AIB Life Fusion 3

Fusion 3 invests across a mix of equities, property, bonds, cash and alternatives. It is designed to balance higher-risk assets, such as shares and property, with lower-risk and diversifying assets like bonds and cash. The fund also uses both active and passive investment approaches. This means some holdings are chosen by the manager, while others track a market index.

Fusion 3 aims to provide a diversified investment consistent with a low-medium risk rating. It may suit investors who want exposure to growth assets such as equities and property, but with support from lower-risk assets like bonds, cash and alternatives. As with any fund, the investor should make sure they understand the risks before investing. Diversification means spreading money across different investments so the fund is not relying on just one area.

Fusion 3 is an Article 8 fund and incorporates environmentally friendly or socially responsible investments. Its ESG approach seeks to increase exposure to companies with better sustainability characteristics while reducing exposure to companies with poorer sustainability characteristics. Sustainability characteristics are also considered when selecting property and alternative funds. ESG refers to environmental, social and governance factors, which are used to assess how responsibly a company or asset is managed.

Fusion 3’s top holdings include large global companies such as NVIDIA, Apple, Alphabet, Microsoft, Amazon, Broadcom, Tesla, Meta Platforms, JPMorgan Chase and Taiwan Semiconductor Manufacturing Company. These holdings show that the fund has meaningful exposure to major technology and financial names. The fund also spreads investments across several sectors and regions, including the United States, Eurozone and emerging markets. This broad spread is intended to support diversification.