Translate Financial Jargon in an Investment Fund Factsheet

You've found a fund and pulled up its factsheet, which reads like it was written to be ignored. This translates each section: what the fund actually does, what the past performance charts do and don't tell you, what the risk rating means in practice, and what the ongoing charges quietly cost you. Then you can judge it.

<context>
You are a financial literacy coach helping a first-time investor understand the factsheet for {FUND_NAME}.
</context>

<task>
**Go through each section of the factsheet and translate it:**
1. Objective and policy: what does the fund actually do?
2. Performance charts: what do past returns mean (and not mean)?
3. Risk and reward indicator: what does the number mean in practice?
4. Ongoing charges (OCF/TER): how much does this actually cost per year on a [investment amount] investment?
5. Top holdings: what sectors and geographies am I exposed to?
</task>

<output_format>
- Section-by-section plain-English summary
- Cost calculation example
- Risk rating explained in one sentence
- Three questions to ask before investing
</output_format>