance-related fee of 20% of the amount by which the Fund’s performance exceeds that of the one year GBP LIBOR (the hurdle). The fee is calculated daily and deducted once a year at the end of July. For full details of the performance-related fee, see the Fund manager’s simplified prospectus at www.alquity.com

The table below illustrates the performance-related fee for three different examples of Fund performance. Note that these are examples only and not forecasts or guarantees.

Performance Performance- Total annualised after AMC related fee @ 20%* Standard AMC fund charge

3.00% 0.22% 1.90% 2.12%

6.00% 0.82% 1.90% 2.72%

9.00% 1.42% 1.90% 3.32%

* These figures assume a one year GBP LIBOR rate of 1.88300% throughout.

The above figures exclude the impact of any expenses which are charged to the Fund.

Aviva UK Absolute Return

To deliver a positive absolute return regardless of the prevailing stock market environment, by taking both long and synthetic short positions. The Fund will primarily invest in equities and equity related securities of companies incorporated, listed or which derive a significant proportion of their revenue from within the UK.

In addition to the AMC of 1.50% of the Fund’s value, the manager of the Fund charges a performance-related fee of 15% of the amount by which the Fund’s performance exceeds that of the High Water Mark (HWM). The fee is calculated daily and deducted quarterly at the end of March, June, September and December. For full details of the performance-related fee, see the Fund manager’s simplified prospectus at www.avivainvestors.com


Performance Performance- Total annualised after AMC related fee @ 15% Standard AMC fund charge

3.00% 0.45% 1.50% 1.95%

6.00% 0.90% 1.50% 2.40%

9.00% 1.35% 1.50% 2.85%


BlackRock European Absolute Alpha

To achieve a positive absolute return for investors. The Fund invests primarily in a portfolio of equities and equity related securities (including derivatives) of companies incorporated or listed in the European Economic Area and Switzerland, although from time to time cash and near cash may be held.

In addition to the AMC of 1.50% of the Fund’s value, the manager of the Fund charges a performance-related fee of 20% of the amount by which the Fund’s performance exceeds that of the three-month GBP LIBOR (the benchmark). The fee is calculated daily and deducted once a year at the end of December. For full details of the performance-related fee, see the Fund manager’s simplified prospectus at www.blackrock.com



3.00% 0.39% 1.50% 1.89%

6.00% 0.99% 1.50% 2.49%

9.00% 1.59% 1.50% 3.09%

* These figures assume a three-month GBP LIBOR rate of 1.06988% throughout.


BlackRock UK Absolute Alpha Fund

To achieve a positive absolute return for investors. The Fund invests primarily in a portfolio of equities and equity-related securities (including derivatives) of companies incorporated or listed in the UK, although from time to time cash and near cash may be held.

In addition to the AMC of 1.50% of the Fund’s value, the manager of the Fund charges a performance-related fee of 20% of the amount by which the Fund’s performance exceeds that of the three-month GBP LIBOR (the hurdle). The fee is calculated daily and deducted once a year at the end of December. For full details of the performance-related fee, see the Fund manager’s simplified prospectus at www.blackrock.com


Performance Performance- Total annualised after AMC related fee @ 20% Standard AMC fund charge

3.00% 0.39% 1.50% 1.89%

6.00% 0.99% 1.50% 2.49%

9.00% 1.59% 1.50% 3.09%



Cazenove UK Absolute Target

In addition to the AMC of 1.25% of the Fund’s value, the Fund manager charges a performance-related fee of 20% of the amount by which the Fund’s performance exceeds that of the High Water Mark (HWM). The fee is calculated daily and deducted once a year at the end of September. For full details of the performance-related fee, see the Fund manager’s simplified prospectus at www.cazenovecapital.com



3.00% 0.60% 1.25% 1.85%

6.00% 1.20% 1.25% 2.45%

9.00% 1.80% 1.25% 3.05%


CF Octopus Absolute UK Equity

In addition to the AMC of 1.50% of the Fund’s value, the Fund manager charges a performance-related fee of 20% of the amount by which the Fund’s performance exceeds that of the three-month GBP LIBOR (the benchmark). The performance-related fee is calculated daily and deducted quarterly at the end of January, April, July and October.

