AlphaSave - Sverige

Viktig information om AlphaSave ändringar:

Förslag om ändring av försäkringsvillkor för AlphaSave: Den 1:a april 2021 ändrades Svensk lag (En utvidgad rätt till återköp och flytt av fond- och depåförsäkringar), lagen ändrades ytterligare från 1:a juli 2022. Ändringen i lagen innebär att det nu finns begränsningar på de belopp och typer av avgifter som försäkringbolag som Aviva kan dra av från de pengar som ni tar ut ifrån er AlphaSave-försäkring. Dina försäkringsvillkor hänvisar till dessa avgifter som Återköpsavgifter.

Som ett resultat av lagändringen, och för våra kunders bästa intresse, så har Aviva bestämt att försäkringsvillkoren för AlphaSave ändras och alla Återköpsavgifter tas bort med omedelbar verkan.  Detta tillämpas när du tar ut pengar antingen genom del- eller fullt återköp. Detta är mer än vad den Svenska lagen kräver.

Som en del av ändringen i lagen så finns det två skillnader, beroende på när din AlphaSave-försäkrings startade:

Försäkringar som startades på eller efter 1:a juli 2007: Om du har gjort återköp eller uttag på din försäkring sedan 1:a april 2021 och din försäkring startade på eller efter 1:a juli 2007 så kommer vi lägga till lämpligt nummer av fondandelar till er försäkring för att ersätta er för eventuell återköpsavgift som har dragits.

Försäkringar som startades före 1:a juli 2007: Om din försäkring startade före 1:a juli 2007 så är du endast berättigad ersättning om du återköpte/tog ut pengar på eller efter 1:a juli 2022. Om detta är fallet så kommer vi lägga till lämpligt nummer av fondandelar till er försäkring för att ersätta er för eventuellt återköpsavgift som har dragits.

Återköpta försäkringar – Om du har återköpt din försäkring och har påverkats av återköpsavgiften så kommer Aviva kontakta dig angående vad som händer härnäst. Detta då det inte är möjligt att återinföra fondandelar på en försäkring som inte länge är aktiv. Aviva kommer skicka ut vidare brev med instruktion och för att be dig kontakta oss så att du kan bli verifierad och uppdaterad om våra nästa steg i processen. Verifieringsprocessen är viktig för att säkerhetsställa att kontakt har gjorts med korrekt person.

Om du har några funderingar eller frågor vänligen läs vårt dokument för frågor och svar (knappen nedan) eller kontakta oss så hjälper vi gärna till om din fråga inte besvaras där.

Om du vill ha mer information angående lagändringen vänligen kontakta din finansiella rådgivare i första hand, eller Aviva direkt. 

Fondcentrum

Se fonder, Fondfaktablad, dagspriser och resultatsiffror.

 

 

On 29th March 2019 Aviva Life and Pensions UK Limited, (UKLAP) the original provider of your policy transferred some of its insurance business to Aviva Life and Pensions Ireland Designated Activity Company (ALPIDAC), by way of a Court sanctioned insurance business transfer scheme under Part VII of the Financial Services and Markets Act 2000. From the 29th March 2019 the provider of your policy is now ALPIDAC.

ALPIDAC and UKLAP entered into a reinsurance treaty whereby UKLAP reinsured the transferred life assurance business on behalf of ALPIDAC.  This means the day-to-day administration of your policy is undertaken by UKLAP or one or more of its outsourced companies.

Sustainable Finance Disclosure Regulation

The European Union Sustainable Finance Disclosure Regulation (SFDR) is designed to improve the standard and transparency of sustainability related disclosures made in relation to financial products. This is to help investors understand the ESG (environmental, social, and governance) characteristics of the fund, along with the sustainability risks and impacts of those financial products.

While your product(s) are not open to new business, ‘Our Sustainability Policy’ explains ALPIDAC’s approach to the integration of sustainability risks into the investment process as well as also providing information on how the adverse impacts of investment decisions on sustainability factors are considered. 

Funds and SFDR criteria

A unit-linked fund is a pool of assets, looked after by a fund manager, that many individuals invest in.

Many of our unit-linked funds have underlying holdings in other funds which are managed by a different company. We refer to these types of holdings as “External fund holdings”.  These holdings may be managed by a different company in the Aviva Group (for example Aviva Investors UK Fund Services Limited) or by another fund management compa

 Where you invest in an external fund offered by a third-party investment manager you should refer to that fund managers website for information relating to their approach to sustainability information in relation to those funds. 

The SFDR requires fund managers to disclose how ESG (Environmental, social, and corporate governance) is integrated at the fund level.

Article 9

Funds that specifically have sustainable investments as their objective (for example investing in companies that aim to reduce carbon emissions).

Article 8

Funds that promote environmental and / or social characteristics but do not have sustainable investment as their core objective.

Article 6

Funds that have no sustainability focus or characteristics. they may include stocks that mioght be currently excluded from ESG focused funds such as tobacco companies. 

For information on whether a fund has any sustainable characteristics, please refer to the fund factsheets (where available) or contact customer services for more information.

