New Ireland Retirement Fund (IRIS) 2025

The Retirement Fund 2025 (3) invests through underlying State Street equity, fixed income, property and cash strategies, together with the LGIM Diversified Fund. Its asset mix can include equities, bonds, property and cash, with equity exposure spread across regions such as North America, the UK, Europe, Japan, the Pacific Basin and emerging markets. This makes it a multi-asset fund rather than a single-sector fund.

The Retirement Fund 2025 (3) is a lifestyle investment strategy with a glide path. It gradually switches money from a higher-risk investment strategy in earlier years into a medium/low-risk strategy as retirement approaches. This means the fund is designed to reduce how much your account may swing up and down near retirement, although it does not remove risk entirely.

The Retirement Fund 2025 (3) is aimed primarily at pension investors who expect to take a retirement lump sum and invest in an Approved Retirement Fund (ARF) at retirement. It is designed for people saving toward a specific retirement year rather than for short-term investing. The fund is intended to be held over the medium to long term, generally at least 5 to 7 years.

The Retirement Fund 2025 (3) carries risks including short-term volatility and sustainability risks. Short-term volatility means the fund’s value can rise and fall over short periods, even if the overall long-term aim is to support retirement savings. Sustainability risks refer to potential impacts from environmental, social or governance factors on the investments held by the fund.

The Retirement Fund 2025 (3) is not a single-asset equity fund; it blends equities with fixed income, property and cash, and it changes over time as retirement nears. The fund is part of the IRIS lifestyle range, which is built around an expected retirement year rather than a market benchmark alone. That structure is intended to balance growth and capital protection for pension investors approaching retirement.