Irish Life Protected Consumer Markets Fund
Structured Products
The Protected Consensus Markets Fund gives the opportunity for higher potential returns that come with investing in global markets while aiming to protect a large part of an investment. The aim of the fund is to provide growth when markets are performing well and deliver some protection when markets are falling. The Protected Consensus Markets Fund invests in two funds, the Consensus Markets Fund and the Protected Fund. The amount invested in each depends on market conditions at the time and is based on a formula. The assets in the Consensus Markets Fund will change over time as it matches the mix of assets of the main investment managers in Ireland. If the main investment managers change their mix of assets very significantly in the future, Irish Life may change how it decides the mix of assets in the Consensus Markets Fund so that it is closer to the current asset mix. The assets in this fund may be used for the purposes of securities lending in order to earn an additional return for the fund. While securities lending increases the level of risk within the fund it also provides an opportunity to increase the investment return.
To provide growth potential with built in security features designed to limit what you can lose.
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206.70
EUR
+43.56 (+26.70%) past 3 year
as of 19 May 2026Fund insights
Detailed information extracted from the fund factsheet.
Underlying fund: Consensus Markets Fund and Protected Fund
Managed by Irish Life Investment Managers Limited
The assets in this fund may be used for the purposes of securities lending in order to earn an additional return for the fund. While securities lending increases the level of risk within the fund it also provides an opportunity to increase the investment return.
Capital protection
There is a protected price pledge to provide some protection. The aim of this pledge is that the unit price of the Protected Consensus Markets Fund will not fall below 80% of its highest value. This protected price pledge is designed to apply for an extended period up to 11 September 2032.
Provider: Deutsche Bank AG
Frequently asked questions
Common questions about Irish Life Protected Consumer Markets Fund.
The Protected Consensus Markets Fund invests in two underlying funds: the Consensus Markets Fund and the Protected Fund. How much is invested in each depends on market conditions and is determined by a formula. The fund is built around cash, bonds and equities, with a global markets focus, through Irish Life Investment Managers Limited.
The Protected Consensus Markets Fund uses a protected price pledge designed to help limit losses. The aim is for the unit price not to fall below 80% of its highest value, and this protection is designed to apply up to 11 September 2032. This protection is linked to Deutsche Bank AG, and it may be reduced or removed in certain circumstances.
The Protected Consensus Markets Fund is aimed at investors who want growth potential from global markets but also want built-in security features to help limit what they can lose. Its recommended investment horizon is 5 years or more, so it may suit investors who can stay invested for the medium to longer term. The fund seeks to provide growth when markets are rising and some protection when markets are falling.
The Protected Consensus Markets Fund carries currency exchange risk, which means that changes in exchange rates can affect the value of the fund when it invests across global markets. It also uses securities lending, which can increase risk even though it may add extra return. The protection pledge is not a guarantee from the fund itself, and investors cannot make a claim directly against Deutsche Bank AG.
The Protected Consensus Markets Fund is designed to increase exposure to the Consensus Markets Fund when markets are rising and switch into the Protected Fund when markets are falling. The split between the two underlying funds is based on a formula and changes with market conditions. This approach is intended to give some upside participation while reducing the ups and downs on the investment.
Irish Life Protected Consumer Markets Fund
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