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.
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.
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.
If you’re looking for a detailed description of how we manage the with-profits funds the PPFMs can give you just that.
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 2020 but we understand that you may have concerns about the continuing 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.
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.