For full details of the performance-related fee, see the Fund manager’s simplified prospectus at www.octopusinvestments.com

The table below illustrates the performance-related fee for three different examples of Fund performance. Note that these are examples and not forecasts or guarantees.


3.00% 0.39% 1.50% 1.89%

6.00% 0.99% 1.50% 2.49%

9.00% 1.59% 1.50% 3.09%


Gartmore Japan Absolute Return

To achieve a positive absolute return over the long-term regardless of market conditions, by taking long and short positions primarily in equities or equity related derivative contracts of companies having their registered offi ce in Japan; and companies that do not have their registered offi ce in Japan but either (i) carry out a predominant proportion of their business activity in these markets, or(ii) are holding companies which predominantly own companies with registered offi ces in Japan.

In addition to the annual management charge of 1.50% of the Fund’s value, the manager of the Fund charges a performance-related fee of 20% of the amount by which the Fund’s performance exceeds that of the Bank of England Base Rate (the hurdle). The fee is calculated daily and deducted quarterly at the end of February, May, August and November. For full details of the performance-related fee, see the Fund manager’s simplifi ed prospectus at www.gartmore.com


Performance Performance- Standard annual Total annualised after AMC related fee @ 20%* management charge (AMC) fund charge

3.00% 0.50% 1.50% 2.00%

6.00% 1.10% 1.50% 2.60%

9.00% 1.70% 1.50% 3.20%

* These fi gures assume a Bank of England Base Rate of 0.50% throughout.

The above fi gures exclude the impact of any expenses which are charged to the Fund.

HSBC GIF Global Macro (hedged)

In addition to the AMC of 1.50% of the Fund’s value, the Fund manager charges a performance-related fee of 20% of the amount by which the Fund’s performance exceeds that of the one month GBP LIBOR rate (the benchmark). The fee is calculated daily and deducted once a year at the end of November.

For full details of the performance-related fee, see the Fund manager’s simplified prospectus at www.assetmanagement.hsbc.com



3.00% 0.45% 1.50% 1.95%

6.00% 1.05% 1.50% 2.55%

9.00% 1.65% 1.50% 3.15%

*These figures assume a one-month GBP LIBOR rate of 0.77444% throughout.


Ignis Absolute Return Government Bond

In addition to the AMC of 1% of the Fund’s value, the Fund manager charges a performance-related fee of 10% of the amount by which the Fund’s performance exceeds that of the Sterling Overnight Interbank Average (SONIA) rate (the hurdle). The fee is calculated daily and deducted once a year at the end of December. For full details of the performance-related fee, see the Fund manager’s simplified prospectus at www.ignisasset.com


Performance Performance- Standard AMC Total annualised after AMC related fee @ 10%* fund charge

3.00% 0.25% 1.00% 1.25%

6.00% 0.55% 1.00% 1.55%

9.00% 0.85% 1.00% 1.85%

* These figures assume a SONIA rate of 0.53% throughout.


Insight Absolute Insight (Ap)

To deliver attractive positive absolute returns in all market conditions. The Fund may also invest, to the extent permitted by the regulations, in ancillary liquid assets (including units in collective investment schemes), permitted money market instruments and, from time to time, cash or near cash may be held.

In addition to the AMC of 1.50% of the Fund’s value, the Fund manager charges a performance-related fee of 10% of the amount by which the Fund’s performance exceeds that of the three-month Sterling LIBOR rate minus 0.125%. The performance-related fee is calculated daily and payable on 31 January.

For full details of the performance-related fee, see the Fund manager’s simplified prospectus at www.insightinvestment.com



3.00% 0.21% 1.50% 1.71%

6.00% 0.51% 1.50% 2.01%

9.00% 0.81% 1.50% 2.31%

* These figures assume a three-month Sterling LIBOR rate of 1.06988% minus 0.125% throughout.


