* Investment costs are based on estimated and actual information from the previous financial year. The costs payable in future years may be higher or lower. Administration and other costs apply. For a full breakdown of fees and costs, see our fees and costs page or Section 6 of the Member Guide. 
^ The International Shares – Emerging Markets option was introduced on 18 March 2022. Investment return over 10 years to 31 October 2023, net of investment fees and costs. Administration and other costs apply. Returns won’t display for options younger than 10 years. See the investment returns page for returns over all available periods.

Investment managers may invest a proportion of this option’s assets in cash for management purposes from time to time.