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INVESTING WITH OLD MUTUAL WEALTH YOUR FINANCIAL JOURNEY

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Old Mutual Wealth is part of Quilter, a leading wealth management business in the UK. Our aim is to help people achieve their financial goals in order to create prosperity for the generations of today and tomorrow.

In this brochure we outline what we can offer you and what it’s like to invest with us.

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YOU AND YOUR ADVISER 4

HOW DOES OLD MUTUAL WEALTH FIT IN? 5

STARTING YOUR JOURNEY 6

YOUR VISION OF THE FUTURE 7

GROWING YOUR INVESTMENTS 8

WORKING FOR YOU 9

OUR INVESTMENT PRODUCTS 10

THE COST OF YOUR INVESTMENT 11

WITH YOU FOR LIFE 12

YOU’RE IN CONTROL 13

RELAX, YOU’RE IN GOOD HANDS 14

CONTENTS

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Welcome to Old Mutual Wealth. You may have heard of us already or you may be new to us. You can only invest with us through a financial adviser as we believe that you can best achieve your goals by receiving professional advice.

The way we do things is based around the principle of a three-way relationship between you, your adviser and Old Mutual Wealth. Your financial adviser must understand your needs in order to recommend the right course of action, so it’s important you have a close working relationship with them.

Once they have a detailed understanding of your needs, they will provide advice on the way to achieve your goals.

If you wish, they’ll then continue to monitor the performance of your chosen investments over time, giving you regular updates and recommending any changes that may be necessary as your needs, and the market, change.

YOU AND YOUR ADVISER

YOUR ADVISER

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HOW WE WORK

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Our aim is to make your financial goals achievable. We do this by giving you and your financial adviser workable solutions to meet your needs.

HOW DOES OLD MUTUAL WEALTH FIT IN?

A STRONG AND STABLE BACKING FOR YOUR INVESTMENT

When you invest you want to know your money is being well looked after. The more financially secure and established a company is, the less chance there is of it being unable to meet its financial liabilities. You can be reassured that Old Mutual Wealth is a well-run, successful company.

Old Mutual Wealth is part of Quilter, a leading provider of advice, investments and wealth management both in the UK and internationally, managing over £118.7 billion of investments on behalf of over 900,000 customers (as at 30 September 2019).

Our offering also includes asset management solutions and discretionary management.

FIND OUT MORE:You can find out more about how your money is protected when you invest with Old Mutual Wealth in our ‘Protecting your money’ document. Please ask your financial adviser for a copy.

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Whatever you want to achieve, Old Mutual Wealth provides simple ways to create solutions for your individual investment needs.

STARTING YOUR JOURNEY

Our investment solutions are designed to give you and your financial adviser the power to determine an investment formula which is right for you, based on your long-term goals, circumstances and attitude to risk.

We put you in control by letting you see your investments with us in one place and helping you understand the strategy that lies behind them – so you can plan for the future you want, not just hope for the best.

WHAT ARE YOUR FINANCIAL GOALS?

‘I want to enjoy life and do the things I’ve planned’

‘I want to understand how my investments work and

how much they cost’‘I want the power

to take control of my financial future’

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One of your key objectives is likely to be to maximise the growth on your investments during the years that you have an income – then to ensure you have the flexibility to use the proceeds in a way that suits you, while your investments continue to work for you.

YOUR VISION OF THE FUTURE

Investment products (such as pensions, ISAs and bonds) are designed to maximise tax advantages in order to achieve different aims. Yet they all have one thing in common: they provide a way for you to invest in your chosen funds. It’s the performance of these investment funds that will ultimately dictate how much profit or loss you will make.

The money is managed by a fund manager

A fund pools together the money from individual investors

Using their experience, the manager will aim to grow investors’ money

The manager may invest in different assets (see page 8)

HOW ARE MODERN INVESTMENTS MORE FLEXIBLE?

Financial services used to be dominated by products that promised to deliver an outcome at the end of a given term. There was little opportunity to change investments or structure during the investment term. The new model for investing recognises that your aims and attitudes to risk change over time; so it makes it easy for you to move funds quickly and for minimal cost. It allows you to do this without compromising on choice and flexibility of the funds available.

WHAT IS A FUND?

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All investments carry a degree of risk, and your financial adviser will discuss with you how much risk you are willing and able to take before recommending a suitable portfolio of funds.

Depending on what they invest in, funds are categorised under a number of major asset classes. Different types of assets will perform better or worse in different situations. Your financial adviser may suggest that you change (or ‘switch’) your investment funds at different times to meet your needs.

One of the best ways to manage risk is through diversification – in other words, spreading your investment between different asset classes. That way, if one of your investments is underperforming, its losses can be balanced by gains from another.

The beauty of investing with Old Mutual Wealth is that, while you and your financial adviser can manage your whole portfolio centrally, you still have access to more than 1,700 funds in a variety of asset classes.

