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Markets
Markets are a way of dividing the large number of funds available into smaller groups that invest in similar asset types, such as equities or fixed income, or investment strategies. This enables comparison of performance and charges of funds within the same group.
Geographic region
Geographic region refers to the location in which the fund is mainly invested, for example a UK equity fund would be expected to invest in the shares of companies listed on the UK stock market.
Ongoing charges figure (OCF)
This charge is levied by the fund management company to cover the costs and expenses of managing the fund. The ongoing charge excludes any performance fees or portfolio transaction costs. Please note, the OCF is variable and may change over time.
Risk rating
The risk indicator shows the level of risk of a fund on a scale of 1 to 7, where 1 represents lower risk funds with potentially lower returns and 7 represents higher risk funds with potentially higher returns but a greater chance that you could lose money. The risk indicator is based on historical data so it may not be a reliable indication of the future risk profile of a fund, and it may change over time. Even the lowest risk fund will carry some risk, so you may not get back the original amount you invested. More information can be found in the KIID.
Fund management style
In an active fund, the fund provider will try to maximise its performance. A passive fund (index tracker) will aim to track the performance of an index (e.g. FTSE 100) or commodity (e.g. gold).
Environmental, Social and Governance (ESG)
The MSCI data items used in the tool consider the percentage of a fund's portfolio market value exposed to companies that do not meet each preference. When a preference is selected then any fund which returns a percentage value greater than zero percent for your chosen preference will be excluded from the updated count and display of funds matching your choices.
To be rated by MSCI ESG Fund Ratings, a fund needs to meet these rules:
- At least 65% of the fund's holdings has been researched by MSCI.
- The fund's reported holdings must be from within the last year.
- The fund must have at least 10 holdings.
- It can't be classified as a commodity fund (Commodity funds are mutual funds that invest in the trade of a specific commodity, such as oil, minerals, gold, etc)
Even if a fund doesn't meet the 65% coverage rule but meets the other conditions, ESG Ratings and measures are calculated, but reports aren't issued for these funds. If a fund hasn't been ranked by MSCI, it won't be included in your search results.
MSCI criteria may be subject to change and therefore if you are interested in learning more about how MSCI evaluates funds, the full and up to date comprehensive ESG Ratings Methodology can be found here: ESG Ratings Methodology
Environmental Issues
High impact fossil fuels
Minimise companies with reserves of the most environmentally damaging fossil fuels. These could include coal to produce electricity, types of oil and gas.
This is calculated using the percentage of the portfolio's market value exposed to companies that own high impact fossil fuel reserves.
Nuclear power
Reduce companies that support or invest in nuclear power.
This is calculated using the percentage of the portfolio's market value exposed to companies flagged for involvement in nuclear power according to our Highly Restrictive screen definition. This includes all utilities with nuclear power generation operations and suppliers to the nuclear power industry if the revenue is 5% or more. The full weight of each flagged company is included in the calculation.
Environmental controversies
Reduce companies facing environmental controversies related to issues such as land, air and water pollution, as well as overuse of natural resources.
This is calculated based on the portfolio's market value exposed to companies facing one or more Severe or Very Severe Environmental controversies related to Energy & Climate Change, Land Use & Biodiversity, Toxic Spills & Releases, Water Stress, or Operational Waste.
Water waste
Reduce companies that use excessive amounts of water, especially in areas where water supplies are low.
This is calculated based on the percentage of the portfolio's market value exposed to companies with operations in lines of business that are typically highly water intensive.
Palm oil
Reduce companies who produce, distribute or own palm oil.
This is calculated based on the percentage of the portfolio's market value exposed to companies flagged for involvement in palm oil according to our Highly Restrictive screen definition. This includes palm oil producers, and distributors that derive 5% or more of revenue. The full weight of each flagged company is included in the calculation.
Social Issues
Unfair employment practices
Reduce employers who don’t have fair labour practices such as paying living wages and ensuring safe and hygienic working conditions.
This is calculated based on the percentage of the portfolio's market value exposed to companies in violation of the International Labour Organization's broader set of labor standards.
Controversial military weapons
Reduce companies linked to controversial military weapons such as landmines, chemical weapons and cluster munitions (weapons that release lots of smaller explosives)
This is calculated based on the percentage of the portfolio's market value exposed to companies with ties to cluster munitions, landmines, biological / chemical weapons, depleted uranium weapons, blinding laser weapons, incendiary weapons, and/or non-detectable fragments.
