Standard Life Pensions One With-Profits Fund

Standard Life Pensions One With-Profits Fund
One of the principles of with-profits is that bonuses are smoothed. This means that when investment returns are high, some of that return is held back to enable bonuses to be maintained at a higher level when investment returns are negative or low. However, there is a limit as to how long the smoothing policy can be maintained if the value of investments falls significantly over a sustained period of time.

This unitised with-profits fund invests in a wide spread of UK and overseas shares, property holdings and fixed interest stocks. Bonuses are paid, usually in February, according to current investment conditions. When benefits are paid a terminal bonus in respect of returns and profits not already taken into account may be paid. It should be remembered that the terminal bonus is not guaranteed and the amount may fluctuate and even be reduced to zero

Charges are not taken directly from the fund but are taken account of before any bonuses are paid.

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