Useful guides

Here you’ll find copies of our Principles and Practices of Financial Management (PPFMs) and our Understanding With Profits guides (also known as Consumer-friendly PPFMs or CFPPFMs). These tell you how we manage our UK with profits business.

Understanding With Profits guides

We have five Understanding With Profits guides for individual investors.

This is the one to read if you are invested in with profits units, unless you have a Stakeholder pension plan.

This is the one to read if you have a conventional with profits plan, for example a mortgage endowment

This is the one to read if you have a Stakeholder pension plan that started before 10 July 2006.

This is the one to read if you have a Stakeholder pension plan that started after 9 July 2006.

This is the one to read if you have a With Profits Pension Annuity.

If you are a pension scheme trustee and have a with profits Group Death in Service or Group Permanent Health Insurance plan or have with profits investments in a Trustee Investment Plan please ask your usual Standard Life contact for a copy of the Understanding With Profits Booklet for your plan.

Principles and Practices of Financial Management (PPFMs)

Heritage With Profits Fund Principles and Practices of Financial Management

UK Smoothed Managed With Profits Fund Principles and Practices of Financial Management

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