Sterling 7IM Moderately Cautious - The Financial Express

1 We've written this fund factsheet assuming you have some experience of investing. This means that although we have tried to write as much as possible in plain language, we may have used certain words or phrases that might not be familiar to you, particularly if you are new to investing. Its purpose is to help you understand how the fund is invested and performing. You should not use it on its own for making investment decisions. It is not an offer to buy or sell any investments or shares. If there's something you don't understand, please contact your adviser. If you don't have an adviser, please call us, we can help you find one near you. Sterling 7IM Moderately Cautious November 2018 Fund objective Sterling fund information This Fund aims to provide a total return, substantially by way of income though with some (as at 31/10/2018) capital appreciation.

2 There may be a moderate risk to capital. The Fund invests predominantly in a range of collective investment vehicles and securities managed by selected fund Launch date 17/11/2003 managers. While income-generating assets are likely to represent a significant part of the Buy price / sell price / portfolio, the portfolio may also include assets with scope for capital growth in real terms. Fund size ( m) (as at 31/10/2018) The Fund may use different asset classes, with a substantial proportion in fixed interest. The ABI Sector Mixed Investment 0-35% Shares Fund may also invest in money market instruments and deposits. Fund Charges* Fund features SEDOL 3384187. SEDOL codes London Stock Exchange, reproduced under license This fund invests in assets which have the potential to produce moderate and stable longer Mex ID 8 SMCL term returns.

3 The returns are expected to fluctuate in value less than equities and over some ISIN code GB0033841874 periods of time the value of your investment can fall. Crown rating The Zurich fund invests in 7IM Moderately Asset split 1 (as at 30/09/2018)**. Cautious Alternative Investment Strategies Information for 7IM Moderately Cautious (as at 31/10/2018) Global Government Fixed Interest Launch date 12/12/2003 UK Equities Fund size ( m) (as at 31/10/2018). US Equities SEDOL 3395316. Global Corporate Fixed Interest SEDOL codes London Stock Exchange, reproduced under license Fund management 7IM Investment Funds Global Emerging Market Fixed Interest company Japanese Equities Fund manager 7IM - Investment Team Global High Yield Fixed Interest Fund manager's Square Mile Rating Global Index Linked Crown rating Others Top holdings Asset split 2 (as at 30/09/2018)**.

4 (as at 30/09/2018)**. ISHARES OVERSEAS GOVT BOND FUND International S&P500 2018 FUTURE Not Specified BLACKROCK ISHARES GLOBAL UK INFLATION LINKED BOND Global Emerging Markets ML CAPITAL GROUP INC USA NN GLOBAL CONVERTIBLES Japan OPPORTUNITIES Europe BARINGS EMERGING MARKTS Money Market UMBRELLA FD. TWENTYFOUR AM DYNAMIC BOND LEGG MASON WESTERN MACRO OPP BOND. THREADNEEDLE UK EXTENDED ALPHA RNA GBP. MAJEDIE UK FOCUS * This figure includes the charges and expenses ** Sterling sources its funds data from Financial Express . The date shown reflects the that are deducted from the fund and are last available regional, sector and asset breakdown data provided by the fund's reflected in the unit price. Other charges which administrator to Financial Express .

5 The timeliness of this data is affected by the speed reduce the number of units you hold may apply. and regularity of their publication by the fund administrator. For further information please refer to your product Terms and Conditions. Sterling 7IM Moderately Cautious November 2018. Things you need to know Cumulative fund performance (as at 31/10/2018). We've based this information on our current 6 mths 1 year 3 years 5 years 10 years understanding of law and practice. We make every % growth effort to ensure that this information is helpful, accurate and correct but it may change or may not apply to your personal circumstances. Before Discrete fund performance (as at 30/09/2018). taking any action you should always check with an 30/09/2013 - 30/09/2014 - 30/09/2015 - 30/09/2016 - 30/09/2017 - appropriate adviser, as we cannot accept 30/09/2014 30/09/2015 30/09/2016 30/09/2017 30/09/2018.

6 Responsibility for any action taken on the basis of % growth this information alone. All funds carry some risk and you should consider Annualised fund performance 3 year statistical fund data these risks before making an investment decision. (as at 31/10/2018) (as at 31/10/2018). The value of investments and any income from 3 year Monthly volatility them can fall as well as rise and will be reduced in real terms by the effects of inflation. The main 5 year Best 3 month return factors which may increase the risk of this fund 10 year Worst 3 month return include: - the amount invested in equities, - the split between government and corporate fixed Discrete performance of ABI primary fund* (as at 31/10/2018).

7 Interest, 31/10/2013 - 31/10/2014 - 31/10/2015 - 31/10/2016 - 31/10/2017 - - the extent to which the fund invests in high yield 31/10/2014 31/10/2015 31/10/2016 31/10/2017 31/10/2018. fixed interest assets, % growth - the amount held in overseas assets. Sector Average Other charges which reduce the number of units you hold may apply. For further information please Quartile 3 1 4 4 4. refer to your product Terms and Conditions. Rank 56/89 1/93 72/95 83/97 83/101. For a more detailed explanation and other useful * This data shows the performance of the primary unit series for the fund. information about investments, please refer to our The primary unit series is the series of the fund that applies to most customers.

8 Guide -"Making investments clearer - a guide for you", which can be found at Performance of ABI primary fund (over 5 years to 31/10/2018). 20. Primary fund for Sterling 7IM Moderately Cautious 18. Mixed Investment 0-35% Shares 16. 14. 12. 10. 8. 6. 4. 2. 0. -2. Jan 14 Jul Oct Apr 15 Oct Apr 16 Oct Apr 17 Oct Apr 18. 31/10/2013 - 31/10/2018 Powered by data from FE. Source: Financial Express as at 31/10/2018. You shouldn't use past performance as a suggestion of future performance. It shouldn't be the main or sole reason for making an investment decision. The value of investments and any income from them can fall as well as rise and will be reduced in real terms by the effects of inflation. You may not get back the amount you invested.

9 HM Revenue and Customs (HMRC) practice and law are complex. Tax concessions are not guaranteed, their value will depend on individual circumstances and may change in the future. 0370 909 6010. Fund performance data is based on a selling price basis and doesn't take into account fees and uk expenses which are specific to individual plans. Details are available on request. Sterling is a trading name of Zurich Assurance Ltd. Registered in England and Wales under company number 02456671. Registered office: The Grange, Bishops Cleeve, Cheltenham, GL52 8XX. We may record or monitor calls to improve our service.