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.

Information documents

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 and 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

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

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.

Heritage With-Profits Fund annual report
Most with-profits plans are covered by this report

UK Smoothed Managed With-Profit Fund annual report
If you took out a Stakeholder Pension Plan on or after 10 July 2006, this is the right report for you.

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-profit plans are covered by this PPFM.

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.


More about with-profits