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      <p begin="00:00:00.000" end="00:00:01.679">You’ve got money to invest,</p>
      <p begin="00:00:01.937" end="00:00:03.379">maybe in a pension</p>
      <p begin="00:00:03.476" end="00:00:04.963">or investment product</p>
      <p begin="00:00:05.216" end="00:00:07.415">And you know that investment funds</p>
      <p begin="00:00:07.451" end="00:00:10.939">can be a good place to save your<br />money over the long term.</p>
      <p begin="00:00:16.180" end="00:00:19.179">But which funds are right for you?</p>
      <p begin="00:00:19.228" end="00:00:22.516">There are hundreds of investment<br />funds to choose from</p>
      <p begin="00:00:22.542" end="00:00:24.358">each with their own approach.</p>
      <p begin="00:00:24.407" end="00:00:28.310">You can choose between asset classes<br />like property or equities.</p>
      <p begin="00:00:28.493" end="00:00:31.803">Countries from Ireland to<br />China and beyond.</p>
      <p begin="00:00:32.037" end="00:00:35.284">Sectors such as energy or technology.</p>
      <p begin="00:00:35.371" end="00:00:38.335">All with different levels<br />of risk and reward.</p>
      <p begin="00:00:38.657" end="00:00:40.657">With so many things to consider,</p>
      <p begin="00:00:40.706" end="00:00:43.002">it can be hard to know where to start.</p>
      <p begin="00:00:43.020" end="00:00:46.231">And once you have decided<br />which funds to invest in,</p>
      <p begin="00:00:46.261" end="00:00:49.289">you need to keep an eye on<br />how they’re performing.</p>
      <p begin="00:00:49.596" end="00:00:50.967">But Standard Life</p>
      <p begin="00:00:51.036" end="00:00:54.943">makes investment choice<br /> easier with MyFolio funds.</p>
      <p begin="00:00:55.130" end="00:00:58.778">Standard Life Investments have<br />created a range of readymade,</p>
      <p begin="00:00:58.815" end="00:01:00.594">risk-based funds.</p>
      <p begin="00:01:00.910" end="00:01:03.588">There are five MyFolio<br />funds to choose from,</p>
      <p begin="00:01:03.598" end="00:01:05.905">and each has a different risk level.</p>
      <p begin="00:01:06.180" end="00:01:08.714">These funds contain a range of investments</p>
      <p begin="00:01:08.736" end="00:01:11.219">designed to maximise potential returns</p>
      <p begin="00:01:11.238" end="00:01:13.238">for your chosen level of risk.</p>
      <p begin="00:01:13.645" end="00:01:17.701">Each MyFolio fund holds a combination<br />of lower risk assets,</p>
      <p begin="00:01:17.724" end="00:01:19.522">such as cash and bonds,</p>
      <p begin="00:01:19.545" end="00:01:23.197">and higher risk assets, such<br />as equities and property.</p>
      <p begin="00:01:24.136" end="00:01:28.756">You can invest in MyFolio funds through<br />Standard Life’s range of pensions,</p>
      <p begin="00:01:28.835" end="00:01:31.508">savings and investment products.</p>
      <p begin="00:01:32.008" end="00:01:34.008">And if your circumstances change,</p>
      <p begin="00:01:34.035" end="00:01:37.973">it’s easy to switch between<br />the five MyFolio funds.</p>
      <p begin="00:01:38.069" end="00:01:40.069">Once you’ve invested your money,</p>
      <p begin="00:01:40.110" end="00:01:43.500">you can be confident that our<br />fund managers ensure</p>
      <p begin="00:01:43.530" end="00:01:46.643">that the fund stays within <br />the appropriate risk level </p>
      <p begin="00:01:46.669" end="00:01:50.590">And our fund managers are constantly<br />monitoring the markets,</p>
      <p begin="00:01:50.616" end="00:01:54.991">so that they can quickly take advantage<br />of opportunities as they arise. </p>
      <p begin="00:01:55.042" end="00:01:57.042">MyFolio funds.</p>
      <p begin="00:01:57.077" end="00:01:59.890">Making your investment choices easier.</p>
      <p begin="00:02:04.266" end="00:02:07.025">Standard Life, The Way Forward.</p>
      <p begin="00:02:32.196" end="00:02:34.196"></p>
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