Gambling
Reduce companies that support or invest in gambling.
This is calculated based on the percentage of the portfolio's market value exposed to companies flagged for involvement in gambling according to our Highly Restrictive screen definition. This includes all gambling facility operators as well as support products & services if the revenue is 5% or more. The full weight of each flagged company is Included in the calculation.
Alcohol
Reduce companies that support or invest in alcohol.
This is calculated based on the percentage of the portfolio's market value exposed to companies flagged for involvement in alcohol according to our Highly Restrictive screen definition. This includes all alcohol producers as well as alcohol distributors, suppliers, and retailers if the combined revenue is 5% or more. The full weight of each flagged company is included in the calculation.
Tobacco
Reduce companies that support or invest in tobacco.
This is calculated based on the percentage of the portfolio's market value exposed to companies flagged for involvement in tobacco according to our Highly Restrictive screen definition. This includes all tobacco producers as well as tobacco distributors, suppliers, and retailers if the combined revenue is 5% or more. The full weight of each flagged company is included in the calculation.
Animal testing
Reduce companies that test products on animals.
This is calculated based on the percentage of the portfolio's market value exposed to companies flagged for involvement in animal welfare according to our Highly Restrictive screen definition. This includes animal testing, factory farming, exhibiting animals, and breeding animals. The full weight of each flagged company is included in the calculation.
Adult entertainment
Reduce companies that support or invest in adult entertainment.
This is calculated based on the percentage of the portfolio's market value exposed to companies flagged for involvement in adult entertainment according to our Highly Restrictive screen definition. This includes all adult entertainment producers as well as adult entertainment distributors and retailers if the total revenue is 5% or more. The full weight of each flagged company is included in the calculation.
Governance Issues
Gender diverse leadership
Reduce companies with no female directors on their boards.
This is calculated based on the percentage of the portfolio's market value exposed to companies with no female directors.
Major governance controversies
Reduce companies facing serious controversies related to issues such as financial crime, unethical investments, and unethical governance structures.
This is calculated based on the percentage of the portfolio's market value exposed to companies facing one or more Very Severe Governance controversies related to bribery, fraud, controversial Investments, and governance structures.
Major customer controversies
Reduce companies facing serious controversies in areas such as Competitive Practices, Privacy and Data, and Product Safety.
This is calculated based on the percentage of the portfolio's market value exposed to companies facing one or more Very Severe Governance controversies related to Anticompetitive Practices, Customer Relations, Market & Advertising, Privacy & Data Security, or Product Safety.
Experts' shortlist
Aviva Investors have put together a list of funds they believe stand out from the crowd and are worth your consideration. These funds have passed specific checks and tests and are reviewed regularly to ensure they meet the high standards of the shortlist.
Data explained
Ongoing charges figure (OCF)
This charge is levied by the fund management company to cover the costs and expenses of managing the fund. The ongoing charge excludes any performance fees or portfolio transaction costs. Please note, the OCF is variable and may change over time.
Risk rating
The risk indicator shows the level of risk of a fund on a scale of 1 to 7, where 1 represents lower risk funds with potentially lower returns and 7 represents higher risk funds with potentially higher returns but a greater chance that you could lose money. The risk indicator is based on historical data so it may not be a reliable indication of the future risk profile of a fund, and it may change over time. Even the lowest risk fund will carry some risk, so you may not get back the original amount you invested. More information can be found in the KIID.
Yield
The variable percentage yield based on the fund's last reported annual distribution and the latest closing price.
Past performance
The performance of the fund expressed as a percentage based on a set period of time, usually a 12-month period and displayed for the last 5 years where the fund has been available to invest over that period.
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Nothing on this site is personalised advice or a recommendation. If you need a personalised recommendation based on your personal circumstances, you should seek financial advice.
Pension product provided by: Aviva Pension Trustees UK Limited. Registered in England No. 2407799. Aviva, Wellington Row, York, YO90 1WR. Authorised and regulated by the Financial Conduct Authority. Firm Reference Number 465132.
Platform provider: Aviva Wrap UK Limited. Registered in England No. 4470008. Aviva, Wellington Row, York, YO90 1WR. Authorised and regulated by the Financial Conduct Authority. Firm Reference Number 231530.