SFDR Disclosures

SFDR requires Aviva to provide and make available sustainability related disclosure documents, these include Periodic Disclosures and Website Disclosures. You can access these disclosures for each fund you are invested in through the relevant hyperlinks provided in the Funds Table below. These documents are maintained and updated by the relevant fund managers and the latest versions are regualrly added to the Funds Table by Aviva. 

You will find the title of each fund you are invested in set out within your annual benefit statement (ABS). You should review your ABS in conjunction with the relevant disclosures available through the links provided below.

SFDR disclosure documents are subject to change in the future, and we will endeavour to ensure that the most recent links and documents are made available to you through our website, at the earliest opportunity. In the event that you cannot locate the relevant SFDR disclosure, you can contact us.

Funds Table

*This  fund is a UK domiciled fund that does not have any Sustainable Environmental, Social and Governance Characteristics, and is not covered by the SFDR regulation.  It has only been classified as Article 6,  as this is the most appropriate EU SFDR classification, for a UK fund with no sustainability objectives

**This fund is a UK domiciled fund and has Sustainable Environmental, Social and Governance Characteristics, however, it is not covered by the SFDR regulation.  It has only been classified as Article 6, as Aviva are unable to provide the relevant disclosures to support its sustainability objectives.

Aviva Insured Fund Name SFDR Category Article Fund Name Fund ISIN Periodic and Website Disclosures
Aviva Life abrdn Asia Pacific Sustainable Equity EUR OL Article 8 abrdn SICAV I Asia Pacific Sustainable Equity

LU0498180339


Periodic and Website Disclosures
Aviva Life Baring Eastern Europe EUR OL Article 6 Barings Global Umbrella Fund - Barings Eastern Europe Fund IE0004852103 SFDR Periodic Disclosure not required for Article 6
Aviva Life CT European Growth & Income EUR OL Article 6 CT Investment (LUX) I Fund - CT European Growth & Income Fund LU0515381530 SFDR Periodic Disclosure not required for Article 6
Aviva Life CT Diversified Growth EUR OL Article 6 CT Portfolios Fund - CT Diversified Growth LU0308885531 SFDR Periodic Disclosure not required for Article 6
Aviva Life Fidelity European Growth EUR OL Article 8 Fidelity European Growth Fund

LU0296857971


Periodic and Website Disclosures
Aviva Life Fidelity Global Multi-Asset Growth and Income EUR OL Article 6 Fidelity Funds - Global Multi Asset Growth & Income Fund LU0267387685 SFDR Periodic Disclosure not required for Article 6
Aviva Life Invesco Euro Corporate Bond EUR OL Article 8 Invesco Funds SICAV - Invesco Euro Corporate Bond Fund

LU0243957825


Periodic and Website Disclosures
Aviva Life JPM Global Balanced EUR OL Article 8 JPM Global Balanced

LU0070212591


Periodic and Website Disclosures
Aviva Life JPM Euroland Equity EUR OL Article 8 JPM Euroland Equity

LU0210529490


Periodic and Website Disclosures
Aviva Life JPM Euro Standard Money Market EUR OL Article 8 JPMorgan Liquidity Funds - EUR Standard Money Market VNAV Fund

LU2095450479


Periodic and Website Disclosures
Aviva Life BlackRock Sustainable Energy EUR OL Article 9 BlackRock Global Fund - Sustainable Energy Fund

LU0171289902

Periodic and Website Disclosures
Aviva Life Janus Henderson Horizon European Growth EUR OL Article 8 Janus Henderson Horizon European Growth Fund

LU0504465815


Periodic and Website Disclosures
Aviva Life Vanguard US 500 Stock Index EUR OL Article 6 Vanguard US 500 Stock Index  IE0032126645 SFDR Periodic Disclosure not required for Article 6
Aviva Life Morgan Stanley European Property EUR OL Article 8 Morgan Stanley European Property

LU0078113650

Periodic and Website Disclosures
*Aviva Life M&G Global Themes EUR OL Article 6 M&G Global Themes GB0030932676 SFDR Periodic Disclosure not applicable
Aviva Life Schroder Global Cities Real Estate EUR OL Article 9 Schroder International Selection Fund Global Cities Real Estate

LU0224509132

 

Periodic and Website Disclosures
Aviva Life Schroder Global Climate Change Equity EUR OL Article 8 Schroder International Selection Fund Global Climate Change Equity

LU0306804302

 

Periodic and Website Disclosures
*Aviva Life Ninety One Global Income Opportunities GBP OL Article 6 Ninety One Global Income Opportunities Fund GB0031074817 SFDR Periodic Disclosure not applicable
*Aviva Life Cash Deposit GBP OL Article 6 AI Money Market VNAV Fund Class A Life Income GB00BTF8B758 SFDR Periodic Disclosure not applicable
Aviva Life CT European Growth & Income GBP OL Article 6 CT Investment (LUX) I Fund - CT European Growth & Income Fund LU0515381027 SFDR Periodic Disclosure not required for Article 6
*Aviva Life CT Global Total Return Bond GBP OL Article 6 CT Global Total Return Bond (Hedged) GB0033145375 SFDR Periodic Disclosure not applicable
Aviva Life Ninety One UK Alpha GBP OL Article 6 Ninety One GS UK Alpha Fund LU0345775018 SFDR Periodic Disclosure not required for Article 6
Aviva Life JPM Sterling Standard Money Market GBP OL Article 8 JPMorgan Liquidity Funds - GBP Standard Money Market VNAV Fund

