understanding our life and pension ... - old mutual … · issued by old mutual wealth ... of...

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OMW Aberdeen Multi Manager Cautious Managed FUND AIM The OMW Aberdeen Multi-Manager Cautious Managed Portfolio Fund invests solely in the Aberdeen Multi-Manager Cautious Managed Portfolio Fund, a sub fund of Aberdeen Multi-Manager Portfolio Fund, UK Authorised Unit Trust scheme, managed by Aberdeen Unit Trust Managers Limited. The aim of the underlying fund is to achieve income and capital growth by the adoption of a cautious investment approach. Investment will be primarily in shares or units of collective investment schemes. The underlying fund may be denominated in or hold assets in a currency other than Sterling. The performance of the fund may therefore rise and fall as a result of exchange rate fluctuations. The underlying fund invests in bonds or money market instruments (including deposits with banks or other financial institutions). The yield and/or value of the fund will fluctuate as interest rates change. There is a possibility of default, reducing capital values. It should be noted that the performance of the OMW fund will not match that of the underlying investment due to OMW fund charges, appropriate taxation adjustments and the OMW investment process. Investment Approach - Self Select The Self Select range of funds offers complete choice and flexibility to build a portfolio that matches the individual needs of an investor. This category represents a comprehensive range of investment funds across different investment types and geographical sectors. Self-Select is most suited to investors who feel very comfortable with building and monitoring bespoke portfolios. With access to specialist funds offered by a wide range of high profile asset management companies, this route is for those who prefer to select funds and fund managers themselves with complete control over their own investment strategy. UNDERSTANDING OUR LIFE AND PENSION FUND FACTSHEETS Fund factsheets can often appear confusing and use lots of technical terms. We’ve produced this guide to break down the jargon and make them easier to understand. The first page of the fund factsheet includes basic information about the fund (such as the name, size, objective, risk, and ratings). FUND NAME The name of the fund. FUND AIM The objective of the fund and what it aims to achieve. INVESTMENT APPROACH The investment approach of the fund. This will either be Self Select or Old Mutual Investment Management Limited. LAUNCHED The date the fund was launched. CURRENCY The currency of the fund. FUND ID Old Mutual Wealth’s internal fund code. FUND SIZE The current size of the fund. FUND TYPE The type of product via which the fund can be accessed. SECTOR Funds in the Old Mutual Wealth life and pension ranges are classified within a sector (or category) of similar assets as defined by FE (Financial Express – our fund data provider). INVESTMENT APPROACH The investment approach of the fund. This will either be Self Select or Old Mutual Investment Management Limited FUND GROUP The company responsible for the day-to-day running of the underlying fund. 3YR VOLATILITY The volatility of the fund over the last 3 years. Volatility measures how much the price of the fund moves up and down around its average. The higher the volatility number, the less consistent the historical performance has been. FUND MANAGER INDIVIDUAL The name of the particular fund manager with responsibility for running the fund. FUND MANAGER TENURE The length of time the current fund manager has been managing the fund. OMW Aberdeen Multi Manager Cautious Managed Issued by Old Mutual Wealth Life Assurance Ltd (an incorporated company limited by shares). Registered Number 1363932. Registered Office: Old Mutual House, Portland Terrace, Southampton, SO14 7EJ, UK. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Register number 110462. www.fca.org.uk/register/. FUND AIM The OMW Aberdeen Multi-Manager Cautious Managed Portfolio Fund invests solely in the Aberdeen Multi-Manager Cautious Managed Portfolio Fund, a sub fund of Aberdeen Multi-Manager Portfolio Fund, UK Authorised Unit Trust scheme, managed by Aberdeen Unit Trust Managers Limited. The aim of the underlying fund is to achieve income and capital growth by the adoption of a cautious investment approach. Investment will be primarily in shares or units of collective investment schemes. The underlying fund may be denominated in or hold assets in a currency other than Sterling. The performance of the fund may therefore rise and fall as a result of exchange rate fluctuations. The underlying fund invests in bonds or money market instruments (including deposits with banks or other financial institutions). The yield and/or value of the fund will fluctuate as interest rates change. There is a possibility of default, reducing capital values. It should be noted that the performance of the OMW fund will not match that of the underlying investment due to OMW fund charges, appropriate taxation adjustments and the OMW investment process. Investment Approach - Self Select The Self Select range of funds offers complete choice and flexibility to build a portfolio that matches the individual needs of an investor. This category represents a comprehensive range of investment funds across different investment types and geographical sectors. Self-Select is most suited to investors who feel very comfortable with building and monitoring bespoke portfolios. With access to specialist funds offered by a wide range of high profile asset management companies, this route is for those who prefer to select funds and fund managers themselves with complete control over their own investment strategy. Life fund FUND FACTS Launched: 03/05/2005 Currency: GBP Fund ID: 18050 Fund size: as at 24/04/2016 3.93m Fund type: Life Sector: ABI Mixed Investment 20%-60% Shares Investment approach: Self Select Fund group: Aberdeen 3yr volatility: 5.26 Fund Manager individual: Portfolio Management - Manager Selection Fund Manager tenure: 1 months OLD MUTUAL WEALTH RISK EVALUATOR as at 31/03/2016 Over 1 year Over 3 years Over 5 years The fund risk score is based on historic volatility, as measured by standard deviation of returns, of the fund over the indicated time period. The historic volatility is then translated to the fund risk level which is a whole number ranging from 1(least risky) to 10 (most risky). Fund risk scores provide a retrospective view of a fundʼs volatility, which may vary widely over different time periods, and are not necessarily indicative of a fundʼs future volatility. RATINGS Citywire Manager Rating* Simon Wood Citywire Fund Manager Ratings are based on the risk-adjusted track records of individual fund managers over three years. The Citywire Fund Manager Ratings are based on the performance of the fund manager across all the funds he or she has managed at any point during the last three years - not just the funds they are currently managing. More details at www.citywire.co.uk. Morningstar Analyst Rating* Neutral The Morningstar Analyst Rating™ for funds is the summary expression of our forward-looking analysis of a fund. Morningstar Analyst Ratings are assigned globally on a five-tier scale running from Gold to Negative. The top three ratings, Gold, Silver, and Bronze, all indicate that our analysts think highly of a fund; the difference between them corresponds to differences in the level of analyst conviction in a fundʼs ability to outperform its benchmark and peers through time, within the context of the level of risk taken. The Analyst Rating does not express a view on a given asset class or peer group; rather, it seeks to evaluate each fund within the context of its objective, an appropriate benchmark, and peer group.For more detailed information about Morningstar Rating, including its methodology, please go to: http://corporate.morningstar.com/US/documents/MethodologyDocuments/MethodologyPapers/ MorningstarFundRating_Methodology.pdf * the rating relates to the underlying Unit Trusts or OEIC funds OMW Aberdeen Multi Manager Cautious Managed Issued by Old Mutual Wealth Life Assurance Ltd (an incorporated company limited by shares). Registered Number 1363932. Registered Office: Old Mutual House, Portland Terrace, Southampton, SO14 7EJ, UK. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Register number 110462. www.fca.org.uk/register/. FUND AIM The OMW Aberdeen Multi-Manager Cautious Managed Portfolio Fund invests solely in the Aberdeen Multi-Manager Cautious Managed Portfolio Fund, a sub fund of Aberdeen Multi-Manager Portfolio Fund, UK Authorised Unit Trust scheme, managed by Aberdeen Unit Trust Managers Limited. The aim of the underlying fund is to achieve income and capital growth by the adoption of a cautious investment approach. Investment will be primarily in shares or units of collective investment schemes. The underlying fund may be denominated in or hold assets in a currency other than Sterling. The performance of the fund may therefore rise and fall as a result of exchange rate fluctuations. The underlying fund invests in bonds or money market instruments (including deposits with banks or other financial institutions). The yield and/or value of the fund will fluctuate as interest rates change. There is a possibility of default, reducing capital values. It should be noted that the performance of the OMW fund will not match that of the underlying investment due to OMW fund charges, appropriate taxation adjustments and the OMW investment process. Investment Approach - Self Select The Self Select range of funds offers complete choice and flexibility to build a portfolio that matches the individual needs of an investor. This category represents a comprehensive range of investment funds across different investment types and geographical sectors. Self-Select is most suited to investors who feel very comfortable with building and monitoring bespoke portfolios. With access to specialist funds offered by a wide range of high profile asset management companies, this route is for those who prefer to select funds and fund managers themselves with complete control over their own investment strategy. Life fund FUND FACTS Launched: 03/05/2005 Currency: GBP Fund ID: 18050 Fund size: as at 24/04/2016 3.93m Fund type: Life Sector: ABI Mixed Investment 20%-60% Shares Investment approach: Self Select Fund group: Aberdeen 3yr volatility: 5.26 Fund Manager individual: Portfolio Management - Manager Selection Fund Manager tenure: 1 months OLD MUTUAL WEALTH RISK EVALUATOR as at 31/03/2016 Over 1 year Over 3 years Over 5 years The fund risk score is based on historic volatility, as measured by standard deviation of returns, of the fund over the indicated time period. The historic volatility is then translated to the fund risk level which is a whole number ranging from 1(least risky) to 10 (most risky). Fund risk scores provide a retrospective view of a fundʼs volatility, which may vary widely over different time periods, and are not necessarily indicative of a fundʼs future volatility. RATINGS Citywire Manager Rating* Simon Wood Citywire Fund Manager Ratings are based on the risk-adjusted track records of individual fund managers over three years. The Citywire Fund Manager Ratings are based on the performance of the fund manager across all the funds he or she has managed at any point during the last three years - not just the funds they are currently managing. More details at www.citywire.co.uk. Morningstar Analyst Rating* Neutral The Morningstar Analyst Rating™ for funds is the summary expression of our forward-looking analysis of a fund. Morningstar Analyst Ratings are assigned globally on a five-tier scale running from Gold to Negative. The top three ratings, Gold, Silver, and Bronze, all indicate that our analysts think highly of a fund; the difference between them corresponds to differences in the level of analyst conviction in a fundʼs ability to outperform its benchmark and peers through time, within the context of the level of risk taken. The Analyst Rating does not express a view on a given asset class or peer group; rather, it seeks to evaluate each fund within the context of its objective, an appropriate benchmark, and peer group.For more detailed information about Morningstar Rating, including its methodology, please go to: http://corporate.morningstar.com/US/documents/MethodologyDocuments/MethodologyPapers/ MorningstarFundRating_Methodology.pdf * the rating relates to the underlying Unit Trusts or OEIC funds FUND FACTS Launched: Currency: Fund ID: Fund size: as at 24/04/2016 Fund type: Sector: Investment approach: Fund group: 3yr volatility: Fund Manager individual: Fund Manager tenure:

