Key features of the Aviva Stocks & Shares ISA Retirement J8656_RD02001_0416.indd 1

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The Basics for Investing in Stocks Although they are unpredictable over the short term, stocks have delivered superior returns over the long haul.

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• Economy
• Finance
• Money
• Stock market
• Financial ratios
• Valuation
• Fundamental analysis
• Equity securities
• Stock selection criterion
• Priceearnings ratio
• Growth stock
• Dividend yield

Gift & Estate Planning Giving Stocks & Mutual Funds Making the Most of Your Charitable Giving Stewarding the Giver and The Gift

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Aviva Stocks & Shares ISA Terms & Conditions Retirement J7773_RD02002_0316.indd 1

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Mid Caps are the New Small Caps Mark Farrell - Director, Institutional Marketing Conventional wisdom has long held that investing in small capitalization stocks typically rewards investors with excess returns. Generally

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IF ISA, CASH ISA OR STOCKS AND SHARES TRANSFER AUTHORITY FORM OPENING AN IF ISA ACCOUNT Complete sections 1, 2 and 3 to open your IF ISA account COMPLETING THIS FORM

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PROXY VOTING REPORT 2013 The summary for our proxy voting record for the period 1 July 2012 to 30 June 2013 is attached, covering both domestic and international stocks. Our proxy voting policy is that we are ‘committe

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• Political philosophy
• Democracy
• Direct democracy
• Elections
• Proxy voting
• Politics
• Electronic voting
• Trust law
• Australian Ethical Investment
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Stocks How Many Ounces of Gold Buy the Dow Jones Industrials Sell Buy Gold6

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14 OctoberIndex Adjustment for the Spin-off Proposal of COPL Pursuant to the announcements of China Overseas Land & Investment Limited (“China Overseas”, 0688) dated 9 October 2015 regarding the coming spin-of

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• Economy of Hong Kong
• Economy of Asia
• Economy
• Hang Seng Index Constituent Stocks
• China Overseas Land and Investment
• Hang Seng China-Affiliated Corporations Index Constitute Stock
• Shanghai-Hong Kong Stock Connect
• Hong Kong Stock Exchange

Low-Priced Securities Disclosure Low-Priced Securities (Penny and Sub Penny Stocks) The term “penny stock” generally refers to low-priced (below $5), speculative securities of very small companies. While penny stocks

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• Economy
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• Security
• U.S. Securities and Exchange Commission
• Day trading
• Settlement
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• Depository Trust & Clearing Corporation
• Short