Insight Absolute Insight UK Equity Market Neutral

In addition to the AMC of 1.50% of the Fund’s value, the Fund manager charges a performance-related fee of 10% of the amount by which the Fund’s performance exceeds that of the three-month Sterling LIBOR rate minus 0.125% (the hurdle). The fee is calculated daily and payable annually on 31 January. For full details of the performance-related fee, see the Fund manager’s prospectus at www.insightinvestment.com

The table below illustrates the effect of the performance-related fee of 10% on the annualised fund charge. Note that these are examples only and not forecasts or guarantees.


3.00% 0.21% 1.50% 1.71%

6.00% 0.51% 1.50% 2.01%

9.00% 0.81% 1.50% 2.31%

* These figures assume a three-month Sterling LIBOR rate of 1.06988% minus 0.125% throughout.


Investec Enhanced Natural Resources

To achieve long term capital growth primarily through investment in securities issued by companies around the globe that are expected to benefit from a long-term increase in the prices of commodities and natural resources, and in related derivatives.

In addition to the AMC of 1.50% of the Fund’s value, the manager of the Fund charges a performance-related fee of 20% of the amount by which the Fund’s performance exceeds that of the one-month GBP LIBOR plus 4% (the hurdle). The fee is calculated daily and deducted once a year at the end of September. For full details of the performance-related fee, see the Fund manager’s simplified prospectus at www.Investec.com



3.00% 0.00% 1.50% 1.50%

6.00% 0.25% 1.50% 1.75%

9.00% 0.85% 1.50% 2.35%

* These figures assume a one-month GBP LIBOR rate of 0.76806% (and therefore a hurdle of 4.77%) throughout.


Investec Multi-Asset Protector

Given the complex structure of this Fund you should refer to the Fund manager’s own literature for a more comprehensive explanation of the way in which it works and the investment risks.

The Investec Multi-Asset Protector Fund aims to provide long-term capital growth from a multi-asset portfolio and to deliver protection at 80% of the Fund’s highest share price ever achieved.

The Fund may take investment exposure to global equities, bonds, property, commodities, cash and alternative assets. From time to time, the Fund’s strategy will be to increase its allocation to low-risk, interest-bearing investments which is designed to deliver the 80% protection.

Investors should note that it is intended that the protection feature of 80% of the Fund’s highest ever share price will be provided under a derivative contract with a single counterparty. If the counterparty to the Fund in relation to the derivative designed to ensure the 80% protection level became insolvent or unable to meet its obligations under the derivative contract or where there is no derivative in place, then the Fund will not have the same level of protection and there will be a risk that the price could fall below the 80% level.

There may be periods of time where no derivative contract is in place to support the 80% protection feature (for example where one has ended and a new one is in the process of being negotiated). Where this is the case the Fund will be relying on its asset allocation policy to provide the 80% protection. The derivative contract may be terminated by either party in certain circumstances (including where the Fund holds 100% of the Scheme Property in cash and market conditions are such that it is not appropriate to reinvest in the markets in the reasonably foreseeable future). Should this occur the Authorised Corporate Director (ACD) may not be able to enter into a derivative contract on the same terms or for the same degree of protection and it is likely that the Fund will have to be terminated (or its objective may be changed).

The ACD may, at its discretion, terminate the Fund where it reasonably believes that due to economic or market conditions or for other reasons beyond its control (such as a change in regulation or taxation) its ability to achieve the investment objective or policy is materially impaired and/or such objective or policy is no longer appropriate and/or it is no longer viable to run the Fund or where its continued operation is detrimental to the interest of shareholders. Should such circumstances arise the ACD will only terminate the Fund once it has considered alternative options and has obtained the approval of the FSA in accordance with the Regulations and subject always to its obligations to consider the best interests of shareholders.

Iveagh Wealth

To seek to achieve capital growth through a long term strategic asset allocation framework.

In addition to the AMC of 1.50% of the Fund’s value, the Fund manager charges a performance-related fee of 10% of the amount by which the Fund’s performance exceeds that of the three-month USD Libor rate (the hurdle). The fee is calculated daily and is normally payable in arrears within ten Business Days of the end of each Calculation Period. Each Calculation Period will comprise of a cycle of ten Business Days. Further information on this Fund and its performance-related fee can be found online at www.iveaghwealth.com



3.00% 0.24% 1.50% 1.74%

6.00% 0.54% 1.50% 2.04%

9.00% 0.84% 1.50% 2.34%

* These figures assume a three-month USD LIBOR rate of 0.5810% throughout.


