New Ireland Retirement Fund (IRIS) 2026

Retirement Fund 2026 (3) invests through State Street equity, fixed income, property and cash strategies together with the LGIM Diversified Fund. The fund has exposure across equities, fixed income, property, cash, alternatives, commodities and infrastructure, with equity exposure spanning regions such as the UK, North America, Europe, Japan and emerging markets. As a result, the fund is designed to provide broad diversification within the IRIS lifestyle framework.

Retirement Fund 2026 (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 part of the IRIS lifestyle strategy, which is built around the investor’s expected retirement year. The fund is most relevant for people who want their pension to be managed with retirement timing in mind.

Retirement Fund 2026 (3) follows a glide path, meaning it gradually switches money from a higher-risk strategy earlier on to a medium/low-risk strategy as retirement approaches. This is intended to help protect retirement savings nearer the target retirement year of 2026. The approach is designed to balance growth potential with the need to safeguard capital later in the lifecycle.

Retirement Fund 2026 (3) is exposed to short-term volatility and sustainability risks. Short-term volatility means the fund’s value can move up and down over shorter periods, even if the long-term aim is to manage risk more carefully near retirement. Sustainability risk means environmental, social or governance issues could affect the value of the investments held by the fund.

Yes. Retirement Fund 2026 (3) is intended for a medium- to long-term horizon of at least 5-7 years. That time frame is important because even though the fund is designed to reduce risk as retirement nears, its value can still fluctuate over time.