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With-Profits

Customers that have with-profits can find out more about how their investment works

With-Profits investments are no longer available to new customers and many have valuable guarantees. You will lose any guarantee that you have if you cash in your With-Profits investment early, including transfer, make an investment switch or surrender of your plan.

If you’re a With-Profits investor, you can find out more about your investment below:

Information on how your With-Profits investment works, including:

  • Definition of a With-Profits Investment;
  • Risks involved with With-Profits investment;
  • Details of guarantees;
  • Calculation of annual bonus rates;
  • Final bonus rates;
  • The smoothing process.

With-Profits fund factsheets which contain key information, including:

  • Investment guarantees, where applicable, for each fund;
  • Current asset profile;
  • Investment performance;
  • Annual bonus rate history;
  • Current final bonus rates and market value reductions;
  • New Generation With-Profits expected growth rates.

Documentation relating to how your With-Profits investment is managed, including:

  • Principles and Practices of Financial Management (PPFM);
  • Consumer friendly versions of the PPFM (CFPPFMs);
  • Annual report to With-Profits investors;
  • With-Profits Committee Terms of Reference (ToR).