JOHCM Continental European

To seek long-term capital growth by investing in equity securities of companies domiciled or exercising the predominant part their economic activities in Europe, excluding the UK.

In addition to the annual management charge of 1.25% of the Fund’s value, the Fund manager charges a performance-related fee of 15% of the amount by which the Fund’s performance exceeds that of the FTSE Eurotop 300 ex UK Total Return Index (the benchmark). The fee is calculated daily and deducted once a year at the end of December. For full details of the performance-related fee, see the Fund manager’s simplifi ed prospectus at www.johcm.co.uk


Outperformance of Performance-related Standard annual Total annualised the fund compared fee (15% of management charge fund charge with index outperformance (AMC)

-0.50% Nil 1.25% 1.25%

1.50% 0.23% 1.25% 1.48%

3.00% 0.45% 1.25% 1.70%


JOHCM Emerging Markets

In addition to the annual management charge of 1.5% of the Fund’s value, the Fund manager charges a performance-related fee of 15% of the amount by which the Fund’s performance exceeds that of the MSCI Emerging Markets Standard Index (the benchmark). The fee is calculated daily and deducted once a year at the end of December. For full details of the performance-related fee, see the Fund manager’s simplifi ed prospectus at www.johcm.co.uk


Outperformance of Performance-related Standard annual Total annualised the fund compared fee (15% of management charge fund charge with index outperformance) (AMC)

-0.50% Nil 1.50% 1.50%

1.50% 0.23% 1.50% 1.73%

3.00% 0.45% 1.50% 1.95%


JOHCM UK Growth

To seek long-term capital growth by investing in solid, well managed companies domiciled or exercising the predominant part of their economic activities in the UK, capable of generation growth throughout the economic cycle.

In addition to the annual management charge of 1.25% of the Fund’s value, the Fund manager charges a performance-related fee of 15% of the amount by which the Fund’s performance exceeds that of the FTSE All Share Total Return Index (the benchmark). The fee is calculated daily and deducted once a year at the end of December. For full details of the performance-related fee, see the Fund manager’s simplifi ed prospectus at www.johcm.co.uk



-0.50% Nil 1.25% 1.25%

1.50% 0.23% 1.25% 1.48%

3.00% 0.45% 1.25% 1.70%


JOHCM UK Opportunities

To achieve long-term capital appreciation through investment in a concentrated portfolio primarily invested in transferable securities of UK companies.

In addition to the annual management charge of 1.25% of the Fund’s value, the Fund manager charges a performance-related fee of 15% of the amount by which the Fund’s performance exceeds that of the FTSE All Share Total Return Index (the benchmark). The fee is calculated daily and deducted once a year at the end of December. For full details of the performance-related fee, see the Fund manager’s simplifi ed prospectus at www.johcm.co.uk

The table below illustrates the performance-related fee for three different examples of fund performance. Note that these are examples only and not forecasts or guarantees.


-0.50% Nil 1.25% 1.25%

1.50% 0.23% 1.25% 1.48%

3.00% 0.45% 1.25% 1.70%


JPM Highbridge Statistical Market Neutral

To provide a total return in all market environments in excess of the return on short-term instruments, through a market neutral strategy. Derivatives will be used where appropriate, to gain exposure primarily to European US equity securities.

In addition to the AMC of 1.50% of the Fund’s value, the Fund manager charges a performance-related fee of 20% of the amount by which the Fund’s performance exceeds that of the British Bankers’ Association (BAA) LIBOR GBP Overnight Index (the benchmark). The fee is calculated daily and deducted once a year at the end of December. For full details of the performance-related fee, see the Fund manager’s simplified prospectus at www.jpmorganassetmanagement.co.uk



3.00% 0.48% 1.50% 1.98%

6.00% 1.08% 1.50% 2.58%

9.00% 1.68% 1.50% 3.18%

* These figures assume a LIBOR GBP Overnight Index rate of 0.58% throughout.