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Page 1: UNDERSTANDING OUR LIFE AND PENSION ... - Old Mutual … · Issued by Old Mutual Wealth ... of investment funds across different investment types and ... Trusts or OEIC funds UNDERSTANDING

OMW Aberdeen Multi Manager Cautious Managed

Issued by Old Mutual Wealth Life Assurance Ltd (an incorporated company limited by shares). Registered Number 1363932. Registered Office: Old MutualHouse, Portland Terrace, Southampton, SO14 7EJ, UK. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authorityand the Prudential Regulation Authority. Register number 110462. www.fca.org.uk/register/.

FUND AIM

The OMW Aberdeen Multi-Manager Cautious Managed Portfolio Fund invests solely in the Aberdeen Multi-Manager Cautious Managed Portfolio Fund, asub fund of Aberdeen Multi-Manager Portfolio Fund, UK Authorised Unit Trust scheme, managed by Aberdeen Unit Trust Managers Limited.The aim of the underlying fund is to achieve income and capital growth by the adoption of a cautious investment approach. Investment will be primarily inshares or units of collective investment schemes.The underlying fund may be denominated in or hold assets in a currency other than Sterling. The performance of the fund may therefore rise and fall asa result of exchange rate fluctuations.The underlying fund invests in bonds or money market instruments (including deposits with banks or other financial institutions). The yield and/or value ofthe fund will fluctuate as interest rates change. There is a possibility of default, reducing capital values.It should be noted that the performance of the OMW fund will not match that of the underlying investment due to OMW fund charges, appropriatetaxation adjustments and the OMW investment process.

