The table below shows the performance of the investment funds available in the 12 months to 30 September 2021, compared with the benchmark (the reference point against which the Trustee measures investment performance). It also shows the Annual Management Charge (AMC). You can find full details of the investment charges and costs, as well as guidance and fund factsheets, on the Charges & Governance page.

Depending on when you joined the Scheme and how your contributions are invested, the performance of your funds may differ. You can see how your investments are performing by visiting your personal record with Aviva.

The performance data is net of fees, except for the Emerging Markets Equity Fund, the Stewardship Fund and the Shariah Fund, where it is gross of fees.

The Scheme receives an excellent value-for-money rating. The Trustee is committed to ensuring that members receive value from their Scheme membership. The latest value-for-members assessment, carried out by the Trustee and Willis Towers Watson, the Scheme’s investment consultant, looked at key areas of the Scheme as well as the general characteristics of the Scheme’s membership. You can find the full assessment on the Charges & Governance page. Overall, the Trustee concluded that the combined value provided to members by the Scheme’s governance and management, administration, investment and communication services offers good to excellent value for members when compared with the overall level of charges met by members. Scheme Governance and Management continues to offer excellent value due to a dedicated committee responsible for the monitoring of the Scheme’s value for money. The Trustee also believes its communication service continues to offer excellent value, and is an area the Trustee is continually developing to improve member engagement.