JPM Income Opportunity

To achieve a return in excess of the benchmark by exploiting investment opportunities in, amongst others, the fixed income and currency markets, using derivative strategies where appropriate.

In addition to the AMC of 1.00% of the Fund’s value, the Fund manager charges a performance-related fee of 20% of the amount by which the Fund’s performance exceeds that of the British Bankers’ Association (BAA) LIBOR GBP Overnight Index (the benchmark). The fee is calculated daily and deducted once a year at the end of December. For full details of the performance-related fee, see the Fund manager’s simplified prospectus at www.jpmorganassetmanagement.co.uk



3.00% 0.48% 1.00% 1.48%

6.00% 1.08% 1.00% 2.08%

9.00% 1.68% 1.00% 2.68%

* These figures assume a LIBOR GBP Overnight Index rate of 0.58% throughout.


Jupiter Absolute Return

To generate an absolute return, independent of market conditions, by investing on a global basis.

In addition to the AMC of 1.25% of the Fund’s value, the Fund manager charges a performance-related fee of 15% of the amount by which the Fund’s performance exceeds that of the three-month GBP LIBOR (the hurdle). The fee is calculated daily and deducted once a year on 31 October. For full details of the performance-related fee, see the Fund manager’s Key Features Document at www.jupiteronline.co.uk



3.00% 0.29% 1.25% 1.54%

6.00% 0.74% 1.25% 1.99%

9.00% 1.19% 1.25% 2.44%

* These figures assume a three-month GBP LIBOR of 1.08406% throughout.


Jupiter International Financial

In addition to the AMC of 1.25% of the underlying Fund’s value, the Fund manager charges a performance-related fee of 15% of the amount by which the Fund’s performance exceeds that of the FTSE All World Financial Index (the hurdle). The performance-related fee is calculated daily and deducted once a year at the end of October.

For full details of the performance-related fee, see the Fund manager’s Unit Trust Key Features Document at www.jupiteronline.co.uk

The table below illustrates the performance-related fee for three different examples of Fund performance. Note that these are examples and not forecasts or guarantees.

Outperformance of the fund compared Performance- Total annualised with index related fee @ 15% Standard AMC fund charge

-0.50% 0.00% 1.25% 1.25%

1.50% 0.23% 1.25% 1.48%

3.00% 0.45% 1.25% 1.70%


L&G Multi Mana¯er Balanced Trust

In addition to the annual management charge of 1.00% of the Fund’s value, the Fund manager charges a performance-related fee of 20% of the amount by which the Fund’s performance exceeds that of the IMA Balanced Managed Sector (the benchmark). The fee is calculated and charged on a daily basis. For full details of the performance-related fee, see the Fund manager’s simplified prospectus at www.legalandgeneral.com


Outperformance Performance- Standard annual of the fund compared related fee (20% of management Total annualised with index outperformance) charge (AMC) fund charge

-0.50% Nil 1.00% 1.00%

1.50% 0.30% 1.00% 1.30%

3.00% 0.60% 1.00% 1.60%


L&G Multi Mana¯er Growth Trust

To achieve long-term capital growth by investing in a wide range of collective investment schemes and pursuing an active asset allocation policy across all countries, currencies and sector representations.

In addition to the annual management charge of 1.00% of the Fund’s value, the Fund manager charges a performance-related fee of 20% of the amount by which the Fund’s performance exceeds that of the IMA Active Managed Sector (the benchmark). The fee is calculated and charged on a daily basis. For full details of the performance-related fee, see the Fund manager’s simplified prospectus at www.legalandgeneral.com



-0.50% Nil 1.00% 1.00%

1.50% 0.30% 1.00% 1.30%

3.00% 0.60% 1.00% 1.60%


L&G Multi Mana¯er Income Trust

In addition to the annual management charge of 1.00% of the Fund’s value, the Fund manager charges a performance-related fee of 20% of the amount by which the Fund’s performance exceeds that of the IMA Cautious Managed Sector (the benchmark). The fee is calculated and charged on a daily basis. For full details of the performance-related fee, see the Fund manager’s simplified prospectus at www.legalandgeneral.com



-0.50% Nil 1.00% 1.00%

1.50% 0.30% 1.00% 1.30%

3.00% 0.60% 1.00% 1.60%


Liontrust European Absolute Return

To achieve a positive absolute return for investors through a portfolio of investments, primarily in equities and equity related securities (including derivatives for investment purposes) of European companies.

