With-profits important information

Here you can find all of the guides, reports and other important information about with-profits

The value of your investment can go down as well as up and you may get back less than was paid in. Laws and tax rules may change in the future. Your own circumstances and where you live in the UK will also have an impact on tax treatment.

Overview

With-Profits Committee

Important information

Overview

With-Profits Committee

Important information

This is where you'll find your 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, investment reports and bonus information.

With-profits guides

There are different guides on with-profits depending on the type of plan you have with us. Take a look at the right guide for you to find out more about with-profits.

If you are a With Profits Pension Annuity customer, please contact Standard Life for a copy of the guide for this type of plan.

Principles and Practices of Financial Management (PPFM)

If you’re looking for a detailed description of how we manage the with-profits funds the PPFMs can give you just that.

Heritage With-Profits Fund PPFM

Most with-profits plans are covered by this PPFM.

Read the PPFM (PDF, 225KB)
UK Smoothed Managed With-Profits Fund PPFM

If you took out a Stakeholder Pension Plan on or after 10 July 2006 this is the right PPFM for you.

Read the PPFM (PDF, 225KB)

Annual reports to policyholders

The annual reports to UK with-profits policyholders cover a range of topics around your with-profits investment including pay out values and a statement from the With-Profits Actuary.

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.

Heritage With-Profits Fund annual report

Most with-profits plans are covered by this report.

Read the report (PDF, 225KB)
UK Smoothed Managed With-Profits Fund annual report

If you took out a Stakeholder Pension Plan on or after 10 July 2006 this is the right report for you.

Read the report (PDF, 225KB)

Quarterly investments reports

Our investment reports are a great place to find more information about the asset mix in the with-profits funds and how they have performed.

Life business

Heritage With-Profits Fund – Life Business (225KB)

Stakeholder Pension Plans

UK Smoothed With-Profits Fund (225KB)

Other pension business

Heritage With-Profits Fund - Pensions Business (225KB)

Bonus information

For details of our latest with-profits bonus review and regular bonus rates.

Latest bonus review

Bonus announcement (225KB)

Life plan regular bonus rates

Regular bonus rates – life (225KB)

Pension plan regular bonus rates

Regular bonus rates – pensions (225KB)

Other useful information

Heritage With-Profits Fund Inherited Estate

statement download Read the leaflet (PDF, 225KB)

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

statement download Read the leaflet (PDF, 226KB)

With-profits important information

Overview

With-Profits Committee

Important information

Overview

With-Profits Committee

Important information

With-profits guides

With-profits guide for unitised pension plans

With-profits guide for unitised life plans

With-profits guide for Stakeholder Pension Plans

With-profits guide for mortgage endowments and conventional plans

Principles and Practices of Financial Management (PPFM)

Heritage With-Profits Fund PPFM

UK Smoothed Managed With-Profits Fund PPFM

Annual reports to policyholders

Heritage With-Profits Fund annual report

UK Smoothed Managed With-Profits Fund annual report

Quarterly investments reports

Bonus information

Other useful information

Heritage With-Profits Fund Inherited Estate

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

More on investments

More investment funds

Investing guides

MoneyPlus