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. Zurich 7IM Moderately Cautious ZP November 2014 Fund objective Zurich fund information (as at 31/10/2014) The fund aims to provide a total return, substantially by way of income though with some capital appreciation. 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 managers. While income-generating assets are likely to represent a significant part of the portfolio, the portfolio may also include assets with scope for capital growth in real terms. The fund may use different asset classes, with a substantial proportion in fixed interest. The fund may also invest in money market instruments and deposits. Launch date 04/01/2005 Single price 176.30p Fund size (£m) 7.9 (as at 30/09/2014) ABI Sector Mixed Investment 0%-35% Shrs Fund charges* 0.84% SEDOL B03XLY6 SEDOL codes © London Stock Exchange, reproduced under license Mex ID ISIN code Crown rating ZZMODC GB00B03XLY66 12/12/2003 264.7 (as at 30/09/2014) 3395316 SEDOL codes © London Stock Exchange, reproduced under license Fund management company Fund manager Crown rating This fund invests in assets which tend to produce moderate and stable returns. Over the longer term these assets should generate growth, with some fluctuation in value. Asset split 1 (as at 30/09/2014)** The Zurich fund invests in CF 7IM Moderately Cautious Information for CF 7IM Moderately Cautious (as at 31/10/2014) Launch date Fund size (£m) SEDOL Fund features CF 7IM 7IM - Asset Allocation 15.7% 12.2% 11.5% 9.0% 8.0% 7.5% 5.6% 4.4% 4.2% 22.1% Asset split 2 (as at 30/09/2014)** Top holdings (as at 30/09/2014)** MSCI ALL COUNTRIES ASIA EX JAPAN INDEX FUTURE MSCI AC ASIA PACIFIC EX JAPAN FUTURES ASHMORE EM BOND TOTAL RETURN TOPIX FUTURES INDEX TOPIX FUTURES INDEX MAJEDIE UK EQUITY THREADNEEDLE UK EQUITY EURO STOXX BANKS INDEX FUTURE MSCI USA EQUAL WEIGHT INDEX FUTURE BAML JAPAN SMALL CAP CERT PZENA US LARGE CAP DYNAMIC VALUE EQUITY Global Corporate Fixed Interest Global Emerging Market Fixed Interest Money Market Global High Yield Fixed Interest UK Equities North American Equities Japanese Equities Global Emerging Market Equities UK Gilts Others 3.80% 3.80% 3.30% 3.30% 3.30% 3.20% 3.00% 2.90% International Global Emerging Markets UK Money Market Not Specified North America Japan Europe ex UK Far East Others 23.4% 16.6% 15.4% 11.5% 9.4% 7.5% 5.6% 3.4% 2.1% 5.3% 2.90% 2.80% * These are the charges that are deducted within the unit price. Other charges which reduce the number of units you hold may apply. For further information please refer to your Terms and Conditions. ** Zurich sources its funds data from Financial Express. The date shown reflects the last available regional, sector and asset breakdown data provided by the fund's administrator to Financial Express. The timeliness of this data is affected by the speed and regularity of their publication by the fund administrator. Zurich 7IM Moderately Cautious ZP November 2014 Things you need to know We've based this information on our current understanding of law and practice. We make every effort to ensure that this information is helpful, accurate and correct but it may change or may not apply to your personal circumstances. Before taking any action you should always check with an appropriate adviser, as we cannot accept responsibility for any action taken on the basis of this information alone. All funds carry some risk and you should consider these before making any investment decision. Investment returns are not guaranteed and the value can fluctuate. The main factors which may increase the risk of this fund include: - the amount invested in company shares, - the split between government and corporate bonds, - the extent to which the fund invests in high yield assets, - the amount held in overseas assets. For further information about this fund please refer to the charts on page one. For more explanation and useful information about investments, please refer to our guide -"Making investments clearer a guide for you". This as well as current fund prices and performance is available at the website address below. Allied Zurich Holdings Limited (a member of the Zurich Group) has a shareholding in 7IM and may therefore benefit from investments in 7IM funds. Cumulative fund performance (as at 31/10/2014) % growth 6 mths 1 year 3 years 5 years 10 years 3.46% 4.51% 23.03% 35.72% - Discrete fund performance (as at 30/09/2014) 30/09/2009 - 30/09/2010 - 30/09/2011 - 30/09/2012 - 30/09/2013 30/09/2010 30/09/2011 30/09/2012 30/09/2013 30/09/2014 % growth 8.46% -0.92% Annualised fund performance (as at 31/10/2014) 8.80% 8.02% 6.45% 3 year statistical fund data (as at 31/10/2014) 3 year 7.15% Monthly volatility 1.21% 5 year 6.30% Best 3 month return 5.01% 10 year - Worst 3 month return -2.22% Discrete performance of ABI primary fund* (as at 31/10/2014) 31/10/2009 - 31/10/2010 - 31/10/2011 - 31/10/2012 - 31/10/2013 31/10/2010 31/10/2011 31/10/2012 31/10/2013 31/10/2014 % growth 8.38% -0.22% 5.61% 9.01% 3.21% Sector Average 9.09% 3.95% 6.51% 7.11% 3.74% 3 4 3 1 3 50/82 80/92 66/98 20/116 81/125 Quartile Rank * This data shows the performance of the primary unit series for the fund. The primary unit series is the series of the fund that applies to most customers. Performance of ABI primary fund (over 5 years to 31/10/2014) 35 30 Primary fund for Zurich 7IM Moderately Cautious ZP Mixed Investment 0%-35% Shrs 25 20 15 10 5 0 -5 Jan 10 Jul Oct Apr 11 Oct Apr 12 Oct Apr 13 Oct Apr 14 30/10/2009 - 31/10/2014 Powered by data from FE 0870 241 6950 Source: Financial Express as at 31/10/2014. 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. 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. www.zurich.co.uk/life Fund performance data is based on a single price basis and doesn't take into account fees and expenses which are specific to individual plans. Details are available on request. 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.
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