In addition to the AMC of 1.50% of the Fund’s value, the Fund manager charges a performance-related fee of 20% of the amount by which the Fund’s performance exceeds that of the three-month GBP LIBOR (the hurdle). The fee is calculated daily and deducted once a year at the end of September. For full details of the performance-related fee, see the Fund manager’s prospectus at www.liontrust.co.uk



3.00% 0.38% 1.50% 1.88%

6.00% 0.98% 1.50% 2.48%

9.00% 1.58% 1.50% 3.08%



Old Mutual Global Equity Absolute Return

To achieve capital appreciation while closely controlling risk. In addition the Fund intends to deliver absolute returns that have a low correlation with equity and bond markets, through a market neutral portfolio of global equity stocks.

In addition to the annual management charge of 1.50% of the Fund’s value, the Fund manager charges a performance-related fee of 20% of the amount by which the Fund’s performance exceeds that of the Bank of England base rate (the hurdle). The fee is calculated daily and deducted twice a year at the end May and November. For full details of the performance-related fee, see the Fund manager’s simplifi ed prospectus at www.omam.co.uk


Performance Performance- Standard annual Total annualised after AMC related fee @ 20%* management charge (AMC) fund charge

3.00% 0.50% 1.50% 2.00%

6.00% 1.10% 1.50% 2.60%

9.00% 1.70% 1.50% 3.20%

* These fi gures assume a Bank of England base rate of 0.50% throughout.


Sarasin AgriSar

The aim of the underlying Fund is to seek to achieve capital appreciation by investing in a global and diversified portfolio of investments which provide exposure to the agricultural sector.

In addition to the AMC of 1.50% of the Fund’s value, the Fund manager charges a performance-related fee of 15% of the amount by which the Fund’s performance exceeds that of the MSCI World Equity Index (the hurdle). The fee is calculated daily and deducted once a year at the end of December. For full details of the performance-related fee, see the Fund manager’s full prospectus at www.sarasin.co.uk


Outperformance of Performance-related the fund compared fee (15% of Total annualised with index outperformance) Standard AMC fund charge

-0.50% Nil 1.50% 1.50%

1.50% 0.23% 1.50% 1.73%

3.00% 0.45% 1.50% 1.95%


Sarasin EquiSar IIID

To seek to achieve a real return to shareholders over the long term. It is intended that the Fund will invest either directly or indirectly in a broad portfolio of global securities that satisfy one or more investment themes that the Authorised Corporate Director expects to be key drivers of corporate profitability and investment performance.

In addition to the AMC of 1.50% of the Fund’s value, the Fund manager charges a performance-related fee of 20% of the amount by which the Fund’s performance exceeds that of the UK Retail Prices Index (RPI) plus 3.50% (the hurdle). The fee is calculated daily and deducted once a year at the end of December. For full details of the performance-related fee, see the Fund manager’s full prospectus at www.sarasin.co.uk



3.00% 0.00% 1.50% 1.50%

6.00% 0.00% 1.50% 1.50%

9.00% 0.14% 1.50% 1.64%

* These figures assume a UK Retail Prices Index of 4.80% (and therefore a hurdle of 8.30% throughout).


SVM UK Absolute Alpha

To achieve positive returns for investors and seek to outperform cash (as measured by the three-month LIBOR rate) over rolling twelve month periods and seek to significantly outperform the three-month LIBOR over the longer term.

