AIB Life Indexed Multi-Asset 4

Indexed Multi-Asset 4 is a passive multi-asset fund that spreads money across equities, bonds, property and cash. It aims to keep a balance between higher-risk assets such as equities and property and lower-risk assets such as bonds and cash. This diversification is designed to support a medium risk profile.

Indexed Multi-Asset 4 invests passively, so it is designed to track a broad mix of markets rather than relying on active stock picking. Its portfolio includes large companies such as NVIDIA, Apple, Microsoft and Amazon, alongside exposure to bonds, property and cash. This approach is intended to provide broad market exposure within the fund’s overall asset mix.

Indexed Multi-Asset 4 is an Article 8 fund, which means it promotes environmental or social characteristics. It targets strategies that exclude or reduce exposure to companies with poorer sustainability characteristics and increase exposure to those with better sustainability characteristics. The fund also considers sustainability characteristics when selecting property and alternative funds.

Indexed Multi-Asset 4 aims to provide a diversified investment consistent with a medium risk rating. That may appeal to investors who want a passive, multi-asset portfolio rather than a single-asset fund. The blend of equities, property, bonds and cash is intended to balance growth potential with some lower-risk holdings.

Indexed Multi-Asset 4 is not just a stock fund: it combines equities with bonds, property and cash to reduce reliance on one market. It also applies sustainability-related selection rules, which can influence the types of companies and property strategies included. This makes the fund more diversified and more focused on sustainability characteristics than a plain equity-only portfolio.