Customer principles

Product design

1. Know the target market
We identify the characteristics of customers who are likely to be recommended any new product.

2. Understandable products
We design new products so that they can be fully understood by intermediaries recommending them and by customers in the target market.

3. Transparent products
We design products with clearly defined benefits and charges where the scope for any discretionary decisions on our part is minimised.

4. Fair charging structures
Our products have charging structures that are fair and transparent.

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Principles of ethical investment

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