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Investment overview

The table below shows the performance of the investment funds available in the 12 months to 30 September 2022, compared with the benchmark – this is 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.

	Performance of the benchmark index (1 year)	Performance of the fund (1 year)	Performance of the benchmark index (5 years)	Performance of the fund (5 years)	Annual Management Charge
Growth funds
Emerging Markets Equity Fund	-13.17%	-13.86%	1.87%	1.71%	0.45%
Global Equity Fund	-4.29%	4.43%	8.22%	7.85%	0.24%
Stewardship Fund	-4%	-12.92%	2.17%	2.10%	0.27%
Diversified Growth Fund	-10.63%	-9%	5.06%	2.97%	0.37%
Shariah Fund	-3.59%	-4.45%	13.43%	12.15%	0.51%
Approaching retirement funds
Target Increasing Annuity	-33.65%	33.39%	3.97%	4.15%	0.21%
Target Level Annuity	-27.67%	-31.11	-3.48%	-4.59%	0.29%
Money Market	0.72%	0.5%	0.46%	0.24%	0.21%

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.

*Climate-focused fund: The investment performance information for the Climate-focused fund is not available at this time as the fund was introduced less than 12 months ago.

You can read a statement from the Trustee about market volatility and the impact on investments.

An update on the Lifetime Allowance

Since 2006, pension savings have been subject to a Lifetime Allowance (LTA)...

April 2024