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Supplementing Regulation (EU) No 1286/2014 of the European Parliament and of the Council on key information documents for packaged retail and insurance-based investment products (PRIIPs) by laying down regulatory technical standards with regard to the presentation, content, review and revision of key information documents and the conditions for fulfilling the requirement to provide such documents (Text with EEA relevance)
ANNEX VII

ANNEX VII — PRESENTATION OF COSTS

    The Reduction in Yield (RIY) shows what impact the total costs you pay will have on the investment return you might get. The total costs take into account one-off, ongoing and incidental costs.

    The amounts shown here are the cumulative costs of the product itself, for three different holding periods. They include potential early exit penalties. The figures assume you invest [EUR 10000 (OR EUR 1000 each year for regular premium PRIIPs)]. The figures are estimates and may change in the future.

      Table 1

      Cost over time

      The person selling you or advising you about this product may charge you other costs. If so, this person will provide you with information about these costs, and show you the impact that all costs will have on your investment over time.

      Table 2

      Composition of costs

      The table below shows:

  • the impact each year of the different types of costs on the investment return you might get at the end of the recommended holding period;
  • the meaning of the different cost categories.

For PRIIPs offering a range of options for investment, PRIIP manufacturers shall use the table 1 and table 2 of this Annex for the presentation of the costs, showing for each of the figures in each table, as relevant, the range of the costs.