Volatility Ratings
The volatility rating of a fund indicates how much the fund price might move compared to other funds. The higher the volatility rating, the less stable the fund price is likely to be. You can use this to help you decide how much risk you’re comfortable taking with your investments.
0 1 2 3 4 5 6 7
(less volatile) (more volatile)
We regularly review volatility ratings for funds, and these may change.
We set ratings based on our experts’ judgement, using data on:
- how the fund price has varied from month to month in the past, compared to other funds available
- how investments in similar asset classes vary from month to month and the investment policy of the fund.
Typically higher volatility ratings mean greater potential investment returns over the longer term. But high volatility funds can suddenly fall or rise in value.
The volatility rating is not the only factor you should consider when selecting a fund. If you’re not sure which funds to choose please seek advice from a financial adviser.
| Synergy Fund | Volatility Rating* | Annual management charge |
|---|---|---|
| Euro Global Liquidity |
1 | 1% |
| Corporate Bond |
2 | 1% |
| Government Bond Tracker |
2 | 1% |
| Euro Inflation Linked Bond |
2 | 1% |
| Fixed Interest |
2 | 1% |
| Property |
3 | 1.2% |
| Global Absolute Return Strategies |
3 | 1.35% |
| Standard Life Barclays Multi‑Asset Protected 85+** |
3 | 1.95% |
| Cautious Managed | 3 | 1% |
| Managed |
5 | 1% |
| Balanced Multi‑Manager | 5 | 1.35% |
| Balanced Tracker |
5 | 1% |
| Japanese Equity Multi‑Manager | 6 | 1.8% |
| Japanese Equity Tracker | 6 | 1% |
| Japanese Equity | 6 | 1% |
| Global Equity Multi‑Manager | 6 | 1.6% |
| Global Equity Tracker |
6 | 1% |
| Global Selector |
6 | 1% |
| UK Equity | 6 | 1% |
| UK Equity Multi‑Manager |
6 | 1.55% |
| UK Equity Tracker | 6 | 1% |
| North American Equity Multi‑Manager |
6 | 1.6% |
| North American Equity | 6 | 1% |
| North American Equity Tracker | 6 | 1% |
| European Equity | 6 | 1% |
| European Equity Multi‑Manager | 6 | 1.65% |
| European Equity Tracker |
6 | 1% |
| European Smaller Companies | 6 | 1.5% |
| European Ethical Equity | 6 | 1.3% |
| Global REIT | 7 | 1.45% |
| Irish Equity Tracker | 7 | 1% |
| Irish Equity | 7 | 1% |
| Pacific Basin Equity | 7 | 1% |
| Pacific Basin Equity Multi‑Manager | 7 | 1.8% |
| Pacific Basin Equity Tracker |
7 | 1% |
| India Equity** |
7 | 1.5% |
| China Equity | 7 | 1.5% |
* At 3 August 2010.
** Not available on the Synergy PRSA.
Before you choose a fund you should read its latest fact sheet. We recommend you also speak to a financial advisor.
You’ll probably be one of many investors in each fund you choose. Sometimes, in exceptional circumstances, we may have to wait before we can switch your funds, transfer or cash in your policy. This is to maintain fairness between those remaining in and those leaving the fund.
This delay could be for up to a month. But for some funds, the delay could be longer:
- It may be for up to 12 months if it’s a property based fund because property and land can take longer to sell.
- If our fund invests in an external fund, the delay could be longer if the rules of the fund allow this.
If we have to delay switching, transferring or cashing in, we’ll use the fund prices on the day the transaction takes place – these prices could be very different from the prices on the day you made the request.
+ The Standard Life Barclays Multi-Asset Protected 85 fund invests 100% in an externally managed fund
the Multi-Asset Protected 85 Fund managed by Barclays Capital Fund Solutions, the asset management
business of Barclays Capital, the Investment Banking division of Barclays Bank PLC.
The price protection offered by the Multi-Asset Protected 85 Fund, the externally managed fund,
is not guaranteed and is provided by Barclays Bank PLC. In certain circumstances the protection could
be reduced or even removed. Please refer to the customer brochure (BMAP85) for more information
on these circumstances. The Synergy products are not sponsored, endorsed, sold or promoted by
Barclays Bank PLC.
Warning: The value of this investment may go down as well as up
Warning: This investment may be affected by changes in currency exchange rates
Warning: The income from this investment may go down as well as up
