This is where you'll find our with-profits guides and Principles and Practices of Financial Management, which describe how we manage our UK with-profits business. You can also see our most recent reports to with-profits policyholders, with-profits investment reports and bonus information.

With-profits guides

To find out more about with-profits investments you should read the with-profits guide for your type of plan.

ISA key featuresPlease read this one if you have a unitised pension.

With-profits guide for unitised pensions

 

 

 

ISA key featuresPlease read this one if you have a unitised life plan.

With-profits guide for unitised life plans

 

 

 

ISA key featuresPlease read this one if you have a Stakeholder pension plan.

With-profits guide for Stakeholder 

 

 

 

ISA key features

Please read this one if you have a mortgage endowment or other conventional with-profits plan

 With-profits guide for conventional plans 

 

If you are:

  • a With Profits Pension Annuity customer
  • a pension scheme trustee and have a With-Profits Group Death in Service or Group Permanent Health Insurance Plan or
  • have with-profits investment in a Trustee Investment Plan

Please ask your usual Standard Life contact for a copy of the with-profits guide for your plan.


Principles and Practices of Financial Management (PPFMs)

Our PPFMs give a detailed description of how we manage our with-profits funds. The above with-profits guides provide a simplified explanation of the important PPFM information for different types of plan.

There are two PPFMs for our UK business:

ISA key featuresThe UK Smoothed Managed With-Profits Fund PPFM (for Stakeholder plans that started on or after 10 July 2006)

 UK Smoothed Managed With-Profits Fund (PPFM) (pdf | 225kb)

ISA key featuresThe Heritage With-Profits Fund PPFM (for all other plans)

 Heritage With-Profits Fund PPFM (pdf | 225kb)


Annual report to policyholders and statement from the With-Profits Actuary

Here are our latest reports to UK with-profits policyholders on the operation of our with-profits business.

These reports relate to 2019 but we understand that you may have concerns about the current impact of the Coronavirus (COVID-19) pandemic. There have been no changes to our practices (as detailed in our PPFMs) for the management of our with-profits funds. Any guarantees associated with your policy are unaffected by the pandemic. For more information on our response to Coronavirus (COVID-19) please go to our dedicated information pages.

ISA key featuresUK Smoothed Managed With-Profits Fund (for Stakeholder plans that started on or after 10 July 2006)

 Annual Report - UK Smoothed Managed With-Profits Fund (pdf | 225kb)

ISA key featuresHeritage With-Profits Fund (for all other plans)

 Annual Report - Heritage With-Profits Fund (pdf | 225kb)


Latest quarterly investment reports

For information on the asset mixes of our with-profits funds and how they have performed see:

UK Smoothed With Profits FundPost July 2006 Stakeholder Pensions

 UK Smoothed With-Profits Fund (pdf | 225kb)


Bonus information

ISA key featuresRegular bonus rates: Life

 Regular Bonus Rates - Life (pdf | 225kb)

ISA key featuresRegular bonus rates: Pensions

 Regular Bonus Rates - Pensions (pdf | 225kb)


With-profits unit prices

We don’t publish unit prices for any of our with-profits funds. On its own, the price is unlikely to provide a full and fair view of what a with-profits investment is worth. This is because of the effects on plan values of any

  • smoothing
  • inherited estate top-up
  • final bonus
  • unit price reduction

These vary from one plan to another depending on when payments were made.

Other useful information about with-profits

Heritage With Profits Fund - Inherited EstateHeritage With-Profits Fund Inherited Estate

 Heritage With-Profits Fund - Inherited Estate. (pdf | 225kb)

Heritage With Profits Fund - Unitised With Profits Pension PayoutsHeritage With-Profits Fund - Unitised With-Profits Pension Payouts

 Heritage With-Profits Fund - Unitised With-Profits Pension Payouts (pdf | 226kb)

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