Investment Approach - Self SelectThe Self Select range of funds offers complete choice and flexibility to build a portfolio that matches the individual needs of an investor.This category represents a comprehensive range of investment funds across different investment types and geographical sectors. Self-Select is mostsuited to investors who feel very comfortable with building and monitoring bespoke portfolios. With access to specialist funds offered by a wide range ofhigh profile asset management companies, this route is for those who prefer to select funds and fund managers themselves with complete control overtheir own investment strategy.

Life fundFUND FACTS

Launched: 03/05/2005Currency: GBPFund ID: 18050Fund size: as at 24/04/2016 3.93mFund type: LifeSector: ABI Mixed Investment 20%-60%

SharesInvestment approach: Self SelectFund group: Aberdeen3yr volatility: 5.26Fund Manager individual: Portfolio Management - Manager

SelectionFund Manager tenure: 1 months

OLD MUTUAL WEALTH RISK EVALUATOR as at 31/03/2016

Over 1 year

Over 3 years

Over 5 years

The fund risk score is based on historic volatility, as measured bystandard deviation of returns, of the fund over the indicated timeperiod. The historic volatility is then translated to the fund risk levelwhich is a whole number ranging from 1(least risky) to 10 (most risky).Fund risk scores provide a retrospective view of a fundʼs volatility,which may vary widely over different time periods, and are notnecessarily indicative of a fundʼs future volatility.

RATINGS

Citywire ManagerRating*

Simon Wood

Citywire Fund Manager Ratings are based on the risk-adjusted track records of individual fund managersover three years. The Citywire Fund Manager Ratings are based on the performance of the fund manageracross all the funds he or she has managed at any point during the last three years - not just the funds theyare currently managing. More details at www.citywire.co.uk.

MorningstarAnalyst Rating*

Neutral

The Morningstar Analyst Rating™ for funds is the summary expression of our forward-looking analysis of afund. Morningstar Analyst Ratings are assigned globally on a five-tier scale running from Gold to Negative.The top three ratings, Gold, Silver, and Bronze, all indicate that our analysts think highly of a fund; thedifference between them corresponds to differences in the level of analyst conviction in a fundʼs ability tooutperform its benchmark and peers through time, within the context of the level of risk taken. The AnalystRating does not express a view on a given asset class or peer group; rather, it seeks to evaluate each fundwithin the context of its objective, an appropriate benchmark, and peer group.For more detailed informationabout Morningstar Rating, including its methodology, please go to:http://corporate.morningstar.com/US/documents/MethodologyDocuments/MethodologyPapers/MorningstarFundRating_Methodology.pdf

* the rating relates to the underlying Unit Trusts or OEIC funds

UNDERSTANDING OUR LIFE AND PENSION FUND FACTSHEETSFund factsheets can often appear confusing and use lots of technical terms. We’ve produced this guide to break down the jargon and make them easier to understand.

The first page of the fund factsheet includes basic information about the fund (such as the name, size, objective, risk, and ratings).

FUND NAMEThe name of the fund.

FUND AIMThe objective of the fund and what it aims to achieve.

INVESTMENT APPROACHThe investment approach of the fund. This will either be Self Select or Old Mutual Investment Management Limited.

LAUNCHEDThe date the fund was launched.

CURRENCYThe currency of the fund.

FUND IDOld Mutual Wealth’s internal fund code.

FUND SIZEThe current size of the fund.

FUND TYPEThe type of product via which the fund can be accessed.

SECTORFunds in the Old Mutual Wealth life and pension ranges are classified within a sector (or category) of similar assets as defined by FE (Financial Express – our fund data provider).

INVESTMENT APPROACHThe investment approach of the fund. This will either be Self Select or Old Mutual Investment Management Limited

FUND GROUPThe company responsible for the day-to-day running of the underlying fund.

3YR VOLATILITYThe volatility of the fund over the last 3 years. Volatility measures how much the price of the fund moves up and down around its average. The higher the volatility number, the less consistent the historical performance has been.

FUND MANAGER INDIVIDUALThe name of the particular fund manager with responsibility for running the fund.

FUND MANAGER TENUREThe length of time the current fund manager has been managing the fund.

OMW Aberdeen Multi Manager Cautious Managed

Issued by Old Mutual Wealth Life Assurance Ltd (an incorporated company limited by shares). Registered Number 1363932. Registered Office: Old MutualHouse, Portland Terrace, Southampton, SO14 7EJ, UK. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authorityand the Prudential Regulation Authority. Register number 110462. www.fca.org.uk/register/.

FUND AIM

The OMW Aberdeen Multi-Manager Cautious Managed Portfolio Fund invests solely in the Aberdeen Multi-Manager Cautious Managed Portfolio Fund, asub fund of Aberdeen Multi-Manager Portfolio Fund, UK Authorised Unit Trust scheme, managed by Aberdeen Unit Trust Managers Limited.The aim of the underlying fund is to achieve income and capital growth by the adoption of a cautious investment approach. Investment will be primarily inshares or units of collective investment schemes.The underlying fund may be denominated in or hold assets in a currency other than Sterling. The performance of the fund may therefore rise and fall asa result of exchange rate fluctuations.The underlying fund invests in bonds or money market instruments (including deposits with banks or other financial institutions). The yield and/or value ofthe fund will fluctuate as interest rates change. There is a possibility of default, reducing capital values.It should be noted that the performance of the OMW fund will not match that of the underlying investment due to OMW fund charges, appropriatetaxation adjustments and the OMW investment process.

Investment Approach - Self SelectThe Self Select range of funds offers complete choice and flexibility to build a portfolio that matches the individual needs of an investor.This category represents a comprehensive range of investment funds across different investment types and geographical sectors. Self-Select is mostsuited to investors who feel very comfortable with building and monitoring bespoke portfolios. With access to specialist funds offered by a wide range ofhigh profile asset management companies, this route is for those who prefer to select funds and fund managers themselves with complete control overtheir own investment strategy.

Life fundFUND FACTS

Launched: 03/05/2005Currency: GBPFund ID: 18050Fund size: as at 24/04/2016 3.93mFund type: LifeSector: ABI Mixed Investment 20%-60%

SharesInvestment approach: Self SelectFund group: Aberdeen3yr volatility: 5.26Fund Manager individual: Portfolio Management - Manager

SelectionFund Manager tenure: 1 months

OLD MUTUAL WEALTH RISK EVALUATOR as at 31/03/2016

Over 1 year

Over 3 years

Over 5 years

The fund risk score is based on historic volatility, as measured bystandard deviation of returns, of the fund over the indicated timeperiod. The historic volatility is then translated to the fund risk levelwhich is a whole number ranging from 1(least risky) to 10 (most risky).Fund risk scores provide a retrospective view of a fundʼs volatility,which may vary widely over different time periods, and are notnecessarily indicative of a fundʼs future volatility.

