How our With-Profit Fund has performed
You can view the annual performance of our With-Profit Sub Funds in our Information Sheet below.
Old & New With-Profits Sub Funds
With-Profits Sub Fund
Provident Mutual Sub Fund
Stakeholder With-Profits Sub Fund
If you don’t know which sub fund you are invested in please follow the ‘What type of product do you have?’ decision tree in Guide to your fund – including Principles and Practices of Financial Management.
To find the fund fact sheet relevant to your product, you can access the fund centre and type in the fund name as it appears on your annual statement.
In order to be able to find the correct documents for your policy, you will need your annual statement to hand to help guide you through it.
A reassuring track record
These figures only show what’s happened in the past – they’re not a guide to how the fund will perform in the future. Future returns could be more or less than those we’ve shown.
|Aviva With-Profits Bond
Invested since 1 July 2011
|% change in value in each of the last five years|
|01/07/2015 - 01/07/2016||2.49%|
|01/07/2014 - 01/07/2015||7.34%|
|01/07/2013 - 01/07/2014||6.09%|
|01/07/2012 - 01/07/2013||7.03%|
|01/07/2011 - 01/07/2012||3.15%|
The table above shows the year-on-year percentage change in cash-in value based on a £50,000 investment into our Select Investment bond on 1 July 2011 and includes all product charges, bonuses and any market value reductions. These figures only show what has happened in the past – they’re not a guide to how the fund will perform in the future. Returns are not guaranteed and may go up or down depending on investment conditions. You may get back less than the amount which you invested.
We’ve used the Select Investment bond because that is our current investment bond open to new investments. Whilst this product was only launched on the 17 September 2012, you would be investing in the same With-Profit Fund that has been available for a number of years. The returns shown are what investors would have received if Select Investment had been available since 1 July 2011.
Aviva With-Profit bond – With smoothing we keep back some of the returns the With-Profit Fund earns in good investment years and use them to help pay bonuses in poor investment years (losses made in poor investment years may also reduce returns in good years).
The graph below also shows how the returns from our with-profit bond compare to the FTSE® 100. The values are after tax and include all product charges.
Please note: these figures only show what’s happened in the past and don’t indicate how the Fund will perform in the future.
Aviva with-profit bond - With smoothing we keep back some of the returns the With-Profit Fund earns in good investment years and use them to help pay bonuses in poor investment years. (Losses made in poor investment years may also reduce returns in the good years).
The graph shows that the value of a with-profits investment is not guaranteed and may go up or down depending on investment conditions. You may not get back the amount you invested.
We've based the graph on an investment of £50,000 in our Portfolio Bond on 1 July 1993. It includes any early exit charges or market value reductions. The graph shows the returns through to 1 July 2016. The performance shown does not include any distribution of extra assets from the With-Profit Fund.
This graph is simply to show you how an investment in our With-Profit Fund fared over the years. We've used the Portfolio Bond because it's our bond with the longest performance history. With-profits is intended to be a long-term investment. The Portfolio Bond is no longer open to new investments. If you would like to invest in the With-Profit Fund through a bond, you can do so through our current investment bond, Select Investment which launched on 17 September 2012.
The performance for Select Investment will be different to that shown in this graph. Select Investment invests in the same With-Profit Fund, but has lower charges than the Portfolio Bond, which affects the returns you'll get.
FTSE® 100* - volatile returns from investments made purely in shares.
(Source: Lipper IM, a Thomson Reuters Company, £50,000 investment from April 1993 to 1 April 2016).
* FTSE International Limited (“FTSE”) © FTSE . FTSE® is a trade mark of the London Stock Exchange Group companies and is used by FTSE under licence. All rights in the FTSE indices and / or FTSE ratings vest in FTSE and/or its licensors. Neither FTSE nor its licensors accept any liability for any errors or omissions in the FTSE indices and / or FTSE ratings or underlying data. No further distribution of FTSE Data is permitted without FTSE’s express written consent.