Irish Life Diversified Balanced

The Diversified Balanced Fund invests a significant portion in shares, with the rest spread across indexed bonds and alternative asset classes. It also has exposure to property, and some parts of the fund may borrow money to invest in property. This mix is designed to balance growth potential with a lower level of ups and downs than a more equity-heavy fund.

Yes. The Diversified Balanced Fund is described as suitable for investors who are willing to accept some risk from share markets while still limiting volatility. It aims to deliver a mid-range level of expected returns with reduced levels of ups and downs, which means the fund is trying to avoid very large swings in value.

The Diversified Balanced Fund aims to give a similar return to that of a typical managed fund but with lower volatility. It does this by combining shares with indexed bonds and alternative assets rather than relying mainly on shares alone. The fund also uses a diversified mix of sectors and regions, including the US, Eurozone, UK, Japan and emerging markets.

Yes. The Diversified Balanced Fund may use securities lending, which means it can lend some of its holdings to other parties in return for extra income. This can increase return potential, but it also adds risk because the fund is taking on the chance that the borrower does not return the securities as expected.

The Diversified Balanced Fund uses Irish Life Investment Managers as its underlying investment manager. That means Irish Life Investment Managers is responsible for managing the fund’s investments underneath the product structure. The fund itself is mixed in style and is open to investors.