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.
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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.
Bonus information
For details of our latest with-profits bonus review and regular bonus rates.
Latest bonus review
Life plan regular bonus rates
Regular bonus rates – life (225KB)
Pension plan regular bonus rates
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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.
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
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If you are a With Profits Pension Annuity customer, please contact Standard Life for a copy of the guide for this type of plan.
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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.
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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.
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Heritage With-Profits Fund annual report
Most with-profits plans are covered by this report.Read the report (PDF, 225KB)
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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)
Pension business including Stakeholder Pension Plans taken out before 10 July 2006
Heritage With-Profits Fund - Pensions Business (225KB)
Stakeholder Pension Plans taken out on or after 10 July 2006
UK Smoothed With-Profits Fund (225KB)
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