Unit-linked Funds

Important Information

Unit-linked Fund Performance

The value of investments and the income from them can go down as well as up and you may get back less than you invested. Past performance is not a reliable indicator of what might happen in the future. It is important that you regularly review your unit-linked investments to make sure that they fit your needs and that you are comfortable with the level of risk.

Environmental, Social and Governance factors

Environmental, social and governance factors (ESG or sustainability) are integrated into the investment manager’s process.

J.P. Morgan Asset Management (JPMAM) is committed to delivering superior investment performance to its clients worldwide. They believe that explicit incorporation of material Environmental, Social and Governance information in the investment process can help to deliver enhanced, risk-adjusted returns over the long-run. JPMAM have been practicing sustainable investing, in some capacity, for more than 30 years. They became a signatory to the UN PRI in 2007 and are committed to incorporating ESG factors into their investment practices and decisions. JPMAM offer various sustainable investing solutions across asset classes and geographies, and also have an established corporate engagement policy. They expect and encourage the companies in which they invest to demonstrate the highest standards of corporate governance and best business practice. JPMAM examines the share structure and voting structure of the companies in which they invest, as well as the board balance, oversight functions and remuneration policy. These analyses then form the basis of their proxy voting and engagement activity. They manage the voting rights of the shares entrusted to them as they would manage any other asset. It is the policy of JPMAM to vote in a prudent and diligent manner, based exclusively on their reasonable judgement of what will best serve the financial interests of their clients. So far as is practicable, they will vote at all of the meetings called by companies in which they are invested.

We support the incorporation of ESG factors into the investment process by JPMAM.

Financial Advice

If you are unsure about the suitability of an investment you should speak to a Financial Adviser who will inform you of the fee they charge for their service. The information on our website does not constitute investment advice and should not be used as the basis for any investment decision, nor should it be treated as a recommendation for any investment.

Funds

We review our fund range regularly in terms of investment objectives, performance and size to make sure policyholder interests are met. We reserve the right to alter, close or even merge our funds for practical reasons, or to respond to market needs. If this happens, we will give you notice and if necessary, we will ask you to tell us which alternative fund you would like to invest in.