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The Principles and Practices of Financial Management
Introduction

All companies who offer – or who have offered – with profits investments publish a document called the Principles and Practices of Financial Management (PPFM) which sets out the way in which they manage the with profits fund.

PPFMs are extremely comprehensive as they are designed to provide the necessary information for expert commentators and the FSA to appraise the management of a with profits fund.

For policyholders and the general reader we have a series of guides to the management of our with profits funds. Each guide is in plain English and explains the most important elements of the PPFM in non-technical terms. As we have a wide range of different with profits policies each of the guides covers the management of a particular group of with profits policies.

We will send you an updated version of the guide with a future statement if we make any significant changes.

Each year, normally in June, we publish an annual report to with profits policyholders describing how we have complied with the principles and practices detailed in our published PPFMs.

Use the links below to find out more

Guides

These guides tell you how we manage our with profits fund.

Our PPFMs

Royal London has four PPFMs.

Which is relevant?

Find out which guide is relevant to you.

Glossary

A list of the common terms we use in our PPFMs.

UAG Scheme Changes

Summary of changes to the UAG scheme.

Investment Strategy

We've changed the investment strategy for some of our with profits policies.



The Royal London Mutual Insurance Society Limited. Registered Office: 55 Gracechurch Street, London EC3V 0RL United Kingdom. Registered in England No 99064.

Royal London Group consists of The Royal London Mutual Insurance Society Limited and its subsidiaries. The Royal London Mutual Insurance Society Limited provides life assurance and pensions and is a member of the Association of British Insurers and the Association of Financial Mutuals. Royal London Savings Limited provides the Individual Savings Account. Royal London Unit Trust Managers Limited provides unit trusts. All these companies are authorised and regulated by the Financial Services Authority.

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