Alternatively, our Wealth Select Managed Portfolio Service provides access to actively managed portfolios managed by our investment experts at Quilter Investors, available with no additional management cost.

Your financial adviser will help you choose the right option for you.

Fund performance is never guaranteed, and you should be conscious that the value of your investments may fall as well as rise and you may not get back what you put in.

FIND OUT MORE:You can read more about investing on our website, www.oldmutualwealth.co.uk

GROWING YOUR INVESTMENTS

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When you invest with Old Mutual Wealth you benefit from the expertise of investment professionals who are dedicated to getting the best for you. We bring these experts together to make the process of investing simple and straightforward.

WORKING FOR YOU

FUND MANAGERS• Managing the funds you invest in• Adhering to the fund’s objectives• Ensuring the fund matches its risk profile, where applicable

OLD MUTUAL WEALTH• Providing you access to investment products and funds • Giving your adviser access to online tools to set up

and monitor your investment• Processing your instructions and transactions• Sending you valuations and statements• Making changes to your portfolio when requested

YOUR FINANCIAL ADVISER• Discussing and agreeing with you your objectives and risk level• Making investment recommendations• Providing you with performance updates• Reviewing your financial circumstances

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With us, you can invest in your chosen funds through a range of financial products:

Details of these products and the risks involved can be found in their respective Key Features Documents available from your financial adviser.

The Old Mutual Wealth ISA and Old Mutual Wealth Collective Investment Account are provided by Old Mutual Wealth Limited. The Collective Retirement Account and Collective Investment Bond are provided by Old Mutual Wealth Life & Pensions Limited.

Old Mutual Wealth Limited and Old Mutual Wealth Life & Pensions Limited are part of Quilter plc.

OUR INVESTMENT PRODUCTS

COLLECTIVE RETIREMENT ACCOUNT

The Collective Retirement Account is one of the most flexible pension schemes available in the UK. It offers the opportunity to accumulate savings while enjoying certain tax benefits. It also provides nine flexible ways to take retirement benefits, all within the same account.

INDIVIDUAL SAVINGS ACCOUNT (ISA)

An ISA is one of the most tax-efficient methods of investing, whether it’s in a lump sum or regular amounts. Your Old Mutual Wealth ISA can be invested into many different funds, allowing you to choose where you want to invest and how much risk you want to take.

COLLECTIVE INVESTMENT ACCOUNT

The Collective Investment Account is a convenient way for you to hold a wide range of unit trusts. This account is often used by investors who have used up their annual ISA allowance.

COLLECTIVE INVESTMENT BOND

This provides a flexible method of investing in funds, with the potential for growth over the medium to long term. You can, if you wish, take regular withdrawals. The Collective Investment Bond can also be placed into trust, to potentially reduce inheritance tax, for example. Your financial adviser can tell you more about this.

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When you make an investment there are three main parties involved, in addition to you as the investor:

• Your financial adviser.

• Old Mutual Wealth, the provider of your account or bond.

• The managers of the funds you choose for your account or bond.

THE COST OF YOUR INVESTMENT

Charges or fees are usually payable to each of the parties (shown opposite) involved in arranging and/or managing your investment. Their separate roles, and how their charges or fees are calculated and taken, are explained in a document called ‘Making the cost of investment clear’. Please ask your adviser for a copy.

OLD MUTUAL WEALTH’S CHARGEIndividual Savings Accounts (ISA) and Collective Investment Accounts (CIA)

When you invest in an ISA or CIA, we deduct a Service Charge from your account. The Service Charge is for providing and servicing your account and giving you direct access to invest in a range of funds.

Collective Retirement Accounts (CRA) and Collective Investment Bonds (CIB)

When you invest in a CRA or CIB, we deduct a Product Charge from your account or bond. The Product Charge is for providing and administering your bond or pension product, through which you can invest in a range of funds.

THE MORE YOU INVEST – THE LOWER THE CHARGE RATEYou can benefit from having more than one investment with us because we look at the combined value of your investments* in determining the charge rate you pay and then apply that rate to each of your investments. You can also request ‘family linking’, which will take into account the combined value of the investments you and your family* with Old Mutual Wealth at the time the charge is made. Your financial adviser will be able to help you with this.

** Applies to Individual Savings Accounts, Collective Investment Accounts, Collective Retirement Accounts and Collective Investment Bonds.

**AdviserAsset Analytics report, March 2019

FIND OUT MORE:Full details, including the level of our charges, can be found in ‘Making the cost of investment clear’. Please ask your financial adviser for a copy.

