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A short-term investment fund designed to provide the security of knowing that your investment value will not fall from day to day. The fund is not designed as a long-term shelter for your money but as a temporary home should you wish to reduce your risk to the lowest possible choice available from Scottish Friendly.
The fund invests in a deposit or range of deposits selected by Scottish Friendly and the value is further guaranteed by Scottish Friendly not to fall, no matter what happens to interest rates or the underlying deposits.
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Low expected risk and return
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A guarantee from Scottish Friendly that the amount you invest in the fund will not fall over any period of time.
A short term home for your money if you wish to remove risk from your investment during periods of market instability or whilst you select an appropriate fund(s) to invest in.
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The growth potential on the fund is likely to be small due to the effect of charges and the low risk profile of the fund.
The fund is not a suitable long-term investment due to its low growth rate potential.
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Designed to invest in bonds issued by the UK Government.
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Low expected risk and return
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An investment linked to an index of bonds issued by the UK Government.
Give your money the growth potential and security of long-term bonds issued by the UK Government.
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Your cash-in value can rise and fall on a daily basis and you could get back less than you have paid in.
Your funds performance will mainly depend on the credit worthiness of the UK Government and the movement in long-term interest rates, which can raise and lower the value of bonds held in the fund.
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Unitised With-Profits fund
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A mixed managed fund from Scottish Friendly where premiums are pooled with those of other clients and returns are linked to the performance of the underlying assets within the fund.
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Low expected risk and return
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An investment linked to a cautiously managed portfolio of stock market, property, cash and bond assets.
Provided you haven't made any withdrawals or switched out of the fund, if you cash in only on the 10th anniversary of your continuous investment in the Unitised With-Profits fund you will receive a guaranteed cash sum of at least as much as you have invested.
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When you cash in, switch out or take a withdrawal from the Unitised With-Profits fund you will receive a value which is in line with the performance of the assets within the fund. This is done by adding a final bonus or deducting a market value reduction.
No market value reduction can apply on the 10-year anniversary of your continuous investment in the Unitised With-Profits fund, which provides your guaranteed value.
Continuous investment means you have maintained at least one full unit in the Unitised With-Profits fund and is measured from the first day you invest.
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Aims to achieve long-term growth from a mixed investment, and tends to focus on those assets with historically lower levels of risk and expected return.
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Low expected risk and return
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A lower risk and reward investment linked to a managed basket of assets with emphasis on safer assets such as bonds and cash.
Greater longer-term growth potential than a cash based investment.
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Your cash-in value can rise and fall on a daily basis and you could get back less than you have paid in.
Whilst the Lower fund contains an element of risk it is lower than that of the Higher or Medium funds. This means that the fund is likely to experience a lesser level of price rises and falls than the Higher or Medium funds.
The actual risk and return of the Lower fund will depend on Scottish Friendly’s ability to efficiently allocate investments to meet the risk profile of the fund.
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International Company Bond fund
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Designed to invest in bonds issued by companies throughout the world.
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Medium expected risk and return
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An investment linked to a portfolio of bonds issued by companies throughout the world, selected by an expert fund manager.
Give your money the growth potential and security of long-term bonds issued by companies throughout the world.
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Your cash-in value can rise and fall on a daily basis and you could get back less than you have paid in.
Your funds performance will depend on the credit-worthiness of the company bonds purchased by the fund manager, the movement in long-term interest rates and the movement in currency exchange rates.
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Aims to achieve long-term growth from a mixed investment. It's likely to produce a level of potential risk and return which lies between the Higher and Lower funds.
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Medium expected risk and return
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An investment linked to a managed basket of assets, which tends to favour assets such as the stock market, which have greater levels of potential risk and return.
Greater longer term growth potential than a cash based investment and better potential then the Lower fund but less than that of the Higher fund.
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Your cash-in value can rise and fall on a daily basis and you could get back less than you have paid in.
The fund contains a greater level of risk than the Lower fund but less than the Higher fund. This means that the Medium fund is likely to experience greater levels of price rises and falls than the Lower fund.
The actual risk and return of the fund will depend on Scottish Friendly’s ability to efficiently allocate investments to meet the risk profile of the fund.
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Aims to achieve long-term growth from a mixed investment. It's likely to produce a higher but more volatile potential return than the Medium fund or the Lower fund.
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Higher expected risk and return
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A higher risk and reward investment linked to a managed basket of assets with emphasis on higher long term expected return assets such as the stock market.
Higher longer-term growth potential than a cash based investment and better potential than the Medium fund or Lower fund.
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Your cash-in value can rise and fall on a daily basis and you could get back less than you have paid in.
The fund contains a higher degree of risk than an investment in the Medium or Lower funds, which means that it is likely to experience greater price, rises and falls than the Medium or Lower funds.
The actual risk and return of the fund will depend on Scottish Friendly’s ability to efficiently allocate investments to meet the risk profile of the fund.
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Designed to closely track the performance of the UK stock market.
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Higher expected risk and return
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An investment linked to an index of the UK stock market. It is designed to link to well known high street brands and companies listed in the UK.
Give your money the long-term growth potential of the UK stock market.
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Your cash-in value can rise and fall on a daily basis and you could get back less than you have paid in.
The funds performance will be mainly dependent on the movement in the UK stock market.
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Designed to invest in shares of companies listed in the UK. The manager of the underlying fund will pick a mix of stocks they believe will outperform the UK stock market and sell those they believe will underperform.
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Higher expected risk and return
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An investment linked to an actively managed investment in UK stocks and shares.
Give your money the long-term growth potential of the UK stock market, where stocks and shares are selected by an expert fund manager who will aim to outperform the market.
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Your cash-in value can rise and fall on a daily basis and you could get back less than you have paid in.
Your funds performance will largely depend on the movement in the UK stock market but will also be dependent on the ability of the fund manager to select stocks and shares that grow.
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International Ethical fund
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Designed to invest in shares of global companies that have been assessed to meet ethical criteria.
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Higher expected risk and return
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An investment linked to an index that includes global companies but minimal, if any, direct exposure to non-renewable energy, adult entertainment, alcohol, gambling, tobacco or weapons and companies that do not meet the UN Global Compact Principles.
Give your money access to the long-term growth potential of ethical global growth potential.
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Your cash-in value can rise and fall on a daily basis and you could get back less than you have paid in.
Your fund’s performance will depend mainly on the movement in global stock markets but also on the specific value of the qualifying stocks and shares contained within the fund. Also, as a fund which is linked to international stocks and shares your return will also be exposed to movements in the currency markets.
The fund’s ethical criteria does not reduce the investment risk associated with this form of investment.
Your own views on ethical investing may change over time and therefore this fund may no longer meet your own personal views of ethical investing.
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