RATINGS

Citywire ManagerRating*

Simon Wood

Citywire Fund Manager Ratings are based on the risk-adjusted track records of individual fund managersover three years. The Citywire Fund Manager Ratings are based on the performance of the fund manageracross all the funds he or she has managed at any point during the last three years - not just the funds theyare currently managing. More details at www.citywire.co.uk.

MorningstarAnalyst Rating*

Neutral

The Morningstar Analyst Rating™ for funds is the summary expression of our forward-looking analysis of afund. Morningstar Analyst Ratings are assigned globally on a five-tier scale running from Gold to Negative.The top three ratings, Gold, Silver, and Bronze, all indicate that our analysts think highly of a fund; thedifference between them corresponds to differences in the level of analyst conviction in a fundʼs ability tooutperform its benchmark and peers through time, within the context of the level of risk taken. The AnalystRating does not express a view on a given asset class or peer group; rather, it seeks to evaluate each fundwithin the context of its objective, an appropriate benchmark, and peer group.For more detailed informationabout Morningstar Rating, including its methodology, please go to:http://corporate.morningstar.com/US/documents/MethodologyDocuments/MethodologyPapers/MorningstarFundRating_Methodology.pdf

* the rating relates to the underlying Unit Trusts or OEIC funds

OMW Aberdeen Multi Manager Cautious Managed

Issued by Old Mutual Wealth Life Assurance Ltd (an incorporated company limited by shares). Registered Number 1363932. Registered Office: Old MutualHouse, Portland Terrace, Southampton, SO14 7EJ, UK. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authorityand the Prudential Regulation Authority. Register number 110462. www.fca.org.uk/register/.

FUND AIM

The OMW Aberdeen Multi-Manager Cautious Managed Portfolio Fund invests solely in the Aberdeen Multi-Manager Cautious Managed Portfolio Fund, asub fund of Aberdeen Multi-Manager Portfolio Fund, UK Authorised Unit Trust scheme, managed by Aberdeen Unit Trust Managers Limited.The aim of the underlying fund is to achieve income and capital growth by the adoption of a cautious investment approach. Investment will be primarily inshares or units of collective investment schemes.The underlying fund may be denominated in or hold assets in a currency other than Sterling. The performance of the fund may therefore rise and fall asa result of exchange rate fluctuations.The underlying fund invests in bonds or money market instruments (including deposits with banks or other financial institutions). The yield and/or value ofthe fund will fluctuate as interest rates change. There is a possibility of default, reducing capital values.It should be noted that the performance of the OMW fund will not match that of the underlying investment due to OMW fund charges, appropriatetaxation adjustments and the OMW investment process.

Investment Approach - Self SelectThe Self Select range of funds offers complete choice and flexibility to build a portfolio that matches the individual needs of an investor.This category represents a comprehensive range of investment funds across different investment types and geographical sectors. Self-Select is mostsuited to investors who feel very comfortable with building and monitoring bespoke portfolios. With access to specialist funds offered by a wide range ofhigh profile asset management companies, this route is for those who prefer to select funds and fund managers themselves with complete control overtheir own investment strategy.

Life fundFUND FACTS

Launched: 03/05/2005Currency: GBPFund ID: 18050Fund size: as at 24/04/2016 3.93mFund type: LifeSector: ABI Mixed Investment 20%-60%

SharesInvestment approach: Self SelectFund group: Aberdeen3yr volatility: 5.26Fund Manager individual: Portfolio Management - Manager

SelectionFund Manager tenure: 1 months

OLD MUTUAL WEALTH RISK EVALUATOR as at 31/03/2016

Over 1 year

Over 3 years

Over 5 years

The fund risk score is based on historic volatility, as measured bystandard deviation of returns, of the fund over the indicated timeperiod. The historic volatility is then translated to the fund risk levelwhich is a whole number ranging from 1(least risky) to 10 (most risky).Fund risk scores provide a retrospective view of a fundʼs volatility,which may vary widely over different time periods, and are notnecessarily indicative of a fundʼs future volatility.

RATINGS

Citywire ManagerRating*

Simon Wood

Citywire Fund Manager Ratings are based on the risk-adjusted track records of individual fund managersover three years. The Citywire Fund Manager Ratings are based on the performance of the fund manageracross all the funds he or she has managed at any point during the last three years - not just the funds theyare currently managing. More details at www.citywire.co.uk.

MorningstarAnalyst Rating*

Neutral

The Morningstar Analyst Rating™ for funds is the summary expression of our forward-looking analysis of afund. Morningstar Analyst Ratings are assigned globally on a five-tier scale running from Gold to Negative.The top three ratings, Gold, Silver, and Bronze, all indicate that our analysts think highly of a fund; thedifference between them corresponds to differences in the level of analyst conviction in a fundʼs ability tooutperform its benchmark and peers through time, within the context of the level of risk taken. The AnalystRating does not express a view on a given asset class or peer group; rather, it seeks to evaluate each fundwithin the context of its objective, an appropriate benchmark, and peer group.For more detailed informationabout Morningstar Rating, including its methodology, please go to:http://corporate.morningstar.com/US/documents/MethodologyDocuments/MethodologyPapers/MorningstarFundRating_Methodology.pdf

* the rating relates to the underlying Unit Trusts or OEIC funds

OMW Aberdeen Multi Manager Cautious Managed

Issued by Old Mutual Wealth Life Assurance Ltd (an incorporated company limited by shares). Registered Number 1363932. Registered Office: Old MutualHouse, Portland Terrace, Southampton, SO14 7EJ, UK. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authorityand the Prudential Regulation Authority. Register number 110462. www.fca.org.uk/register/.

