This page tests encoding characters on utf-8 (unicode). I take Polish word "żółć". It is means yellow colour. I use MS Windows 98 PL (Poland version) with default encoding characters on windows-1250. All on this page is encoded to utf-8.
This is a document SVG (encoded on utf-8) on VMP as background texture.
Document MTX, reders above
Code in document SVG encode.svg
This document SVG encode.svg shows in Adobe SVG Viewer
You can download this example to test it