| Warning: Past performance is not a reliable guide to future performance. Warning: The value of your investment may go down as well as up. Warning: The income you earn from this investment may go down as well as up. Warning: If you invest in these funds you may lose some or all of the money you invest. Warning: These funds may be affected by changes in currency exchange rates. Warning: If you invest in a pension, you will not have access to your money until you retire. |
1. This Fund Charge is made up of:
- a fund management charge which is deducted daily from the unit price of the fund(s); and
- a plan management charge which is taken monthly by deduction of units from the value of your fund(s). If you are invested in more than one fund, this charge will be taken proportionately across the range of funds in which the policy is invested.
2. We recognise that investing in funds involves a range of risks, including operational, market, counterparty, and liquidity risks. A key and more visible risk for investors is fund volatility, which can impact the value of investments over time.
We use the ESMA risk rating methodology as the primary, industry-standard measure of this volatility. Funds are monitored against these ratings on an ongoing basis. In certain cases, we may apply a higher, qualitative risk rating where additional considerations, such as liquidity constraints or increased potential for loss, support a more prudent assessment of the overall risk profile.
Risk ratings are stated as at 01 July 2026 and may change over time. For further information, please see the Your Investment Guide.
3. The fund lists attaching to each product are correct as at July 2026.
4. The Individual Pensions range includes Personal Pensions and Personal Retirement Bond.
Aviva Life & Pensions Ireland Designated Activity Company, is a private company limited by shares, registered in Ireland No. 165970. Registered office at Building 12, Cherrywood Business Park, Loughlinstown, Co. Dublin, D18 W2P5. Tel (01) 898 7950, www.aviva.ie
Aviva Life & Pensions Ireland Designated Activity Company, trading as Aviva Life & Pensions Ireland and Friends First, is regulated by the Central Bank of Ireland.