FUND AIM

The OMW Aberdeen Multi-Manager Cautious Managed Portfolio Fund invests solely in the Aberdeen Multi-Manager Cautious Managed Portfolio Fund, asub fund of Aberdeen Multi-Manager Portfolio Fund, UK Authorised Unit Trust scheme, managed by Aberdeen Unit Trust Managers Limited.The aim of the underlying fund is to achieve income and capital growth by the adoption of a cautious investment approach. Investment will be primarily inshares or units of collective investment schemes.The underlying fund may be denominated in or hold assets in a currency other than Sterling. The performance of the fund may therefore rise and fall asa result of exchange rate fluctuations.The underlying fund invests in bonds or money market instruments (including deposits with banks or other financial institutions). The yield and/or value ofthe fund will fluctuate as interest rates change. There is a possibility of default, reducing capital values.It should be noted that the performance of the OMW fund will not match that of the underlying investment due to OMW fund charges, appropriatetaxation adjustments and the OMW investment process.

Investment Approach - Self SelectThe Self Select range of funds offers complete choice and flexibility to build a portfolio that matches the individual needs of an investor.This category represents a comprehensive range of investment funds across different investment types and geographical sectors. Self-Select is mostsuited to investors who feel very comfortable with building and monitoring bespoke portfolios. With access to specialist funds offered by a wide range ofhigh profile asset management companies, this route is for those who prefer to select funds and fund managers themselves with complete control overtheir own investment strategy.

Life fundFUND FACTS

Launched: 03/05/2005Currency: GBPFund ID: 18050Fund size: as at 24/04/2016 3.93mFund type: LifeSector: ABI Mixed Investment 20%-60%

SharesInvestment approach: Self SelectFund group: Aberdeen3yr volatility: 5.26Fund Manager individual: Portfolio Management - Manager

SelectionFund Manager tenure: 1 months

OLD MUTUAL WEALTH RISK EVALUATOR as at 31/03/2016

Over 1 year

Over 3 years

Over 5 years

The fund risk score is based on historic volatility, as measured bystandard deviation of returns, of the fund over the indicated timeperiod. The historic volatility is then translated to the fund risk levelwhich is a whole number ranging from 1(least risky) to 10 (most risky).Fund risk scores provide a retrospective view of a fundʼs volatility,which may vary widely over different time periods, and are notnecessarily indicative of a fundʼs future volatility.

RATINGS

Citywire ManagerRating*

Simon Wood

Citywire Fund Manager Ratings are based on the risk-adjusted track records of individual fund managersover three years. The Citywire Fund Manager Ratings are based on the performance of the fund manageracross all the funds he or she has managed at any point during the last three years - not just the funds theyare currently managing. More details at www.citywire.co.uk.

MorningstarAnalyst Rating*

Neutral

The Morningstar Analyst Rating™ for funds is the summary expression of our forward-looking analysis of afund. Morningstar Analyst Ratings are assigned globally on a five-tier scale running from Gold to Negative.The top three ratings, Gold, Silver, and Bronze, all indicate that our analysts think highly of a fund; thedifference between them corresponds to differences in the level of analyst conviction in a fundʼs ability tooutperform its benchmark and peers through time, within the context of the level of risk taken. The AnalystRating does not express a view on a given asset class or peer group; rather, it seeks to evaluate each fundwithin the context of its objective, an appropriate benchmark, and peer group.For more detailed informationabout Morningstar Rating, including its methodology, please go to:http://corporate.morningstar.com/US/documents/MethodologyDocuments/MethodologyPapers/MorningstarFundRating_Methodology.pdf

* the rating relates to the underlying Unit Trusts or OEIC funds

Page 2: UNDERSTANDING OUR LIFE AND PENSION ... - Old Mutual … · Issued by Old Mutual Wealth ... of investment funds across different investment types and ... Trusts or OEIC funds UNDERSTANDING

OMW Aberdeen Multi Manager Cautious Managed

Issued by Old Mutual Wealth Life Assurance Ltd (an incorporated company limited by shares). Registered Number 1363932. Registered Office: Old MutualHouse, Portland Terrace, Southampton, SO14 7EJ, UK. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authorityand the Prudential Regulation Authority. Register number 110462. www.fca.org.uk/register/.

FUND AIM

The OMW Aberdeen Multi-Manager Cautious Managed Portfolio Fund invests solely in the Aberdeen Multi-Manager Cautious Managed Portfolio Fund, asub fund of Aberdeen Multi-Manager Portfolio Fund, UK Authorised Unit Trust scheme, managed by Aberdeen Unit Trust Managers Limited.The aim of the underlying fund is to achieve income and capital growth by the adoption of a cautious investment approach. Investment will be primarily inshares or units of collective investment schemes.The underlying fund may be denominated in or hold assets in a currency other than Sterling. The performance of the fund may therefore rise and fall asa result of exchange rate fluctuations.The underlying fund invests in bonds or money market instruments (including deposits with banks or other financial institutions). The yield and/or value ofthe fund will fluctuate as interest rates change. There is a possibility of default, reducing capital values.It should be noted that the performance of the OMW fund will not match that of the underlying investment due to OMW fund charges, appropriatetaxation adjustments and the OMW investment process.

Investment Approach - Self SelectThe Self Select range of funds offers complete choice and flexibility to build a portfolio that matches the individual needs of an investor.This category represents a comprehensive range of investment funds across different investment types and geographical sectors. Self-Select is mostsuited to investors who feel very comfortable with building and monitoring bespoke portfolios. With access to specialist funds offered by a wide range ofhigh profile asset management companies, this route is for those who prefer to select funds and fund managers themselves with complete control overtheir own investment strategy.

Life fundFUND FACTS

Launched: 03/05/2005Currency: GBPFund ID: 18050Fund size: as at 24/04/2016 3.93mFund type: LifeSector: ABI Mixed Investment 20%-60%

SharesInvestment approach: Self SelectFund group: Aberdeen3yr volatility: 5.26Fund Manager individual: Portfolio Management - Manager

SelectionFund Manager tenure: 1 months

OLD MUTUAL WEALTH RISK EVALUATOR as at 31/03/2016

Over 1 year

Over 3 years

Over 5 years

The fund risk score is based on historic volatility, as measured bystandard deviation of returns, of the fund over the indicated timeperiod. The historic volatility is then translated to the fund risk levelwhich is a whole number ranging from 1(least risky) to 10 (most risky).Fund risk scores provide a retrospective view of a fundʼs volatility,which may vary widely over different time periods, and are notnecessarily indicative of a fundʼs future volatility.

