We've written this fund factsheet assuming you have some experience of investing. This means that although we have tried to write as much as
possible in plain language, we may have used certain words or phrases that might not be familiar to you, particularly if you are new to investing. Its
purpose is to help you understand how the fund is invested and performing. You should not use it on its own for making investment decisions. It is
not an offer to buy or sell any investments or shares. If there's something you don't understand, please contact your adviser. If you don't have an
adviser, please call us, we can help you find one near you.
Sterling 7IM Balanced
December 2014
Fund objective
Sterling fund information
(as at 30/11/2014)
This Fund aims to provide a balance of income and capital appreciation. There may be some
risk to capital. The Fund invests predominantly in a range of collective investment vehicles
and securities managed by selected fund managers. The Fund will comprise a mixture of
income-generating assets and assets with scope for capital growth in real terms. The Fund
may use different asset classes, with investment primarily in equities and fixed interest with
no long-term preponderance to either class. The Fund may also invest in money market
instruments, deposits and warrants.
Launch date
17/11/2003
Buy price / sell price
184.10p / 174.80p
Fund size (£m)
112.7 (as at 28/11/2014)
ABI Sector
Mixed Investment 20%-60% Shrs
Fund charges*
2.04%
SEDOL
3384198
SEDOL codes © London Stock Exchange, reproduced under license
Mex ID
ISIN code
Crown rating
8SBL
GB0033841981
This fund invests in assets which tend to produce a good level of return. Over the longer term
these assets should generate real growth. There will be fluctuations in value, particularly over
shorter periods.
Asset split 1
Asset split not available.
The Zurich fund invests in 7IM Balanced
Information for 7IM Balanced
(as at 30/11/2014)
Launch date
Fund size (£m)
SEDOL
Fund features
12/12/2003
668.7 (as at 28/11/2014)
3395907
SEDOL codes © London Stock Exchange, reproduced under license
Fund management
company
Fund manager
Crown rating
7IM
7IM - Asset Allocation
Top holdings
(as at 31/10/2014)**
MSCI AC ASIA PACIFIC EX JAPAN
FUTURES
MSCI ALL COUNTRIES ASIA EX JAPAN
INDEX FUTURE
TOPIX FUTURES INDEX TOPIX FUTURES
INDEX
ASHMORE EM BOND TOTAL RETURN
MAJEDIE UK EQUITY
THREADNEEDLE UK EQUITY
MSCI USA EQUAL WEIGHT INDEX
FUTURE
EURO STOXX BANKS INDEX FUTURE
PZENA US LARGE CAP DYNAMIC VALUE
EQUITY
BAML JAPAN SMALL CAP CERT
4.00%
3.90%
3.50%
3.40%
3.30%
3.30%
3.00%
2.90%
2.90%
2.90%
* These are the charges that are deducted within
the unit price. Other charges which reduce the
number of units you hold may apply. For further
information please refer to your Terms and
Conditions.
** Sterling sources its funds data from Financial Express. The date shown reflects the
last available regional, sector and asset breakdown data provided by the fund's
administrator to Financial Express. The timeliness of this data is affected by the speed
and regularity of their publication by the fund administrator.
Sterling 7IM Balanced
December 2014
Things you need to know
We've based this information on our current
understanding of law and practice. We make every
effort to ensure that this information is helpful,
accurate and correct but it may change or may not
apply to your personal circumstances. Before
taking any action you should always check with an
appropriate adviser, as we cannot accept
responsibility for any action taken on the basis of
this information alone.
All funds carry some risk and you should consider
these before making any investment decision.
Investment returns are not guaranteed and the
value can fluctuate. The main factors which may
increase the risk of this fund include:
- the amount held in overseas assets,
- any concentration in specific areas or sectors,
- the amount invested in property or property
shares,
- the extent to which the fund invests in high yield
assets.
For further information about this fund please refer
to the charts on page one. For more explanation
and useful information about investments, please
refer to our guide -"Making investments clearer a guide for you". This as well as current fund prices
and performance is available at the website address
below.
Allied Zurich Holdings Limited (a member of the
Zurich Group) has a shareholding in 7IM and may
therefore benefit from investments in 7IM funds.
Cumulative fund performance (as at 30/11/2014)
% growth
6 mths
1 year
3 years
5 years
10 years
3.74%
6.65%
28.44%
34.26%
66.00%
Discrete fund performance (as at 30/09/2014)
30/09/2009 - 30/09/2010 - 30/09/2011 - 30/09/2012 - 30/09/2013 30/09/2010 30/09/2011 30/09/2012 30/09/2013 30/09/2014
% growth
7.53%
-4.22%
Annualised fund performance
(as at 30/11/2014)
8.58%
10.31%
5.86%
3 year statistical fund data
(as at 30/11/2014)
3 year
8.70%
Monthly volatility
1.52%
5 year
6.07%
Best 3 month return
6.91%
10 year
5.20%
Worst 3 month return
-4.33%
Discrete performance of ABI primary fund* (as at 30/11/2014)
30/11/2009 - 30/11/2010 - 30/11/2011 - 30/11/2012 - 30/11/2013 30/11/2010 30/11/2011 30/11/2012 30/11/2013 30/11/2014
% growth
8.53%
-3.68%
8.67%
10.82%
6.65%
Sector Average
7.78%
-0.08%
9.03%
8.17%
4.64%
2
4
3
2
1
94/241
223/266
172/285
87/296
47/305
Quartile
Rank
* This data shows the performance of the primary unit series for the fund.
The primary unit series is the series of the fund that applies to most customers.
Performance of ABI primary fund (over 5 years to 30/11/2014)
35
Primary fund for Sterling 7IM Balanced
Mixed Investment 20%-60% Shrs
30
25
20
15
10
5
0
Jan 10
Jul
Oct
Apr 11
Oct
Apr 12
Oct
Apr 13
Oct
Apr 14
Oct
30/11/2009 - 28/11/2014 Powered by data from FE
0870 909 6010
www.sterling-assurance.co.
uk
Source: Financial Express as at 30/11/2014. You shouldn't use past performance as a suggestion
of future performance. It shouldn't be the main or sole reason for making an investment
decision. The value of investments and any income from them can fall as well as rise and will
be reduced in real terms by the effects of inflation. You may not get back the amount you
invested. HM Revenue and Customs (HMRC) practice and law are complex. Tax concessions
are not guaranteed, their value will depend on individual circumstances and may change in
the future.
Fund performance data is based on a selling price basis and doesn't take into account fees and
expenses which are specific to individual plans. Details are available on request.
Sterling is a trading name of Zurich Assurance Ltd. Registered in England and Wales under company number 02456671.
Registered office: The Grange, Bishops Cleeve, Cheltenham, GL52 8XX.
We may record or monitor calls to improve our service.