Clarity, compliance, and confidence — tailored PRIIPs KID support from AN Valuations.
Are you required to provide a Key Information Document (KID) under the PRIIPs regulation? Whether you’re an asset manager, insurer, structured product issuer or advisor, complying with PRIIPs can be time-consuming and technically demanding. That’s where AN Valuations comes in. We offer specialist PRIIPs KID services that combine accuracy, efficiency and expert insight.
We support financial institutions across Europe and beyond with the preparation, calculation, and ongoing monitoring of PRIIPs-compliant KIDs, ensuring that your retail investment products meet current disclosure requirements.
PRIIPs (Packaged Retail and Insurance-based Investment Products) are investment products aimed at retail consumers. To address the complexities of PRIIPs, the European Union introduced regulations requiring producers and sellers of PRIIPs to provide investors with Key Information Documents (KIDs) for each investment product sold to retail clients in the European Economic Area (EEA).
The PRIIPs KID regulations require that a KID be accurate, fair, clear, and not misleading. Particular attention must be paid to the vocabulary and writing style used in the document. Retail investors should be able to understand the KID independently, without needing to refer to additional materials.
A KID is intended to help investors understand and compare investment risks so they can make informed decisions. The document focuses on market risk, credit risk, and liquidity risk. These risks should be aggregated where possible and presented numerically as a single Summary Risk Indicator (SRI), supported by clear narrative explanations.
Retail investors should receive clear information on return estimates based on realistic assumptions about possible outcomes and with market risk. This information should clearly reflect the uncertainty involved and show that a range of outcomes is possible.
The KID should provide information about potential consequences if a PRIIP is not able to pay distributions. Where applicable, it should also specify the extent of protection offered under any investment, insurance, or deposit guarantee schemes.
If you are selling to retail clients, a PRIIPs KID may be mandatory – whether you offer structured products, life insurance-based investments, alternative investment funds (AIFs), or derivatives.
At AN Valuations, we go beyond calculation-only offerings. We act as a trusted partner in your compliance process. Our service includes:
1. PRIIPs KID calculation support
2. Content & compliance consultancy
3. Monitoring & lifecycle management
Unlike large, platform-driven providers, we offer personalised, high-touch service. Our solutions are designed for asset managers, legal teams and product developers who want accuracy without bureaucracy.
Tailored. Independent. Experienced. Clients around the world rely on AN Valuations for:
✔️ Personalised service – We adapt our process to your internal workflows, not the other way around. ✔️ Regulatory expertise – AN Valuations, founded in 2012, has years of experience advising on PRIIPs and EU product governance frameworks. ✔️ Hands-on support – From the first draft to the final product, we’re with you every step of the way. ✔️ International reach – Trusted by institutions operating across the EU and beyond.
Whether you manage ten products or ten thousand, we help you remain compliant without losing sight of your operational reality.
While larger firms offer automated PRIIPs solutions, AN Valuations focuses on high-quality, interpretative support. We’re not just here to calculate figures, we help you understand and communicate them. That’s critical when your product is under scrutiny, whether from regulators, auditors or end-investors.
Our clients particularly value our clear communication and the reliability of our turnaround times. They appreciate having direct access to experienced PRIIPs experts, without going through layers of account managers or automated systems. Just as importantly, they trust us to consistently apply valuation and disclosure methodologies across all their products, ensuring accuracy, compliance, and peace of mind.
What is the PRIIPs regulation? The PRIIPs regulation (Packaged Retail and Insurance-based Investment Products) is a European Union framework designed to protect retail investors. It requires manufacturers and distributors of investment products to provide a standardized, pre-contractual Key Information Document (KID) before the product is sold. The KID must clearly outline the product’s risks, potential returns, and associated costs, and all within a concise format to help investors make informed decisions.
Who must provide a PRIIPs KID? A PRIIPs KID is required for any entity that manufactures or distributes packaged investment products to retail clients within the European Economic Area (EEA). This includes providers of non-UCITS investment funds, structured products, insurance-based investment products (such as unit-linked life insurance), and derivatives. Both product manufacturers and financial intermediaries (including banks, insurers, and asset managers) must ensure a compliant KID is provided before the point of sale.
What are the risks of non-compliance? Failing to provide a compliant PRIIPs KID can result in serious regulatory consequences. These may include fines, sanctions, or even product bans imposed by supervisory authorities.
Non-compliance can also damage a firm’s reputation, undermine investor trust, and jeopardize existing or future distribution agreements. In an increasingly regulated market, demonstrating full PRIIPs compliance is essential – not just to meet legal obligations, but to maintain credibility with partners and retail clients alike.
Do KIDs need to be updated? Yes. The information contained in a KID must be reviewed whenever there is a change that could significantly affect the KID and, at least, every 12 months following the date of initial publication. That review should verify whether the KID remains accurate, fair, clear, and non-misleading. In particular, it should verify the following:
Furthermore, PRIIP manufacturers are required to establish and maintain adequate processes (throughout the life of the PRIIP) that remain available to retail investors so that such investors can identify any circumstances that might result in changes that are likely to affect the accuracy, fairness or clarity of the KID.
How is a KID different from a prospectus? In contrast to a KID, a prospectus is a comprehensive legal document intended for institutional or professional investors, covering detailed financials, contractual terms, and risk disclosures. The KID does not replace the prospectus but rather complements it by presenting the essential product information in a concise and accessible format for retail investors.
Let’s make your compliance process simpler and stronger.
Contact AN Valuations today for expert PRIIPs KID consultancy and calculation services, tailored to your business, aligned with your compliance strategy.