AIB Life Indexed Multi-Asset 5

Indexed Multi-Asset 5 mainly invests passively in higher-risk assets, especially equities and property, with a smaller allocation to lower-risk assets such as bonds. The fund seeks broad diversification across many sectors and regions rather than concentrating on a single market. It is managed by Irish Life Investment Managers.

Indexed Multi-Asset 5 is designed to provide a diversified investment consistent with a medium-high risk rating, and it carries a risk rating of 5. That means an investor should be comfortable with the value of the fund moving up and down, sometimes significantly. It is likely to suit someone seeking growth and willing to accept a higher level of risk in exchange for diversification.

Indexed Multi-Asset 5 is classified as an Article 8 fund and incorporates environmentally friendly or socially responsible investments. Its approach targets strategies that exclude or reduce exposure to companies with poorer sustainability characteristics while increasing exposure to those with better sustainability characteristics. Sustainability characteristics are also considered when selecting property and alternative funds.

Indexed Multi-Asset 5 has significant exposure to large global companies such as NVIDIA, Apple, Alphabet, Amazon, Microsoft, Broadcom, Tesla, Taiwan Semiconductor, Meta Platforms and JP Morgan Chase. Its geographic exposure is broad, with the United States featured prominently alongside Europe, Japan, the United Kingdom and selected emerging markets. This wide spread can help reduce reliance on any single company or country, though it does not remove market risk.

The main risk for Indexed Multi-Asset 5 is that it holds a large share of equities and property, which can be more volatile than cash or government bonds. The fund also has exposure to different regions and sectors, so it can be affected by movements in global markets. Market risk means the fund’s value can fall as well as rise in response to economic or company-specific events.