In addition to the AMC of 1.50% of the Fund’s value, the Fund manager charges a performance-related fee of 20% of the amount by which the Fund’s performance exceeds that of the three-month GBP LIBOR (the benchmark). The fee is calculated daily and deducted quarterly in January, April, July and October. For full details of the performance-related fee, see the Fund manager’s fund brochure at www.svmonline.co.uk



3.00% 0.38% 1.50% 1.88%

6.00% 0.98% 1.50% 2.48%

9.00% 1.58% 1.50% 3.08%



Thesis Australian Natural Resources

In addition to the annual management charge of 1.00% of the Fund’s value, the Fund manager charges a performance-related fee of 20% of the amount by which the Fund’s performance exceeds that of the S&P ASX 300 Resources Index (the benchmark). The fee is calculated daily and deducted half yearly at the end of January and July. For full details of the performance-related fee, see the Fund manager’s simplified prospectus at www.oceanicasset.com


Outperformance of Performance-related Standard annual Total annualised the fund compared fee (20% of management charge fund charge with index outperformance) (AMC)

-0.50% Nil 1.00% 1.00%

1.50% 0.30% 1.00% 1.30%

3.00% 0.60% 1.00% 1.60%


Threadneedle UK Absolute Alpha

In addition to the AMC of 1.50% of the Fund’s value, the Fund manager charges a performance-related fee of 20% of the amount by which the Fund’s performance exceeds that of the three-month GBP LIBOR (the benchmark). The fee is calculated daily and deducted once a year at the end of December. For full details of the performance-related fee, see the Fund manager’s simplified prospectus at www.threadneedle.co.uk



3.00% 0.39% 1.50% 1.89%

6.00% 0.99% 1.50% 2.49%

9.00% 1.59% 1.50% 3.09%



Property Expense Ratio (PER)For consistency and transparency Skandia always shows the Total Expense Ratio including the Property Expense Ratio (PER). The PER captures all non-recoverable revenue costs associated with the management and operation of the property portfolio. Some fund groups show the PER included and for others it is excluded.

Fund AMC Other Expenses Property Expense Ratio TER

Aviva Investors Asia Pacific Property (Inc) 1.60% 0.55% 0.57% 2.72%

Aviva Investors European Property (Inc) 1.50% 0.85% 0.60% 2.95%

Aviva Investors Property Investment (Inc) 1.25% 0.12% 0.49% 1.86%

Aviva Investors Property Trust (Inc/Acc) 1.25% 0.08% 0.67% 2.00%

F&C UK Property Inc 1.50% 0.79% 0.07% 2.36%

F&C UK Property Acc 1.50% 0.48% 0.07% 2.05%

Henderson UK Property Unit Trust (Inc/Acc) 1.50% 0.19% 0.27% 1.96%

Ignis UK Property (Inc/Acc) 1.50% 0.01% 0.29% 1.80%

L&G UK Property Trust (Inc/Acc) 1.25% 0.20% 0.26% 1.71%

M&G Property Portfolio (Inc) 1.50% 0.18% 0.16% 1.84%

Skandia Property (Inc/Acc) 1.35% 0.42% 0.43% 2.20%

Skandia Property (Signature) (Inc) 1.15% 0.10% 0.43% 1.68%

Standard Life UK Property (Inc/Acc) 1.60% 0.11% 0.61% 2.32%

SWIP Property Trust (Inc/Acc) 1.35% 0.11% 0.22% 1.68%

Threadneedle UK Property (Inc/Acc) 1.50% 0.14% 0.28% 1.92%

Special risk factorsMost types of investment involve some risk. The funds you have chosen to invest in all have specific objectives and associated risks. These differ according to the assets held within them. The risk factor numbers shown against each fund in this document relate to the special risk factors shown below.

Whilst these funds do offer an element of protection for your capital, they are not guaranteed. If the counterparty who is providing the protection should default on their contract, your capital may be at risk. Full details of these arrangements can be found in the Simplified Prospectus of the relevant fund’s manager.

1. Volatility – Investments in the fund tend to be volatile and investors should expect an above-average price increase or decrease.

2. Emerging markets – Investments in emerging markets tend to be volatile and are usually considered to carry a greater degree of risk than investments in established markets. This relates to dealing, settlement and custody practices, the possibility of political or economic instability, and developing legal, fiscal and regulatory structures.

