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The questions and answers below provide you with further information about what the Summary of Charges document is and why we have sent it to you.
We may have previously disclosed charges as a percentage of your plan. New regulations require us to provide you with the charges that you have paid, as a monetary amount. We believe that providing charges as a monetary amount increases transparency and makes this information easier to understand.
If you're invested in With Profits it's important to note that there are no explicit charges for your With Profits investments. The money you and others invest is pooled together and invested in a With Profits fund. We take deductions from the fund to cover our costs. We can't break these costs down as they are not taken at plan level.