RATINGS

Citywire ManagerRating*

Simon Wood

Citywire Fund Manager Ratings are based on the risk-adjusted track records of individual fund managersover three years. The Citywire Fund Manager Ratings are based on the performance of the fund manageracross all the funds he or she has managed at any point during the last three years - not just the funds theyare currently managing. More details at www.citywire.co.uk.

MorningstarAnalyst Rating*

Neutral

The Morningstar Analyst Rating™ for funds is the summary expression of our forward-looking analysis of afund. Morningstar Analyst Ratings are assigned globally on a five-tier scale running from Gold to Negative.The top three ratings, Gold, Silver, and Bronze, all indicate that our analysts think highly of a fund; thedifference between them corresponds to differences in the level of analyst conviction in a fundʼs ability tooutperform its benchmark and peers through time, within the context of the level of risk taken. The AnalystRating does not express a view on a given asset class or peer group; rather, it seeks to evaluate each fundwithin the context of its objective, an appropriate benchmark, and peer group.For more detailed informationabout Morningstar Rating, including its methodology, please go to:http://corporate.morningstar.com/US/documents/MethodologyDocuments/MethodologyPapers/MorningstarFundRating_Methodology.pdf

* the rating relates to the underlying Unit Trusts or OEIC funds

UNDERSTANDING OUR LIFE AND PENSION FUND FACTSHEETSFund factsheets can often appear confusing and use lots of technical terms. We’ve produced this guide to break down the jargon and make them easier to understand.

The first page of the fund factsheet includes basic information about the fund (such as the name, size, objective, risk, and ratings).

OLD MUTUAL WEALTH RISK EVALUATORThe fund risk score as determined by Old Mutual Wealth based on the fund’s historic volatility (how much the price has gone up and down) over the indicated time period. The historic volatility is then translated to the fund risk level which is a whole number ranging from 1 (least risky) to 10 (most risky).

OMW Aberdeen Multi Manager Cautious Managed

Issued by Old Mutual Wealth Life Assurance Ltd (an incorporated company limited by shares). Registered Number 1363932. Registered Office: Old MutualHouse, Portland Terrace, Southampton, SO14 7EJ, UK. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authorityand the Prudential Regulation Authority. Register number 110462. www.fca.org.uk/register/.

FUND AIM

The OMW Aberdeen Multi-Manager Cautious Managed Portfolio Fund invests solely in the Aberdeen Multi-Manager Cautious Managed Portfolio Fund, asub fund of Aberdeen Multi-Manager Portfolio Fund, UK Authorised Unit Trust scheme, managed by Aberdeen Unit Trust Managers Limited.The aim of the underlying fund is to achieve income and capital growth by the adoption of a cautious investment approach. Investment will be primarily inshares or units of collective investment schemes.The underlying fund may be denominated in or hold assets in a currency other than Sterling. The performance of the fund may therefore rise and fall asa result of exchange rate fluctuations.The underlying fund invests in bonds or money market instruments (including deposits with banks or other financial institutions). The yield and/or value ofthe fund will fluctuate as interest rates change. There is a possibility of default, reducing capital values.It should be noted that the performance of the OMW fund will not match that of the underlying investment due to OMW fund charges, appropriatetaxation adjustments and the OMW investment process.

Investment Approach - Self SelectThe Self Select range of funds offers complete choice and flexibility to build a portfolio that matches the individual needs of an investor.This category represents a comprehensive range of investment funds across different investment types and geographical sectors. Self-Select is mostsuited to investors who feel very comfortable with building and monitoring bespoke portfolios. With access to specialist funds offered by a wide range ofhigh profile asset management companies, this route is for those who prefer to select funds and fund managers themselves with complete control overtheir own investment strategy.

Life fundFUND FACTS

Launched: 03/05/2005Currency: GBPFund ID: 18050Fund size: as at 24/04/2016 3.93mFund type: LifeSector: ABI Mixed Investment 20%-60%

SharesInvestment approach: Self SelectFund group: Aberdeen3yr volatility: 5.26Fund Manager individual: Portfolio Management - Manager

SelectionFund Manager tenure: 1 months

OLD MUTUAL WEALTH RISK EVALUATOR as at 31/03/2016

Over 1 year

Over 3 years

Over 5 years

The fund risk score is based on historic volatility, as measured bystandard deviation of returns, of the fund over the indicated timeperiod. The historic volatility is then translated to the fund risk levelwhich is a whole number ranging from 1(least risky) to 10 (most risky).Fund risk scores provide a retrospective view of a fundʼs volatility,which may vary widely over different time periods, and are notnecessarily indicative of a fundʼs future volatility.

RATINGS

Citywire ManagerRating*

Simon Wood

Citywire Fund Manager Ratings are based on the risk-adjusted track records of individual fund managersover three years. The Citywire Fund Manager Ratings are based on the performance of the fund manageracross all the funds he or she has managed at any point during the last three years - not just the funds theyare currently managing. More details at www.citywire.co.uk.

MorningstarAnalyst Rating*

Neutral

The Morningstar Analyst Rating™ for funds is the summary expression of our forward-looking analysis of afund. Morningstar Analyst Ratings are assigned globally on a five-tier scale running from Gold to Negative.The top three ratings, Gold, Silver, and Bronze, all indicate that our analysts think highly of a fund; thedifference between them corresponds to differences in the level of analyst conviction in a fundʼs ability tooutperform its benchmark and peers through time, within the context of the level of risk taken. The AnalystRating does not express a view on a given asset class or peer group; rather, it seeks to evaluate each fundwithin the context of its objective, an appropriate benchmark, and peer group.For more detailed informationabout Morningstar Rating, including its methodology, please go to:http://corporate.morningstar.com/US/documents/MethodologyDocuments/MethodologyPapers/MorningstarFundRating_Methodology.pdf

* the rating relates to the underlying Unit Trusts or OEIC funds

OMW Aberdeen Multi Manager Cautious Managed

Issued by Old Mutual Wealth Life Assurance Ltd (an incorporated company limited by shares). Registered Number 1363932. Registered Office: Old MutualHouse, Portland Terrace, Southampton, SO14 7EJ, UK. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authorityand the Prudential Regulation Authority. Register number 110462. www.fca.org.uk/register/.