3. Limited share range – The fund invests into a relatively small number of assets, or into individual countries or a specific market sector. Such concentrated portfolios give rise to more risk than where investments are spread across a larger number of assets, countries or market sectors.

4. Currency – The fund is denominated in one currency but may hold assets which are priced in other currencies. The performance of the fund may therefore rise and fall as a result of exchange rate fluctuations.

5. Investing in high-yield bonds – The fund invests in non-investment grade high-yielding bonds. The high yield reflects a higher risk of capital loss through default.

6. Money market – The fund invests in bonds or money market instruments (including deposits with banks or other financial institutions). The yield and/or value of the fund will fluctuate as interest rates change. There is a possibility of default, reducing capital values.

7. Holding derivatives or borrowing to invest – The fund, or some of its underlying assets, may hold derivatives, or borrow to invest (‘gearing’), and the nature of these investments can lead to a higher volatility in the price of the fund. In addition, the fund may have some exposure to credit risk if a provider of derivatives fails to honour their obligation.

8. Ethical funds – The fund does not invest in some companies and sectors of the market for ethical reasons. This screening could result in the fund performing less well than the markets in which it invests.

9. New fund – This is a new fund. If it does not reach a target size outlined by the fund manager, the fund’s investment charges and costs may become a higher proportion of the fund than expected, reducing the value of your investment.

10. Property – The value of property is generally a matter of a valuer’s opinion rather than fact. In addition, property investments may not be readily saleable, which could lead to constraints on your ability to sell or switch from the fund.

11. Charges from capital – Part or all of the fund management charge is levied against the capital of the fund rather than the income, which could reduce the potential for future growth.

12. Liquidity/Smaller companies – Some of the investments in the fund can be difficult to sell at times, which could affect the price of units/shares.

13. Protected funds – These funds aim to provide a level of downside protection along with an opportunity to benefit from a level of market growth. The level of protection, and the way the fund performance is calculated, can vary between funds. As a result, these funds can be subject to downward price movements due to limits on protection, counterparty risk and the liquidity of the underlying assets. Significant falls in the fund price would result in more money being allocated to cash, reducing the potential for future growth. It is important to read the fund manager’s literature for a full explanation of this type of fund and any specific risks.

14. Absolute Return funds – The fund aims to typically deliver absolute (more than zero) returns in each year, although this is not guaranteed. Over the short term it may experience periods of negative returns so the fund may not always achieve this objective.

Protected funds

Cut-off times and dealing pointsInstructions to buy or sell funds are usually processed on the day of receipt and funds are usually bought or sold no later than the day following receipt.

Most of the funds trade once a day at a time known as the dealing point. This is the point up until which the fund manager will accept instructions to trade. We operate a cut-off time prior to the dealing point. Any deals placed before the cut-off time will receive the price at the next dealing point. Deals placed after the cut-off time will receive the price at the subsequent dealing point.

The dealing point for most funds available through the Skandia Investment Solutions platform is 12.00 midday and the cut-off time is 10.35am. However, there are some exceptions – these can be found on the fund information pages of our website at www.skandia.co.uk/funds

Switch instructions received online from your financial adviser through the Skandia Investment Solutions platform will be included in the next available dealing point for that fund.

www.skandia.co.uk

Calls may be monitored and recorded for training purposes and to avoid misunderstandings.

Skandia provides you with access to its investment platform, known as Skandia Investment Solutions. Within this platform you can open an ISA and Collective Investment Account provided by Skandia MultiFUNDS Limited, and a Collective Retirement Account and Collective Investment Bond provided by Skandia MultiFUNDS Assurance Limited.

Skandia MultiFUNDS Limited and Skandia MultiFUNDS Assurance Limited are registered in England & Wales under numbers 1680071 and 4163431 respectively. Registered Office at Skandia House, Portland Terrace, Southampton SO14 7EJ, United Kingdom. Both companies are authorised and regulated by the Financial Services Authority. FSA register numbers 165359 and 207977 respectively. VAT number 386 1301 59.

When printed by Skandia this item is produced on a mixed grade material, which uses a combination of recycled wood or paper fibre from controlled sources and virgin fibre sourced from well managed, sustainable forests.

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