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Choosing your funds
Currently over 90 funds to choose from
Our Flexible Options Bond offers a wide range of funds. Together with your Financial Adviser you can choose the funds which best meet your investment objectives. We currently offer a choice of over 90 investment funds for your Flexible Options Bond, and you can invest in up to ten of these at any one time.
More about our funds
You can choose from a wide range of investment funds, including:
- A wide range of funds managed by Scottish Widows Investment Partnership
- A select group of externally managed funds
- Two separate with-profits funds, individually designed for income (through regular withdrawals) or growth
- Multi-Manager funds which give you access to the investment expertise of Russell Investment Group
Some restrictions may apply to switches into and out of certain funds. There's currently no charge for up to 12 free switches in any one policy year. If you choose to take withdrawals the value of your Bond will reduce. The withdrawals taken may be greater than any growth achieved.
There may be restrictions on the amount you can invest in certain funds. Please contact us for details of any restrictions that apply. We may change the selection of funds that we make available.
Please note that if you invest in a unit-linked investment fund, the value of your Bond can fall as well as rise depending on investment performance (and currency exchange rates where a fund invests overseas). This type of investment does not offer any guarantees.
If you invest in a with-profits fund, the value of your Bond can fall as well as rise. For example, we can apply Market Value Reductions. You can find out more details in the relevant With-Profits guide(s).
Where can I see more information about these funds?
You can see summaries of all the funds we offer along with details of past performance on this fund information website.
Charges, limits and terms can change. Full terms and conditions are available from us on request. Please Contact us for further information.
Multi Manager Funds
Our range of funds benefits from the combined strength and experience in Multi-Manager investing of Scottish Widows Investment Partnership and Russell Investments. It allows a Multi-Manager approach to UK and international equity investment as a single strategy or as part of a diversified portfolio.
These funds diversify across multiple managers and different investment approaches to market capitalisation, sector and style. They allow investors to take a Multi-Manager approach to UK and international equity investment with the flexibility to adopt a high concentration of equities in their portfolio.
SWIP has overall responsibility for the performance and objectives of the funds.
SWIP then delegates to Russell:
- Fund manager research and selection
- Day-to-day management of the funds
SWIP and Russell meet quarterly to review the performance of the funds and the fund managers comprising the funds.
Russell Investment Group were the pioneer of the Multi-Manager approach. They are a world leader in the field and have been using multi-manager investment strategies since the 1960s.
By investing in Scottish Widows Multi-Manager Portfolio/Multi-Manager Equity Funds, you could benefit from the skills of the Russell Investment Group who:
- Has over £100 billion in assets under management.
- Have been researching investment managers for over 40 years.
- Have 132 manager research professionals
- Conduct 17 manager research meetings a day on average.
Source: Russell Investment Group, end December 2008.
