Irish Life Retirement Portfolio 4
Managed Balanced (<65% Equity)
This fund has been specifically designed for investors in post-retirement products, who are making or may need to make withdrawals from their plan. The fund invests in a wide range of assets with a focus on income producing assets such as bonds, shares, property as well as cash and externally managed specialist funds. It also features several risk management strategies. The fund aims to have a moderate percentage invested in higher-risk assets such as shares and property. The fund is not guaranteed to produce an income. The fund manager monitors and rebalances the fund regularly and may change the asset mix and risk management strategies over time.
To achieve positive returns while managing the fund within its target risk level.
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131.50
EUR
+29.56 (+29.00%) past 3 year
as of 19 May 2026Fund insights
Detailed information extracted from the fund factsheet.
Managed by Irish Life Investment Managers
Non euro currency exposures may be fully or partly hedged back to euro to reduce foreign currency risk.
The assets in this fund may be used for the purposes of securities lending in order to earn an additional return for the fund.
ESG & sustainability
In line with the overall fund objective, the fund targets investment in strategies which help contribute to achieving its sustainability goals. This involves selecting strategies which exclude or reduce exposure to companies with poorer sustainability characteristics and increasing exposure to companies with better sustainability characteristics. Sustainability characteristics are also considered in the selection of property and alternative funds.
The fund targets investment in strategies which help contribute to achieving its sustainability goals by selecting strategies which exclude or reduce exposure to companies with poorer sustainability characteristics and increasing exposure to companies with better sustainability characteristics.
Frequently asked questions
Common questions about Irish Life Retirement Portfolio 4.
Retirement Portfolio 4 invests across a broad mix of assets, including bonds, shares, property, cash, and externally managed specialist funds. It is designed to have a moderate allocation to higher-risk assets such as shares and property. The fund also uses a mix of active and passive strategies under Irish Life Investment Managers.
Retirement Portfolio 4 is specifically designed for investors in post-retirement products who are making, or may need to make, withdrawals from their plan. The fund is aimed at people who want their money invested in a way that balances return potential with risk control. It is intended for use within retirement income needs rather than long-term accumulation.
Retirement Portfolio 4 uses several risk management strategies and is monitored and rebalanced regularly by the fund manager. Its target is to stay within a moderate risk level, while still seeking positive returns. The fund also aims to reduce some foreign exchange exposure by hedging non-euro currencies back to euro, which means it may help limit losses or gains caused by currency moves.
No, Retirement Portfolio 4 is not guaranteed to produce an income. Although it focuses on income-producing assets such as bonds and other investments, the amount of income can vary. Investors should not rely on the fund to meet a fixed withdrawal need on its own.
Retirement Portfolio 4 targets strategies that support its sustainability goals by reducing exposure to companies with poorer sustainability characteristics and increasing exposure to those with better ones. It also considers sustainability characteristics when selecting property and alternative funds. This means the fund applies sustainability considerations across more than just its equity holdings.
Irish Life Retirement Portfolio 4
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