AIB Life Fusion 4

Fusion 4 invests across a mix of equities, bonds, property, alternatives and cash. It is designed to balance higher-risk assets such as equities and property with lower-risk and diversifying assets such as bonds and alternatives. Irish Life Investment Managers uses a combination of active and passive investing to build the portfolio. This means some holdings are chosen by the manager, while others track market exposures.

Fusion 4 is aimed at investors seeking a diversified portfolio with a medium risk profile. The fund has a risk rating of 4, so it is generally intended for people who can accept some ups and downs in value in exchange for growth potential. Fusion 4 may suit investors who want a balanced approach rather than a pure equity or bond fund. Investors should make sure they understand the risks and are comfortable with them before investing.

Fusion 4 is an Article 8 fund and incorporates environmentally friendly or socially responsible investments. Its sustainability approach targets strategies that exclude or reduce exposure to companies with poorer sustainability characteristics, while increasing exposure to companies with better sustainability characteristics. Sustainability characteristics are also considered when selecting property and alternative funds. In other words, the fund does not just look at financial returns; it also takes environmental and social factors into account.

Fusion 4’s top holdings include large global companies such as NVIDIA, Apple, Alphabet, Microsoft, Amazon, Broadcom, Tesla, Meta Platforms, Taiwan Semiconductor Manufacturing Company and JP Morgan Chase. These names suggest a meaningful exposure to major technology and financial businesses. Because the fund is diversified across several asset classes, these holdings sit alongside bonds, property, alternatives and cash. The exact mix can change over time as the portfolio is adjusted.

Fusion 4 has exposure across the United States, Eurozone, emerging markets, Japan, the United Kingdom, Europe ex Eurozone ex UK, Asia Pacific ex Japan and other regions. Its sector exposure includes Information Technology, Financials, Industrials, Consumer Discretionary, Healthcare, Communication Services, Consumer Staples, Materials, Utilities and Other. This broad spread helps diversify the fund across different parts of the global economy. Diversification means spreading investments across different areas so the fund is not overly reliant on one market or sector.