Retirement Investments Insurance Health Retirement Investments Insurance Health Retirement Investments Insurance Health Retirement Investments Insurance Health Your Investment Options For investment choice, you’re safe in the hands of Aviva Your investment options We are Aviva Helping our customers save for the future and manage the risks of everyday life. When it comes to building the best financial future for you and your family, you may have some big questions: How can I sustain my Will I be able to When will I be income in retirement? provide for my able to retire? children’s education? When can I buy my Will I outlive my Have I enough first home? savings? saved to help me cope with the unexpected? Could my money be working harder than it is in the bank? Whatever your reasons for investing, helping you achieve your financial goals is at the heart of everything we do. We want to help you make the most of your money with investment funds that work as hard as you do. You can be confident that when you choose Aviva you’re with the right people. We’re part of the Aviva Group, a leading global financial services company with 320 years experience protecting our customers. Today, we focus on making the lives of our 33 million customers better1. We offer you access to a range of investment funds from award winning, world class fund managers. Through our range of funds you can be as hands on as you like in building your portfolio with our ‘Managed by You’ range of funds, or you can opt for our ready-made ‘Managed for You’ funds. We are confident that our approach will enable you to find the solution that best meets your needs. 1. Source: All figures sourced from Aviva Annual Accounts 2017. 2 Your investment options Helping you make the right choice Choosing the right funds depends on the amount of risk you are willing to take, how long you want to invest for, and the amount of control you want over what you invest in. We recognise that investing isn’t always simple, so in this booklet we aim to make your investment decision easier by explaining the funds in straightforward language so you understand their key benefits and key risks. Combined with the experience of your financial broker this booklet can help you make the right decision about the mix of investments to choose to best suit your circumstances. The technical terms used in this brochure are explained in the brochure and/or in the glossary at the back. 3 reasons to invest with Aviva 4 Our Managed by You funds 30 World class fund partners 8 Cash Fund 32 Your fund choices at a glance 10 Bond Fund 34 Risk rating, annual management charges and availability 11 Long Bond Fund 34 Corporate Bond Fund 34 Our Managed for You range of funds 12 L&G Euro Bond Index Fund 35 Our Multi-Asset Fund Range 13 Irish Property Fund 36 Our Aviva Investors’ Multi-Asset Fund (MAFs) range UK Property Fund 37 MAF Cautious (Risk 3) 15 High Yield Equity Fund 38 MAF Strategic (Risk 4) 15 Asia Pacific Equity Income Fund 38 MAF Dynamic (Risk 5) 15 Emerging Market Equity Income Fund 39 Our Legal and General (L&G) Multi-Index Fund range Eurozone Equity Income Fund 39 L&G Multi-Index III Fund 19 L&G World Equity Index Fund 40 L&G Multi-Index IV Fund 19 L&G Europe (excl. UK) Index Fund 40 L&G Multi-Index V Fund 19 L&G Emerging Markets Equity Index Fund 40 Our Merrion Investment Managers Multi-Asset Fund range Understanding risk 42 Merrion Multi-Asset 30 Fund 21 Understanding our risk ratings 43 Merrion Multi-Asset 50 Fund 21 We’re committed to quality service 44 Merrion Multi-Asset 70 Fund 21 Important notes on investing 45 Our AIMS Fund Range 24 Next steps 47 AIMS Target Return Fund (Ireland) 25 Glossary 48 AIMS Target Income Fund (Ireland) 27 3 3 reasons to invest 3 reasons to choose Aviva 1. Cost-effective investment options We offer you simple and competitive savings, investment and pension products. 2. Funds from award winning, world-class managers We believe we offer funds from some of the best Fund Managers in the world who have won multiple awards for their expertise, track record and innovation. With operations spanning a range of countries and asset classes worldwide, Aviva Investors and Legal & General Investment Management (LGIM) bring you the benefits of global scale and expertise. Merrion Investment Managers brings you the benefits of local expertise. 5 3. Choice and flexibility Two ways to invest Managed FOR You Managed BY You A simpler way to invest You’re in control Our range of ready-made funds that focus on delivering the Build and monitor your own portfolio by selecting funds outcomes that matter most to you, whether that’s targeting from our full range. You have a choice of funds across asset risk, targeting income or targeting return. classes and risk profiles with active and passive choices. 4 We make it easy We make it easy You don’t need to be a financial expert to invest: Managed by world-class fund managers, our Managed for You funds are a range of ready-made funds focused on delivering specific investment outcomes. See pages 12-29 for more details. You can start investing from as little as €100 a month with our Regular Saver product and Personal and Executive pension. We have easy access options: With our easy access options on Investment Bond and Regular Saver products you can access your money without early encashment charges. Our tools make it simple and fast: Sometimes even knowing where to start can be difficult when investing. We have lots of helpful tools on www.aviva.ie to allow you and your financial broker to make the right investment decisions for you. When you do take out an Aviva savings, investments or pensions product you can keep track of your policy’s performance and holdings. Aviva online You can access your policy information online through our new customer online offering “Aviva Online”. With Aviva Online, you can: • see the current value of your policy • see the funds you’re invested in • see how much money you have invested in each fund • access our online customer calculators 5 Your investment options How do I get started? In order to sign up for Aviva Online, you will need to provide us with your email address. Shortly after your new policy is up and running, you’ll receive an email asking if you’d like to activate your online account. To ensure you receive this invitation, please include your email address when completing your application form. If you have an existing policy with us you can contact the Customer Service Centre on 1890 64 64 64 to see if your policy is eligible for online access and to update your email address. Further product information is available in the Life & Pensions section of www.aviva.ie. Our fund centre In our fund centre you can: • view daily fund prices and performance • download regular fund factsheets highlighting where your fund is invested and how it’s performing • chart the performance of your funds Our fund centre can be accessed at www.aviva.ie. 6 Your investment options Our risk profiler Before investing you need to decide how comfortable you are with investment risk and the level of risk you’re willing and able to take with your own money. Our risk profiler may help you with this. Of course we’d recommend you speak with your financial broker before making any financial decisions. Our risk profiler can be found on www.aviva.ie. 7 You’re in good hands World class fund managers Aviva Investors We offer a range of funds to choose from with our main investment manager Aviva Investors, the global asset management company of the Aviva Group. With a presence in 17 locations and an experienced team of over 1,500 employees, they manage €388 billion on behalf of customers worldwide 1. This gives them the size and scale to successfully seek out opportunities that allow them to meet the specific outcomes customers value such as delivering reliable fund growth or providing a regular income. They value creativity and empower their investment teams to find and execute great ideas. In-depth research and robust risk management underpin every investment decision they make. 1. Source: Aviva Investors 30 September 2018, based on exchange rates as at 30 September 2018. Legal & General Investment Management (LGIM) Legal & General Investment Management (LGIM) is the investment management arm of Legal & General Group (L&G), a FTSE 100 company, with a heritage dating back to 1836. LGIM, now established for over 40 years, is one of Europe’s largest asset managers 2 and a major global investor, with total assets of over €1.1 trillion 3. LGIM works with a wide range of global clients, including pension schemes, sovereign wealth funds, fund distributors and retail investors. It provides investment expertise across the full spectrum of asset classes including fixed income, equities, multi-asset, commercial property and cash. 2. Source: IPE 2018. 3. Source: LGIM internal data as at 30 June 2018. These figures include assets managed by LGIMA, an SEC Registered Investment Advisor. Data includes derivative positions. Merrion Investment Managers Merrion Investment Managers, originally established in 1986 and now forming part of Cantor Fitzgerald, is the Number 1 performing global multi-asset fund manager in the Irish market since its inception over 20 years ago4.