Changes to the Standard Life At Retirement funds

This Fund is designed to be used in the final stage of a lifestyle profile and isn’t suitable as a standalone fund or if you’re building your own portfolio from our full fund range. The lifestyle profile automatically switches you over a ten year period from funds aiming to provide investment growth into other funds that are more appropriate if you plan on taking your pension as one or more lump sums over a relatively short period. 

The Fund will invest through other funds, selected from across the industry. These funds will invest primarily in money market instruments and bonds (loans to a government or a company). It may also invest in other assets such as property, alternatives and other unlisted assets. The funds and the amounts invested in each may change from time to time to ensure we meet the long term aims of the Fund. The investments in these funds can be from around the world, including from emerging markets. 

These funds can use different investment strategies to achieve their aims and could be passively or actively managed. These funds are not restricted to a particular fund manager or investment strategy. These funds can change from time to time without notice, to ensure the fund continues to meet its aim.  

The value of investments within the Fund can fall as well as rise and is not guaranteed – you may get back less than was paid in. The funds may use derivatives for the purpose of efficient portfolio management, reduction of risk or to meet its investment objectives if this is permitted and appropriate. The Sterling value of overseas assets held in the Fund may fall or rise as a result of exchange rate fluctuations. 

This Fund is designed to be used in the final stage of a lifestyle profile and isn’t suitable as a standalone fund or if you’re building your own portfolio from our full fund range. The lifestyle profile automatically switches you over a ten year period from funds aiming to provide investment growth into other funds that are more appropriate if you plan on taking your pension as one or more lump sums over a relatively short period. 

The Fund will invest through other funds, selected from across the industry. These funds will invest primarily in money market instruments and bonds (loans to a government or a company). It may also invest in other assets such as property, alternatives and other unlisted assets. The funds and the amounts invested in each may change from time to time to ensure we meet the long term aims of the Fund. The investments in these funds can be from around the world, including from emerging markets. 

These funds can use different investment strategies to achieve their aims and could be passively or actively managed. These funds are not restricted to a particular fund manager or investment strategy. These funds can change from time to time without notice, to ensure the fund continues to meet its aim.  

Some of these funds may use strategies that take into account responsible investment issues which could impact investment performance and may exclude certain types of company that don’t meet specific responsible investing criteria. Further details can be found on www.standardlife.co.uk/investments/guides/responsible-investing. 

The value of investments within the Fund can fall as well as rise and is not guaranteed – you may get back less than was paid in. The funds may use derivatives for the purpose of efficient portfolio management, reduction of risk or to meet its investment objectives if this is permitted and appropriate. The Sterling value of overseas assets held in the Fund may fall or rise as a result of exchange rate fluctuations. 

This Fund was previously named the Standard Life At Retirement (Active Plus Lump Sum) Pension Fund. It is designed to be used in the final stage of a lifestyle profile and isn’t suitable as a standalone fund or if you’re building your own portfolio from our full fund range. The lifestyle profile automatically switches you over a ten-year period from funds aiming to provide investment growth into other funds that are more appropriate if you plan on taking your pension as one or more lump sums over a relatively short period. 

The Fund will invest through other funds, selected from across the industry. These funds will invest primarily in money market instruments and bonds (loans to a government or a company). It may also invest in other assets such as property, alternatives and other unlisted assets. The funds and the amounts invested in each may change from time to time to ensure we meet the long-term aims of the Fund. The investments in these funds can be from around the world, including from emerging markets. 

These funds can use different investment strategies to achieve their aims and could be passively or actively managed. These funds are not restricted to a particular fund manager or investment strategy. These funds can change from time to time without notice, to ensure the fund continues to meet its aim.  

The value of investments within the Fund can fall as well as rise and is not guaranteed – you may get back less than was paid in. The funds may use derivatives for the purpose of efficient portfolio management, reduction of risk or to meet its investment objectives if this is permitted and appropriate. The Sterling value of overseas assets held in the Fund may fall or rise as a result of exchange rate fluctuations. 

This Fund was previously named the Standard Life At Retirement (Active Plus Lump Sum) Pension Fund. It is designed to be used in the final stage of a lifestyle profile and isn’t suitable as a standalone fund or if you’re building your own portfolio from our full fund range. The lifestyle profile automatically switches you over a ten-year period from funds aiming to provide investment growth into other funds that are more appropriate if you plan on taking your pension as one or more lump sums over a relatively short period. 

The Fund will invest through other funds, selected from across the industry. These funds will invest primarily in money market instruments and bonds (loans to a government or a company). It may also invest in other assets such as property, alternatives and other unlisted assets. The funds and the amounts invested in each may change from time to time to ensure we meet the long term aims of the Fund. The investments in these funds can be from around the world, including from emerging markets. 

