abrdn MyFolio Enhanced ESG IV Fund Inst B Fixed Acc

OBJECTIVES AND INVESTMENT POLICY Investment Objective To generate growth over the long term (5 years or more) while being managed to a defined level of risk. The fund is part of the abrdn MyFolio Sustainable range, which offers five funds with different expected combinations of investment risk and return that follow the abrdn MyFolio Sustainable Investment Approach. This fund is risk level IV, which aims to be the second highest risk fund in this range. Risk Target: The defined level of risk referred to above that the management team is targeting is within the range of 60-90% of world stock markets (represented by the MSCI AC World Index), over 10 years. There is no certainty or promise that this target will be achieved. The Risk Target has been chosen as it represents a risk range which is appropriate for the fund. Performance Comparator: For comparison purposes, investors can compare the fund's long term performance to a basket of assets (before charges) with a risk profile at the lower range of the Risk Target stated above (i.e. 60% of world stock markets), which is considered appropriate given the investment policy and Risk Target of the fund. This basket is composed of, 60% MSCI AC World Index and 40% SONIA Index. Investment Policy Portfolio Securities - The fund will invest its assets in actively managed funds (which invest using manager discretion) and passively managed funds (which aim to replicate performance of a market index) including those managed by abrdn, to obtain broad exposure to a range of diversified investments. - Typically, at least 60% of the fund will be invested in assets traditionally viewed as being higher risk such as such as equities (company shares), high yield corporate bonds (which are like loans to companies that pay a high rate of but have a low credit rating), and emerging market bonds (which are like loans to companies or governments that pay a rate of interest, invested in regions including Eastern Europe, Asia, Africa, Latin America and the Middle East). - The rest of the fund is invested in a selection of other assets. These will include assets such as cash, assets that can be turned into cash quickly, government bonds (which are like loans to governments that pay interest) and investment grade corporate bonds (which are like loans to companies that pay interest and are typically regarded as having low default risk). - All funds selected will adhere to the abrdn MyFolio Sustainable Investment Approach (the "Investment Approach") available on www.abrdn.com under "Fund Centre". - This means they must have one of the following characteristics :i) Sustainable Funds - funds which explicitly target improved environmental, social and governance ("ESG") or sustainability related outcomes; or ii) Impact Funds - funds which aim to make a positive, measurable environmental and/or social impact alongside strong financial returns; or iii) Neutral Funds - funds which have no specific ESG or sustainability criteria within their investment objective or process. Neutral Funds will include holdings in cash, assets that can be turned into cash quickly, and government bonds. - The use of Neutral Funds is limited to 10% of the total portfolio. Management Process - The management team (the "Team") use their discretion (active management) to select funds within each asset class and ensure that the strategic asset allocation (long term proportions in each asset class) meets the fund's objectives. - The Team will review and analyse the investments within the underlying funds to assess alignment with the Investment Approach and meet with the fund managers to discuss the fund's philosophy. - For Sustainable Funds, the Team identify funds that explicitly consider and embed positive ESG factors when making investments. - For Impact Funds, analysis will include assessing whether investments are made in assets which focus on aiming to generate net-positive social and environmental impacts alongside positive financial returns. - With the exception of the Neutral Funds, the Team will only invest in funds that have an active engagement and voting policy. - Additionally, the fund seeks to avoid investment in companies which are related but not limited to tobacco, coal and weapons, as more particularly detailed in the Investment Approach. - Please note that the number contained in the fund name is not related to the SRRI contained in the Key Investor Information document (NURSKII). Derivatives and Techniques - The fund is not expected to invest in derivatives directly however it may invest in other funds which use derivatives. - Derivatives are linked to the value of other assets. In other words, they derive their price from one or more underlying asset. Investors in the fund may buy and sell shares on any dealing day (as defined in the Prospectus). If you invest in income shares, income from investments in the fund will be paid out to you. If you invest in accumulation shares, income will be added to the value of your shares. Recommendation: the fund may not be appropriate for investors who plan to withdraw their money within five years. Investors should satisfy themselves that their attitude to risk aligns with the risk profile of this fund before investing. The fund's realized volatility may not always be within the volatility band for the stated risk level and at times observing the asset allocation restrictions may limit capital growth.