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Risk/Reward

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Wealth Warning

The value of your investment can fall as well as rise, regardless of which investment option you choose. Past performance is not a guide to future performance.

The Euro value of overseas assets can rise and fall as a result of exchange rate fluctuations.

In line with other product providers, charges may be altered in the future.

The returns from investment linked funds are directly linked to the performance of the assets in which the funds are invested.

The asset mix of each fund is continuously reviewed and may be changed in line with developments in relevant markets.

In exceptional circumstances, a request to change funds or surrender benefits may be deferred for up to one month, or one year for the Standard Life Property Fund.

Given that assets within the Individual Investment Solutions can be illiquid in nature, switches can be completed, or benefits can be paid, only when the assets have been sold, Standard Life receives the proceeds and all related expenses have been paid. Some assets take longer to sell than others and therefore the delay in making the switch or paying the benefits could be considerable.