Guarantees

Aviva's Guaranteed Selection offers you three routes to growth potential

Whether your approach to investing is cautious, or if you are willing to accept some risk, we are confident that our three carefully balanced funds have something to offer you.

Guaranteed 80 – going for growth

Guaranteed 80 offers the highest level of potential returns, with a potential loss of up to 20% of your original investment.

On the fifth anniversary of your investment, Guaranteed 80 will guarantee a return of 80% of your original investment. At all other times the value of your investment can go up and down and you may not get back what you invested if you withdraw your money.

Guaranteed 90 – balancing risk and reward

Guaranteed 90 balances growth with a potential loss of up to 10% of your original investment.

On the fifth anniversary of your investment, Guaranteed 90 will guarantee a return of 90% of your original investment. At all other times the value of your investment can go up and down and you may not get back what you invested if you withdraw your money.

Guaranteed 100 – promising protection

Guaranteed 100 is the new name for the Aviva Guaranteed Fund which has been operating since 1995. Guaranteed 100 offers 100% guarantee on your original investment.

In relation to the other two funds in the Guaranteed Selection, Guaranteed 100 offers investors the strongest guarantee and is designed to achieve steady growth over five years.

On the fifth anniversary of your investment, Guaranteed 100 will guarantee a return of 100% of your original investment. At all other times the value of your investment can go up and down and you may not get back what you invested if you withdraw your money.

Key benefits

The funds within the Guaranteed Selection offer differing levels of growth potential and guarantees on the initial investment.

They all offer:

• A guaranteed payment on the fifth anniversary – of either 80%, 90% or 100% of the initial investment
• Growth potential by investing a differing percentage of each fund in equities or property
• A lower level of risk than 100% investment directly in equities
• Expert investment management by experienced Aviva fund managers

You may also want to consider:

• The guarantee only applies on the fifth anniversary. At all other times during the five year period, the value of the investment can go down as well as up and you may not get back the amount you invested if you withdraw your money.
• Your withdrawals will reduce the guarantee in proportion to the number of units cancelled, not the cash amount withdrawn.
• There are charges for managing your investment, and an additional charge is made to provide the guaranteed element of the Guaranteed Selection.
• The guaranteed element of each fund may result in lower growth potential than is offered by a direct investment in some asset types such as equities.
• Deposit savings accounts offer less risk of losing money, and with many accounts you can access your money at any time.
• Investors should always consider paying off existing debts before choosing to invest in any fund of this type and investors should also consider investing tax-efficiently where possible.
• These funds are available by investing in Portfolio, Aviva's lump sum investment bond where the minimum investment is £5000.

At the fifth anniversary, only 80% or 90% of the original investment is guaranteed in the Guaranteed 80 and Guaranteed 90 fund, which means you may get back less than you paid in.

An option to suit your personal investment outlook

We understand that every investor has different personal priorities and circumstances and these influence and shape their investment approach. The Guaranteed Selection offers you three options which enable you to select the risk and reward balance that suits your personal financial goals for the next five years.

If you think one of our guaranteed funds may be suitable for you, please talk to your financial adviser.

WC02201 01/2012