Atlas Multi Asset Portfolio 1 s3 - The Financial Express

1 Atlas Multi AssetPortfolio 1 s3 September information(as at 30/09/2018)Launch date27/07/2015 Unit fund charges* Composite:40% MSCI ACWI (unhedged)40% MSCI ACWI (GBP hedged)10% BarCap Global Agg Treasury sub-index (GBPhedged)10% BarCap Global Agg Corporate sub-index (GBPhedged)The benchmark for this fund changed on the08/12/2017 to reflect a change in underlying fundholdings.*These are the charges that are deducted within theunit price. This is the benchmark that has been selected tocompare the performance of the holdingsFundsTarget fund holdingsZurich Schroder Life Atlas Master TrustMulti- Asset Portfolio Zurich is not a fund manager - the Zurich funds investin the underlying holdingsSCHRODER Atlas MASTER TRUST Multi - Asset Portfolio 1 SERIES objectiveThe objective of the fund is to provide long term growth through exposure to a range ofasset classes, including but not limited to equities, fixed interest, cash, property and otheralternatives both in the UK and overseas.

2 This Fund offers a higher risk approachcompared to the other Multi Asset data is based on available data for the underlying Zurich pension fund(s) and targetfund holdings as fund factsheet is for information only and is written assuming you are familiar with investment terminology. It has been provided to help youunderstand how the fund is invested and performing. It should not be used for making investment Multi AssetPortfolio 1 s3 September 2018 Things you need to knowWe ve based this information on our currentunderstanding of law and practice. We make everyeffort to ensure that this information is helpful,accurate and correct, but it may change or may notapply to your personal circumstances.

3 All funds carrysome risk and you should consider these risks beforemaking an investment decision. Investment returns arenot guaranteed and the value can main factors which may increase the risk of thisfund include:* The amount invested in company shares* The split between government and corporate bonds* The extent to which the fund invests in high yieldassets* The amount held in overseas assets* Any concentration in specific areas or sectorsAll or some of the investments are made through areinsurance arrangement so if the linked life insurancecompany(ies) were to fail you may lose some or all ofyour money and this will not be covered by theFinancial Services Compensation performance (as at 30/09/2018)3 months6 months1 year3 years5 performance (as at 30/09/2018)

4 30/09/2013 -30/09/201430/09/2014 -30/09/201530/09/2015 -30/09/201630/09/2016 -30/09/201730/09/2017 -30/09 performance (as at 30/09/2018)3 years5 years10 vs BenchmarkThe graph below illustrates the performance of the fund from launch up until30/09/2018. The fund is designed to provide a return in line with the benchmark. This isexpected to be the case over the long term. However, there may be times when the fundperformance does not match the benchmark. This may be due to a number of example, cash flows in and out of the fund resulting in unit price movements andslight timing differences for the period over which performance is measured.

5 -10% 0% 10% 20% 30% 40% Aug 15 OctDecFeb 16 AprJunAugOctDecFeb 17 AprJunAugOctDecFeb 18 AprJunAug27/07/2015 - 30/09/2018 Financial Express Holdings 2018 FundBenchmarkSource: Financial Express as at 30/09/2018. You shouldn t use past performance as asuggestion of future performance. It shouldn t be the main or sole reason for making aninvestment decision. The value of investments and any income from them can fall as wellas rise and will be reduced in real terms by the effects of inflation. You may not get backthe amount you invested. HM Revenue and Customs (HMRC) practice and law arecomplex.

6 Tax concessions are not guaranteed, their value will depend on individualcircumstances and may change in the performance data is based on a unit price basis and is net of all fees and expenseswhich are deducted from the fund.