Market returns

Equity Markets

FTSE 100 Index (UK) FTSE 250 Index (UK Mid Cap) FTSE All-Share Index (UK) FTSE AIM All-Share S&P 500 Index (USA) MSCI Europe Ex UK Index Topix (Japan) MSCI Emerging Markets Index

6 Months % 1 Year % 3 Years % 5 Years %

10 Years %

15.20 28.55 5.30 34.76 64.22 24.55 56.88 19.59 48.03 141.99

17.38 34.06 8.46 38.19 77.07

24.74 84.92 23.04 81.01 49.40 12.37 46.30 60.53 117.18 313.83 10.66 38.90 24.71 66.80 102.57 9.52 32.38 19.98 75.51 154.27 15.83 45.67 24.71 89.06 67.85

Fixed Interest

FTSE Actuaries UK Conventional Gilts All Stocks -5.25 -5.59 9.27 15.56 60.64 UT Sterling Corporate Bond Sector 0.25 8.05 13.54 24.77 64.69 UT Sterling High Yield Sector 7.30 24.45 15.36 32.17 61.83

Property

Composite Property Benchmark*

Other Measures

Bank of England Base Rate UK Retail Price UK Consumer Price 1.30 -0.78 -1.26 2.85 32.11

0.05 0.10 1.48 2.18 4.76 0.58 1.16 6.36 13.37 27.31 0.00 0.46 3.90 8.88 18.33

* Property benchmark is a composite of all eligible funds in the UT Property sector.

Risk warnings and notes

Past performance is never a guide to future performance. Investments will fall as well as rise. Any performance targets shown are what we believe are realistic long-term returns. They are never guaranteed. None of the information in this document constitutes a recommendation. Please contact your adviser before taking any action. Unless stated otherwise:

• All performance statistics are from Financial Express

Analytics on a bid-bid basis with income reinvested. • All performance data is to 5 April 2021. • Model portfolio performance is stated after a 0.75% financial planning fee, 0.25% investment management fee and platform cost of 0.2% per annum. • Your own performance may vary from the model due to dividend pay dates, transaction dates, contributions and withdrawals.

• Actual performance may also differ slightly due to constraints over how we can reflect fees and discounts from fund managers. These are assumed not to change over the whole investment period. In reality, discount levels change as we change the funds in which we invest.

• Individual sector portfolios are shown with no charges taken off or fund manager discounts applied. For details of your own portfolio performance, please refer to your half-yearly statement from the wrap platform in which you are invested. We will also provide personalised performance information at your regular reviews.