These funds can use different investment strategies to achieve their aims and could be passively or actively managed. These funds are not restricted to a particular fund manager or investment strategy. These funds can change from time to time without notice, to ensure the fund continues to meet its aim.  

Some of these funds may use strategies that take into account responsible investment issues which could impact investment performance and may exclude certain types of company that don’t meet specific responsible investing criteria. Further details can be found on www.standardlife.co.uk/investments/guides/responsible-investing. 

The value of investments within the Fund can fall as well as rise and is not guaranteed – you may get back less than was paid in. The funds may use derivatives for the purpose of efficient portfolio management, reduction of risk or to meet its investment objectives if this is permitted and appropriate. The Sterling value of overseas assets held in the Fund may fall or rise as a result of exchange rate fluctuations. 

This Fund was previously named the Standard Life At Retirement (Passive Plus Lump Sum) Pension Fund. It is designed to be used in the final stage of a lifestyle profile and isn’t suitable as a standalone fund or if you’re building your own portfolio from our full fund range. The lifestyle profile automatically switches you over a ten year period from funds aiming to provide investment growth into other funds that are more appropriate if you plan on taking your pension as one or more lump sums over a relatively short period. 

The Fund will invest through other funds, selected from across the industry. These funds will invest primarily in money market instruments and bonds (loans to a government or a company). It may also invest in other assets such as property, alternatives and other unlisted assets. The funds and the amounts invested in each may change from time to time to ensure we meet the long-term aims of the Fund. The investments in these funds can be from around the world, including from emerging markets. 

These funds can use different investment strategies to achieve their aims and could be passively or actively managed. These funds are not restricted to a particular fund manager or investment strategy. These funds can change from time to time without notice, to ensure the fund continues to meet its aim.  

The value of investments within the Fund can fall as well as rise and is not guaranteed – you may get back less than was paid in. The funds may use derivatives for the purpose of efficient portfolio management, reduction of risk or to meet its investment objectives if this is permitted and appropriate. The Sterling value of overseas assets held in the Fund may fall or rise as a result of exchange rate fluctuations. 

This Fund was previously named the Standard Life At Retirement (Passive Plus Lump Sum) Pension Fund. It is designed to be used in the final stage of a lifestyle profile and isn’t suitable as a standalone fund or if you’re building your own portfolio from our full fund range. The lifestyle profile automatically switches you over a ten year period from funds aiming to provide investment growth into other funds that are more appropriate if you plan on taking your pension as one or more lump sums over a relatively short period. 

The Fund will invest through other funds, selected from across the industry. These funds will invest primarily in money market instruments and bonds (loans to a government or a company). It may also invest in other assets such as property, alternatives and other unlisted assets. The funds and the amounts invested in each may change from time to time to ensure we meet the long term aims of the Fund. The investments in these funds can be from around the world, including from emerging markets. 

These funds can use different investment strategies to achieve their aims and could be passively or actively managed. These funds are not restricted to a particular fund manager or investment strategy. These funds can change from time to time without notice, to ensure the fund continues to meet its aim.  

Some of these funds may use strategies that take into account responsible investment issues which could impact investment performance and may exclude certain types of company that don’t meet specific responsible investing criteria. Further details can be found on www.standardlife.co.uk/investments/guides/responsible-investing. 

The value of investments within the Fund can fall as well as rise and is not guaranteed – you may get back less than was paid in. The funds may use derivatives for the purpose of efficient portfolio management, reduction of risk or to meet its investment objectives if this is permitted and appropriate. The Sterling value of overseas assets held in the Fund may fall or rise as a result of exchange rate fluctuations. 

This Fund is designed to be used in the final stage of a lifestyle profile and isn’t suitable as a standalone fund or if you’re building your own portfolio from our full fund range. The lifestyle profile automatically switches you from funds aiming to provide investment growth into other funds that are more appropriate if you plan on taking your pension as one or more lump sums over a relatively short period of time. 

The Fund is part of the Future Advantage range, which aims to deliver long-term growth through a risk-managed investment approach. 

The Fund will invest through other funds, selected from across the industry. These funds will invest primarily in bonds (loans to a government or a company) and money market instruments. It may also invest in other assets such as property, alternatives and other unlisted assets. The funds and the amounts invested in each may change from time to time to ensure we meet the long term aims of the Fund. The investments in these funds can be from around the world, including from emerging markets. 

