AIB Life Fusion 5

Fusion 5 invests mostly in high-risk assets such as equities and property, with a smaller allocation to lower-risk and diversifying assets like bonds and alternatives. It uses a mix of active and passive investing to gain exposure across these asset classes. Fusion 5 is designed to provide a diversified investment with a medium-high risk profile.

Fusion 5 is an Article 8 fund, and it incorporates environmentally friendly or socially responsible investments. The fund targets strategies that exclude or reduce exposure to companies with poorer sustainability characteristics and increase exposure to companies with better sustainability characteristics. Sustainability characteristics are also considered when selecting property and alternative funds.

Fusion 5's top holdings include NVIDIA, Apple, Alphabet, Microsoft, Amazon, Broadcom, Tesla, Taiwan Semiconductor Manufacturing Company, Meta Platforms and JP Morgan Chase. Its sector exposure includes Information Technology, Financials, Industrials, Consumer Discretionary and Healthcare among others. This means the fund is tilted toward large global companies, especially in technology-related areas.

Fusion 5 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. This broad regional spread helps diversify the fund across different economies. It also means investors can be affected by changes in many markets around the world.

Fusion 5 may suit investors who want a diversified fund with a medium-high risk rating and are comfortable with a higher exposure to equities and property. The fund's risk rating is 5, which means it may see larger ups and downs than lower-risk funds. Investors should be comfortable with that level of volatility, meaning the fund's value can rise and fall noticeably over time.