F&C Lifestyle Funds

We first reviewed the F&C Lifestyle funds in July 2010 and since then there has been a number of changes arising from the merger with Thames River, so we have updated the report to reflect the current structure and workings of the funds. In particular, we look at the skill and experience of the fund management team and the performance and running of the funds. Whilst much of the factual information has been sourced from F&C we also provide our own comments and opinions from meetings with the managers and independent research.

This report is dated November 2010.

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February 2011 - see attached note following the departure of Paul Carne – F&C Lifestyle – Paul Carne 1102