These funds can use different investment strategies to achieve their aims and could be passively or actively managed. These funds are not restricted to a particular fund manager or investment strategy. These funds can change from time to time without notice, to ensure the fund continues to meet its aim.  

The value of investments within the Fund can fall as well as rise and is not guaranteed – you may get back less than was paid in. The funds may use derivatives for the purpose of efficient portfolio management, reduction of risk or to meet its investment objectives if this is permitted and appropriate. The Sterling value of overseas assets held in the Fund may fall or rise as a result of exchange rate fluctuations. 

This Fund is designed to be used in the final stage of a lifestyle profile and isn’t suitable as a standalone fund or if you’re building your own portfolio from our full fund range. The lifestyle profile automatically switches you from funds aiming to provide investment growth into other funds that are more appropriate if you plan on taking your pension as one or more lump sums over a relatively short period of time. 

The Fund is part of the Future Advantage range, which aims to deliver long-term growth through a risk-managed investment approach. 

The Fund will invest through other funds, selected from across the industry. These funds will invest primarily in bonds (loans to a government or a company) and money market instruments. It may also invest in other assets such as property, alternatives and other unlisted assets. The funds and the amounts invested in each may change from time to time to ensure we meet the long term aims of the Fund. The investments in these funds can be from around the world, including from emerging markets. 

These funds can use different investment strategies to achieve their aims and could be passively or actively managed. These funds are not restricted to a particular fund manager or investment strategy. These funds can change from time to time without notice, to ensure the fund continues to meet its aim.  

Some of these funds may use strategies that take into account responsible investment issues which could impact investment performance and may exclude certain types of company that don’t meet specific responsible investing criteria. Further details can be found on www.standardlife.co.uk/investments/guides/responsible-investing. 

The value of investments within the Fund can fall as well as rise and is not guaranteed – you may get back less than was paid in. The funds may use derivatives for the purpose of efficient portfolio management, reduction of risk or to meet its investment objectives if this is permitted and appropriate. The Sterling value of overseas assets held in the Fund may fall or rise as a result of exchange rate fluctuations. 

This Fund is designed to be used in the final stage of a lifestyle profile and isn’t suitable as a standalone fund or if you’re building your own portfolio from our full fund range. The lifestyle profile automatically switches you from funds aiming to provide investment growth into other funds that are more appropriate if you plan on taking your pension as one or more lump sums over a relatively short period. 

The Fund will invest through other funds, selected from across the industry. These funds will invest primarily in money market instruments and bonds (loans to a government or a company). It may also invest in other assets such as property, alternatives and other unlisted assets. The funds and the amounts invested in each may change from time to time to ensure we meet the long term aims of the Fund. The investments in these funds can be from around the world, including from emerging markets. 

These funds can use different investment strategies to achieve their aims and could be passively or actively managed. These funds are not restricted to a particular fund manager or investment strategy. These funds can change from time to time without notice, to ensure the fund continues to meet its aim.  

The value of investments within the Fund can fall as well as rise and is not guaranteed – you may get back less than was paid in. The funds may use derivatives for the purpose of efficient portfolio management, reduction of risk or to meet its investment objectives if this is permitted and appropriate. The Sterling value of overseas assets held in the Fund may fall or rise as a result of exchange rate fluctuations. 

This Fund is designed to be used in the final stage of a lifestyle profile and isn’t suitable as a standalone fund or if you’re building your own portfolio from our full fund range. The lifestyle profile automatically switches you from funds aiming to provide investment growth into other funds that are more appropriate if you plan on taking your pension as one or more lump sums over a relatively short period. 

The Fund will invest through other funds, selected from across the industry. These funds will invest primarily in money market instruments and bonds (loans to a government or a company). It may also invest in other assets such as property, alternatives and other unlisted assets. The funds and the amounts invested in each may change from time to time to ensure we meet the long term aims of the Fund. The investments in these funds can be from around the world, including from emerging markets. 

These funds can use different investment strategies to achieve their aims and could be passively or actively managed. These funds are not restricted to a particular fund manager or investment strategy. These funds can change from time to time without notice, to ensure the fund continues to meet its aim.  

Some of these funds may use strategies that take into account responsible investment issues which could impact investment performance and may exclude certain types of company that don’t meet specific responsible investing criteria. Further details can be found on www.standardlife.co.uk/investments/guides/responsible-investing. 

The value of investments within the Fund can fall as well as rise and is not guaranteed – you may get back less than was paid in. The funds may use derivatives for the purpose of efficient portfolio management, reduction of risk or to meet its investment objectives if this is permitted and appropriate. The Sterling value of overseas assets held in the Fund may fall or rise as a result of exchange rate fluctuations.