Sterling Investec Cautious Managed - 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 aspossible 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. Itspurpose 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 isnot 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 anadviser, please call us, we can help you find one near Investec Cautious ManagedOctober 2018 Sterling fund information(as at 30/09/2018)Launch date04/01/2005 Buy price / sell / size ( m) (as at 28/09/2018)ABI SectorMixed Investment 20-60% SharesFund Charges* codes London Stock Exchange, reproduced under licenseMex IDZZICMISIN codeGB00B03GV906 Crown ratingThe Zurich fund invests in Investec CautiousManagedInformation for Investec Cautious Managed (as at 30/09/2018)Launch date07/06/1993 Fund size ( m) (as at 28/09/2018)

2 SEDOLBD5J0R9 SEDOL codes London Stock Exchange, reproduced under licenseFund managementcompanyInvestec Fund Managers(UK)Fund managerAlastair MundyFund manager's Square Mile RatingCrown ratingTop holdings(as at 31/08/2018)**HM TREASURY UNITED KINGDOM IDX-LKD GILT 22/11 (KINGDOM OF) BDS22/05/19 STATES TREASURY JAN 15 OF AMERICA BANK OF SCOTLAND * This figure includes the charges and expensesthat are deducted from the fund and arereflected in the unit price. Other charges whichreduce the number of units you hold may further information please refer to yourproduct Terms and Conditions.

3 ** Sterling sources its funds data from Financial Express . The date shown reflects thelast available regional, sector and asset breakdown data provided by the fund'sadministrator to Financial Express . The timeliness of this data is affected by the speedand regularity of their publication by the fund objectiveThe Fund aims to provide a combination of income and longterm capital growth by investingconservatively in a diversified portfolio of equities, bonds and other fixed interest securities ofhigh quality and marketability. At all times the Fund s equity exposure will be limited to amaximum of 60% of the portfolio featuresThis fund invests in assets which have the potential to produce good longer term returnsabove inflation.

4 The returns will have less fluctuation than investing fully in equities and oversome periods of time the value of your investment can split 1 (as at 31/08/2018)**UK American & Government Emerging Index Pacific ex Japan split 2 (as at 31/08/2018)**Money Metals & Investec Cautious ManagedOctober 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. Beforetaking any action you should always check with anappropriate adviser, as we cannot acceptresponsibility for any action taken on the basis ofthis information funds carry some risk and you should considerthese risks before making an investment value of investments and any income fromthem can fall as well as rise and will be reduced inreal terms by the effects of inflation.

5 The mainfactors which may increase the risk of this fundinclude:- the amount held in overseas assets,- any concentration in specific areas or sectors,- the amount invested in property or propertyshares,- the extent to which the fund invests in fixedinterest charges which reduce the number of unitsyou hold may apply. For further information pleaserefer to your product Terms and a more detailed explanation and other usefulinformation about investments, please refer to ourguide -"Making investments clearer - a guide foryou", which can be found at 909 fund performance (as at 30/09/2018)6 mths1 year3 years5 years10 years% fund performance (as at 30/09/2018)30/09/2013 -30/09/201430/09/2014 -30/09/201530/09/2015 -30/09/201630/09/2016 -30/09/201730/09/2017 -30/09/2018% fund performance(as at 30/09/2018)3 year statistical fund data(as at 30/09/2018)

6 Monthly 3 month 3 month performance of ABI primary fund* (as at 30/09/2018)30/09/2013 -30/09/201430/09/2014 -30/09/201530/09/2015 -30/09/201630/09/2016 -30/09/201730/09/2017 -30/09/2018% *This data shows the performance of the primary unit series for the primary unit series is the series of the fund that applies to most of ABI primary fund (over 5 years to 30/09/2018) -10 -5 0 5 10 15 20 25 Oct 13 Apr 14 OctApr 15 OctApr 16 OctApr 17 OctApr 1830/09/2013 - 28/09/2018 Powered by data from FEPrimary fund for Sterling Investec Cautious ManagedMixed Investment 20-60% SharesSource: Financial Express as at 30/09/2018.

7 You shouldn't use past performance as a suggestionof future performance. It shouldn't be the main or sole reason for making an investmentdecision. The value of investments and any income from them can fall as well as rise and willbe reduced in real terms by the effects of inflation. You may not get back the amount youinvested. HM Revenue and Customs (HMRC) practice and law are complex. Tax concessionsare not guaranteed, their value will depend on individual circumstances and may change inthe performance data is based on a selling price basis and doesn't take into account fees andexpenses which are specific to individual plans.

8 Details are available on is a trading name of Zurich Assurance Ltd. Registered in England and Wales under company number office: The Grange, Bishops Cleeve, Cheltenham, GL52 may record or monitor calls to improve our service.