LU0088883458

 

Periodic and Website Disclosures
Aviva Life CT Diversified Growth GBP OL Article 6 CT Portfolios Fund - CT Diversified Growth LU0308885960 SFDR Periodic Disclosure not required for Article 6
*Aviva Life CT North American Equity GBP OL Article 6 CT North American Equity GB0033142703 SFDR Periodic Disclosure not applicable
Aviva Life Asia Pacific Equity GBP OL Article 6 AI Asia Pacific ex Japan Class A Life Income              
AI Japan Equity Class A Life Income                       
GB00BTF89V52  
GB00BTF89S24
SFDR Periodic Disclosure not required for Article 6
*Aviva Life UK Property GBP OL Article 6     SFDR Periodic Disclosure not applicable
**Aviva Life CT Responsible UK Equity Growth GBP OL Article 6 CT Responsible UK Equity GB0031873754 SFDR Periodic Disclosure not applicable
*Aviva Life CT UK Index Tracker GBP OL Article 6 CT Investment Funds (UK) ICVC - CT FTSE All-Share Tracker Fund GB0033138248 SFDR Periodic Disclosure not applicable
Aviva Life East Capital Balkans SEK OL Article 8 East Capital Balkans Accumulation Fund 

LU1941809938

 

Periodic and Website Disclosures

Aviva Life East Capital Eastern Europe SEK OL

 

Aviva Life East Capital Eastern Europe 2 SEK OL 

Article 6

 

 

Article 6

East Capital Eastern Europe

 

 

East Capital Eastern Europe

LU0944737724

 

 

LU2691059922 

SFDR Periodic Disclosure not required for Article 6

 

SFDR Periodic Disclosure not required for Article 6

Aviva Life Lannebo Smabolag SEK OL Article 8 Lannebo Smabolag Fund

SE0000740698

 

Periodic and Website Disclosures
Aviva Life Lannebo Sverige SEK OL Article 8 Lannebo Sverige Fund

SE0000740680

 

Periodic and Website Disclosures
Aviva Life Nordea Swedish Bond SEK OL Article 8 Nordea Swedish Bond

LU0064320186

 

Periodic and Website Disclosures
Aviva Life Nordea Swedish Short Term Bond SEK OL Article 8 Nordea Swedish Short-Term Bond Fund

LU0064321663

 

Periodic and Website Disclosures
Aviva Life abrdn Asia Pacific Sustainable Equity USD OL Article 8 abrdn SICAV I Asia Pacific Sustainable Equity

LU0011963245

 

Periodic and Website Disclosures
Aviva Life Morgan Stanley Global Bond USD OL Article 8 Morgan Stanley Global Bond

LU0073230426

 

Periodic and Website Disclosures
Aviva Life Templeton BRIC USD OL Article 6 Franklin Templeton Investment Funds - Templeton BRIC Fund LU0229945570 SFDR Periodic Disclosure not required for Article 6
Aviva Life Invesco Asian Equity USD OL Article 8 Invesco Funds - Invesco Asian Equity Fund

LU1775951525

 

Periodic and Website Disclosures
Aviva Life Invesco Asia Opportunities Equity USD OL Article 8 Invesco Funds SICAV - Invesco Asia Opportunities Equity Fund

LU0075112721

 

Periodic and Website Disclosures
Aviva Life Ninety One Global Environment USD OL Article 9 Ninety One GSF - Global Environment Fund

LU2298064838

 

Periodic and Website Disclosures
Aviva Life Ninety One Global Strategic Equity USD OL Article 6 Ninety One Global Strategy Fund - Global Strategic Equity Fund LU0345770993 SFDR Periodic Disclosure not required for Article 6
Aviva Life Ninety One American Franchise USD OL Article 8 Ninety One GS American Franchise Fund

LU0345774391

 

Periodic and Website Disclosures
Aviva Life BlackRock World Gold USD OL Article 6 BlackRock Global Funds - World Gold Fund LU0055631609 SFDR Periodic Disclosure not required for Article 6
Aviva Life BlackRock US Flexible Equity USD OL Article 8 BlackRock Global Funds - US Flexible Equity Fund

LU0154236417

 

Periodic and Website Disclosures
Aviva Life JPM USD Standard Money Market USD OL Article 8 JPMorgan Liquidity Funds - USD Standard Money Market VNAV Fund

LU0088277610

 

Periodic and Website Disclosures
Aviva Life Schroder ISF - Frontier Markets Equity USD OL Article 6 Schroder International Selection Fund Frontier Markets Equity LU0562313402 SFDR Periodic Disclosure not required for Article 6
Aviva Life & Pensions UK Limited FP With Profits Sub Fund Article 6     SFDR Periodic Disclosure not required for Article 6

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