FUND AIM

The OMW Aberdeen Multi-Manager Cautious Managed Portfolio Fund invests solely in the Aberdeen Multi-Manager Cautious Managed Portfolio Fund, asub fund of Aberdeen Multi-Manager Portfolio Fund, UK Authorised Unit Trust scheme, managed by Aberdeen Unit Trust Managers Limited.The aim of the underlying fund is to achieve income and capital growth by the adoption of a cautious investment approach. Investment will be primarily inshares or units of collective investment schemes.The underlying fund may be denominated in or hold assets in a currency other than Sterling. The performance of the fund may therefore rise and fall asa result of exchange rate fluctuations.The underlying fund invests in bonds or money market instruments (including deposits with banks or other financial institutions). The yield and/or value ofthe fund will fluctuate as interest rates change. There is a possibility of default, reducing capital values.It should be noted that the performance of the OMW fund will not match that of the underlying investment due to OMW fund charges, appropriatetaxation adjustments and the OMW investment process.

Investment Approach - Self SelectThe Self Select range of funds offers complete choice and flexibility to build a portfolio that matches the individual needs of an investor.This category represents a comprehensive range of investment funds across different investment types and geographical sectors. Self-Select is mostsuited to investors who feel very comfortable with building and monitoring bespoke portfolios. With access to specialist funds offered by a wide range ofhigh profile asset management companies, this route is for those who prefer to select funds and fund managers themselves with complete control overtheir own investment strategy.

Life fundFUND FACTS

Launched: 03/05/2005Currency: GBPFund ID: 18050Fund size: as at 24/04/2016 3.93mFund type: LifeSector: ABI Mixed Investment 20%-60%

SharesInvestment approach: Self SelectFund group: Aberdeen3yr volatility: 5.26Fund Manager individual: Portfolio Management - Manager

SelectionFund Manager tenure: 1 months

OLD MUTUAL WEALTH RISK EVALUATOR as at 31/03/2016

Over 1 year

Over 3 years

Over 5 years

The fund risk score is based on historic volatility, as measured bystandard deviation of returns, of the fund over the indicated timeperiod. The historic volatility is then translated to the fund risk levelwhich is a whole number ranging from 1(least risky) to 10 (most risky).Fund risk scores provide a retrospective view of a fundʼs volatility,which may vary widely over different time periods, and are notnecessarily indicative of a fundʼs future volatility.

RATINGS

Citywire ManagerRating*

Simon Wood

Citywire Fund Manager Ratings are based on the risk-adjusted track records of individual fund managersover three years. The Citywire Fund Manager Ratings are based on the performance of the fund manageracross all the funds he or she has managed at any point during the last three years - not just the funds theyare currently managing. More details at www.citywire.co.uk.

MorningstarAnalyst Rating*

Neutral

The Morningstar Analyst Rating™ for funds is the summary expression of our forward-looking analysis of afund. Morningstar Analyst Ratings are assigned globally on a five-tier scale running from Gold to Negative.The top three ratings, Gold, Silver, and Bronze, all indicate that our analysts think highly of a fund; thedifference between them corresponds to differences in the level of analyst conviction in a fundʼs ability tooutperform its benchmark and peers through time, within the context of the level of risk taken. The AnalystRating does not express a view on a given asset class or peer group; rather, it seeks to evaluate each fundwithin the context of its objective, an appropriate benchmark, and peer group.For more detailed informationabout Morningstar Rating, including its methodology, please go to:http://corporate.morningstar.com/US/documents/MethodologyDocuments/MethodologyPapers/MorningstarFundRating_Methodology.pdf

* the rating relates to the underlying Unit Trusts or OEIC funds

CITYWIRE MANAGER RATINGCitywire’s rating of the fund manager, measuring performance across all the funds run by the manager. In order to be rated, a fund manager will need to beat his or her benchmark over a three-year period. A benchmark is often the relevant stock market index. Ratings range from AAA, AA, A to + and not all managers will achieve a rating.

MORNINGSTAR ANALYST RATINGMorningstar’s analysts’ rating of funds they believe will perform better over time when compared to similar investments. Morningstar analysts assign the ratings on a scale with three positive ratings of Gold, Silver, and Bronze; a Neutral rating; and a Negative rating.

OMW Aberdeen Multi Manager Cautious Managed

Issued by Old Mutual Wealth Life Assurance Ltd (an incorporated company limited by shares). Registered Number 1363932. Registered Office: Old MutualHouse, Portland Terrace, Southampton, SO14 7EJ, UK. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authorityand the Prudential Regulation Authority. Register number 110462. www.fca.org.uk/register/.

FUND AIM

The OMW Aberdeen Multi-Manager Cautious Managed Portfolio Fund invests solely in the Aberdeen Multi-Manager Cautious Managed Portfolio Fund, asub fund of Aberdeen Multi-Manager Portfolio Fund, UK Authorised Unit Trust scheme, managed by Aberdeen Unit Trust Managers Limited.The aim of the underlying fund is to achieve income and capital growth by the adoption of a cautious investment approach. Investment will be primarily inshares or units of collective investment schemes.The underlying fund may be denominated in or hold assets in a currency other than Sterling. The performance of the fund may therefore rise and fall asa result of exchange rate fluctuations.The underlying fund invests in bonds or money market instruments (including deposits with banks or other financial institutions). The yield and/or value ofthe fund will fluctuate as interest rates change. There is a possibility of default, reducing capital values.It should be noted that the performance of the OMW fund will not match that of the underlying investment due to OMW fund charges, appropriatetaxation adjustments and the OMW investment process.

Investment Approach - Self SelectThe Self Select range of funds offers complete choice and flexibility to build a portfolio that matches the individual needs of an investor.This category represents a comprehensive range of investment funds across different investment types and geographical sectors. Self-Select is mostsuited to investors who feel very comfortable with building and monitoring bespoke portfolios. With access to specialist funds offered by a wide range ofhigh profile asset management companies, this route is for those who prefer to select funds and fund managers themselves with complete control overtheir own investment strategy.

