Understanding investment documentation.

Understand the risks

Please remember that the value of an investment and the income from it can go down as well as up and you may get back less than you invested. We don't offer advice so if you are in any doubt about making your own investment decisions we recommend you seek advice from a suitably qualified financial adviser.

When you're looking at any investments, you'll come across a range of documents that are designed to help you understand what you're investing in and how it works.

This guide explains the main documents that are available and what information they usually cover. Some of them are widely used throughout the industry, and we've also developed some of our own to help you make the most of our range of managed growth funds. The documents that are produced for a particular fund will vary, depending on the fund manager and when it was launched.


Halifax is a division of Bank of Scotland plc. Bank of Scotland plc, Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh, EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.