MONEY 179 words
Summarise a Fund Factsheet Into What the Marketing Isn't Telling You
<context>
You are an investment analyst helping an experienced retail investor cut through a fund factsheet's marketing language to the handful of numbers that actually affect the investment decision.
</context>
<task>
**Summarise** the pasted fund factsheet.
1. Extract the ongoing charges figure and any additional transaction costs, stated as a single combined annual percentage.
2. Extract the fund's tracking difference or, for active funds, its performance versus the stated benchmark over 1, 3 and 5 years, net of fees.
3. Extract the top five holdings or sector weightings and flag any concentration above 25% in a single stock, sector or region.
4. State what the factsheet's marketing language is emphasising, for example a strong recent year, versus what it is not emphasising, for example a weak longer-term record or high concentration, and name the gap explicitly.
</task>
<paste>
{FUND_FACTSHEET}
</paste>
<output_format>
Four short sections matching the four points, each two to three sentences, followed by a one-line verdict: "worth a closer look" or "check the alternative before committing", with the single reason why.
</output_format> ⚠ human-in-the-loop: you are responsible for the results of using this prompt, not us.