79%

Through our negotiations with fund managers,

OF THE FUNDS YOU CAN INVEST IN WITH US ARE THE LOWEST COST IN

THE MARKET**

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Range of products: ISA, pension and bond

Quick and easy fund switching

Superior customer service

Specialist tax, technical and

product support for your adviser

A complete suite of fund performance

monitoring and portfolio

management tools

Over 1,700 funds from

leading fund managers across

the world

Risk assessment tools developed in conjunction with leading industry risk-management

experts

Up-to-date reporting on investments

Transparent online view of your portfolio

in one placeRISK

ASSESSMENT

PORTFOLIO BUILDING

PRODUCT CHOICE

PERFORMANCE MONITORING

REVIEW AND RE-MODEL

YOUR ADVISER

YOU

To achieve the things you’ve planned, it’s important that your investments work for you now and throughout your life. Your financial adviser will assess numerous factors in recommending a suitable solution based on your individual situation – such as your needs, your aims and the balance of risk and reward you are comfortable with.

WITH YOU FOR LIFE

Crucially, these things must be re-assessed regularly to ensure your investments adapt to changes in your life and in the investment world. Our online portfolio management tools allow your financial adviser to be engaged with your wealth at all times, keeping you informed and giving you the flexibility to change your investments to help achieve your long-term goals. Remember, the value of your investments can go up and down and you may get back less than you invested.

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One way to gain control over your fund-based investments and ensure they can be monitored effectively is by consolidating them in one central place. When you invest with Old Mutual Wealth, you can access your investments quickly and easily.

Holding your investments in one place gives you and your adviser a sound base from which to make your investment decisions. You can enjoy access to a wide choice of funds, and a range of tax-efficient ways to hold them, in a single location.

And as our customer, you can view all of your investments with us at your convenience on our online Customer Centre, using your PC, tablet or smartphone.

BY REGISTERING FOR THE ONLINE CUSTOMER CENTRE YOU CAN:• view current valuations of the individual funds you are invested in, and the total value

of your portfolio

• access fund prices, performance data and factsheets

• view the key details of your account at a glance, such as the amount paid in and any withdrawals taken

• reduce paper and access your documents online*.

* for Collective Retirement Accounts, Collective Investment Bonds, Individual Savings Accounts and Collective Investment Accounts.

FIND OUT MORE:To make things easy, a user guide on how to register for our online service is available on our website www.oldmutualwealth.co.uk. Or ask your financial adviser for a copy.

YOU’RE IN CONTROL

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DEFAQTO SERVICE RATINGS 2019

• Gold Platform Service• Gold Pension Service

DEFAQTO 2018 PLATFORM SERVICE AWARDS

• Gold Platform Service Rating

DEFAQTO 2019 DIAMOND RATING

• 5 Diamond Rating for WealthSelect Managed Portfolio Service

ADVISER ASSET PLATINUM RATINGS 2014 - 2019 • Gold Standard Award for Pensions

GOLD STANDARD AWARDS 2017 - 2019

• Gold Standard Award for Pensions

MONEYFACTS INVESTMENT LIFE AND PENSIONS AWARDS 2018 & 2019

• Best Wrap Platform• Best Pension Service

FT ADVISER SERVICE AWARDS 2018

• Old Mutual Wealth Five Stars - Investments

OUR MOST RECENT AWARDS INCLUDE:

Having made the decision to invest with Old Mutual Wealth, when you do need to contact us, we’re dedicated to providing you with excellent service.

RELAX, YOU’RE IN GOOD HANDS

It is Old Mutual Wealth’s focused approach to customer service that has resulted in us winning the coveted Financial Adviser 5 Star Service Award 34 times since 1991, including the ‘Outstanding Achievement’ award; more than any other investment provider. We’ve also won awards in a number of different areas, from our pension to our online technology (or ‘platform’).

www.oldmutualwealth.co.uk

Please be aware that calls and electronic communications may be recorded for monitoring, regulatory and training purposes and records are available for at least five years.

Old Mutual Wealth is the trading name of Old Mutual Wealth Limited which provides an Individual Savings Account (ISA) and Collective Investment Account (CIA) and Old Mutual Wealth Life & Pensions Limited which provides a Collective Retirement Account (CRA) and Collective Investment Bond (CIB).

Old Mutual Wealth Limited and Old Mutual Wealth Life & Pensions Limited are registered in England and Wales under numbers 1680071 and 4163431 respectively. Registered Office at Old Mutual House, Portland Terrace, Southampton SO14 7EJ, United Kingdom.

Old Mutual Wealth Limited is authorised and regulated by the Financial Conduct Authority. Old Mutual Wealth Life & Pensions Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Their Financial Services register numbers are 165359 and 207977 respectively. VAT number 386 1301 59.

Quilter Investors is a trading name of Quilter Investors Limited. Authorised and regulated by the Financial Conduct Authority with FCA register number 208543. Registered in England & Wales under number 4227837. Registered office: Millennium Bridge House, 2 Lambeth Hill, London, England, EC4V 4AJ.

SK6412/220-0326/March 2020

Your investment may fall or rise in value and you may not get back what you put in.