Life fundFUND FACTS

Launched: 03/05/2005Currency: GBPFund ID: 18050Fund size: as at 24/04/2016 3.93mFund type: LifeSector: ABI Mixed Investment 20%-60%

SharesInvestment approach: Self SelectFund group: Aberdeen3yr volatility: 5.26Fund Manager individual: Portfolio Management - Manager

SelectionFund Manager tenure: 1 months

OLD MUTUAL WEALTH RISK EVALUATOR as at 31/03/2016

Over 1 year

Over 3 years

Over 5 years

The fund risk score is based on historic volatility, as measured bystandard deviation of returns, of the fund over the indicated timeperiod. The historic volatility is then translated to the fund risk levelwhich is a whole number ranging from 1(least risky) to 10 (most risky).Fund risk scores provide a retrospective view of a fundʼs volatility,which may vary widely over different time periods, and are notnecessarily indicative of a fundʼs future volatility.

RATINGS

Citywire ManagerRating*

Simon Wood

Citywire Fund Manager Ratings are based on the risk-adjusted track records of individual fund managersover three years. The Citywire Fund Manager Ratings are based on the performance of the fund manageracross all the funds he or she has managed at any point during the last three years - not just the funds theyare currently managing. More details at www.citywire.co.uk.

MorningstarAnalyst Rating*

Neutral

The Morningstar Analyst Rating™ for funds is the summary expression of our forward-looking analysis of afund. Morningstar Analyst Ratings are assigned globally on a five-tier scale running from Gold to Negative.The top three ratings, Gold, Silver, and Bronze, all indicate that our analysts think highly of a fund; thedifference between them corresponds to differences in the level of analyst conviction in a fundʼs ability tooutperform its benchmark and peers through time, within the context of the level of risk taken. The AnalystRating does not express a view on a given asset class or peer group; rather, it seeks to evaluate each fundwithin the context of its objective, an appropriate benchmark, and peer group.For more detailed informationabout Morningstar Rating, including its methodology, please go to:http://corporate.morningstar.com/US/documents/MethodologyDocuments/MethodologyPapers/MorningstarFundRating_Methodology.pdf

* the rating relates to the underlying Unit Trusts or OEIC funds

Page 3: UNDERSTANDING OUR LIFE AND PENSION ... - Old Mutual … · Issued by Old Mutual Wealth ... of investment funds across different investment types and ... Trusts or OEIC funds UNDERSTANDING

UNDERSTANDING OUR LIFE AND PENSION FUND FACTSHEETSFund factsheets can often appear confusing and use lots of technical terms. We’ve produced this guide to break down the jargon and make them easier to understand.

The second page includes information on the past performance of the fund, and it’s asset breakdown.

PERCENTAGE GROWTH YEAR ON YEAR TO MONTH ENDThe performance of the fund over 12 month periods to the end of the previous calendar month. For example, if the current date is 01/06/16 then the performance shown will be for 01/06/15 - 31/05/16, 01/06/ 14 - 31/05/15, etc. You can see this information for the last 5 x 12 month periods, or fewer if the fund was launched within the last five years.

PERCENTAGE GROWTHThe cumulative performance of the fund and sector average over the time periods shown to the end of the last calendar month.

COMPARATIVE PERFORMANCEThe performance of the fund against the sector to which it has been assigned over the last 5 years (or since the launch of the fund if it was launched less than 5 years ago.) The fund management group may choose to benchmark using an alternative measure, and details of this will be available on the fund manager’s website.

BREAKDOWN OF ASSETSA breakdown of the fund’s holdings by asset class, geographical region, or investment sector.

OMW Aberdeen Multi Manager Cautious Managed

Issued by Old Mutual Wealth Life Assurance Ltd (an incorporated company limited by shares). Registered Number 1363932. Registered Office: Old MutualHouse, Portland Terrace, Southampton, SO14 7EJ, UK. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authorityand the Prudential Regulation Authority. Register number 110462. www.fca.org.uk/register/.

Past performance does not indicate future performance.

Percentage growth year by year to month end shown in table1yr to 31/03/2016 1yr to 31/03/2015 1yr to 31/03/2014 1yr to 31/03/2013 1yr to 31/03/2012-3.20% 4.91% 5.39% 8.82% 0.25%

% growth is calculated using selling prices with income re-invested back into the fund net of tax.

Percentage growth to 24/04/20163 months 6 months 1 year 3 years 5 years

Fund 4.81% 2.49% -1.99% 9.79% 19.34%Sector 4.54% 1.99% -1.86% 9.29% 21.23%Quartile Rank 2 2 3 3 4

% growth is calculated using selling prices with income re-invested back into the fund net of tax.

Comparative performance - 5 yearsChart shows % growth for 60 months to 31/03/2016 and is calculated using selling prices with incomere-invested back into the fund net of tax.The majority of Old Mutual Wealth life or pension funds are known as mirror funds, which are invested in anunderlying retail fund. Life and pension funds are classified by the Association of British Insurers (ABI), andthis chart shows how the mirror fund has performed against the ABI sector to which it has been assigned.The underlying retail funds are typically managed with reference to a different retail benchmark such as anInvestment Association peer group. There may therefore be occasions where the performance of a fund is inline with the benchmark against which it is managed yet the mirror fund is performing differently to theassigned ABI sector.

OMW Aberdeen Multi Manager Cautious Managed (16.77)ABI Mixed Investment 20%-60% Shares (20.73)

Breakdown of assets as at 31/12/2015Fixed Interest 35.63%UK Equities 19.39%European Equities 12.21%Others 9.84%Asia Pacific Equities 7.18%North American Equities 7.10%Money Market 4.18%Property 2.97%Global Emerging Market Equities 1.50%

0% 20% 40% 60% 80% 100%

ABOUT OLD MUTUAL WEALTHOld Mutual Wealth is a leading provider of innovative investments, pensions and protection solutions. Our wealth of experience has earned us areputation for excellence for our approach to product design, administration and service.

Our products are underpinned by the MultiManager approach we pioneered over 20 years ago, offering you a range of leading external fund managers.While this approach is much imitated, our expertise and commitment has ensured Old Mutual Wealth's reputation as the leaders in MultiManagerinvestment.

Financial decisions are among the most important you will ever make and we believe these decisions should not be made without advice. For thisreason, we only sell our products through financial advisers - independent of Old Mutual Wealth and with a duty to provide best advice.

www.oldmutualwealth.co.uk Calls may be monitored and recorded for training purposes and to avoid misunderstandings.

Old Mutual Wealth Life Assurance Limited is registered in England & Wales under number 1363932. Registered Office at Old Mutual House, Portland Terrace, Southampton SO14 7EJ, United Kingdom. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services register number 110462. VAT number 386 1301 59.

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