How does the plan work?. Pension Investments - Key Concepts & Terms. Equities – company shares Property – buildings i.e. office, retail, industrial units Bonds – Governments bonds/fixed interests. Name for loans given to governments
Pension Investments - Key Concepts & Terms
Objective: preservation of capital
Managed Fund / Consensus
aggressive growth of capital
Cash / Fixed InterestTypical Career Investment Strategy
Closeness to Retirement
Safe Deposit Fund
Capital / Pension Protection
Mix of funds
Capital Protection Fund
Diversified Balanced Fund
Active Managed Fund
Indexed 50/50 Equity Fund
Individual Investment Option
Returns to 01/05/2013
Average fund return since launch is 5.1% p.a.
Asset Allocation 01/05/2013
Asset and Country Mix as at 01.05.2013
Performance to 1st May 2013
Average fund return since launch is 6.7% p.a.
lower risk funds
Asset Allocation 01.05.2013
Active Fund Performance to
1st May 2013
Fund returns since launch (1989): 7.3% p.a.
PensionPhone service with PIN
Web access – www.Irishlife.ie/corporatebusiness
www.pensionplanetinteractive.ie – access to your pension account
www.pensionprophet.ie – pension calculator
Pension PulseKeeping in Touch…….
Download from iTunes App store or visit www.mypensionapp.ie
Estimated value of your fund at retirement
Estimated pension at retirement
Impact of making AVCs
Regular market updates.Key features
UL AVC PlanIrish Life
Irish Life is regulated by the Financial Regulator
Secured Performance Fund
Closed to future money
To produce managed fund returns on a smoothed basis - Promise of no negative returns.