Understanding With Profits Guides
To find out more about with profits investments you should read the 'Understanding With Profits' guide for your type of plan. These guides are also known as Consumer-friendly PPFMs or CFPPFMs.
Does your plan have with profits units? If so:
If you have a mortgage endowment or other conventional with profits plan read this
If you have a With Profits Pension Annuity read this
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)
Our PPFMs give a detailed description of how we manage our with profits funds. The above Understanding With Profits Guides provide a summary of the important PPFM information for different types of plan.
There are two PPFMs for our UK business:
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.
Latest quarterly investment reports
For information on the asset mixes of our with profits funds and how they have performed see:
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
- inherited estate top-up
- final bonus
- unit price reduction
These vary from one plan to another depending on when payments were made.