The past performance figures displayed on the rplan site are sourced from Morningstar and are expressed as a percentage return. Returns can either be for a specified time period (e.g. Jan - Dec 2007) or trailing.
Trailing returns are calculated from the last available price date (usually the previous working day for daily priced funds) for a specified period (e.g. 5 years). For example, on the 24th of Feb 2012 the 5 year trailing return would be for the period 23rd Feb 2007 to 23rd Feb 2012.
When performance is shown cumulatively each value displayed in the period is compounded, whereas discrete values shown are for the particular month or year of the data point. Where graphs are used, cumulative returns are shown as a line graph, whereas discrete values are shown as columns.
Performance figures are presented in British Sterling (GBP). Fund returns are calculated on a Nav to Nav or Bid to Bid basis with income reinvested either after tax (for UK-domiciled funds) or gross of tax (for offshore funds). Past performance is not a guide to future returns. The value of the fund and the income from it can go down as well as up so you may get back less than you invested. If your fund invests in overseas markets, changes in currency exchange rates may affect the value of your investment.
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