New Ireland Sentinel II Fund

Sentinel II Fund S3 S invests across a diverse mix of asset classes, including equities, bonds, property, alternatives and cash. The fund is managed with a mixed investment style and seeks returns from exposure to these different markets. This broad approach is intended to help the fund pursue an attractive risk-adjusted return. Investors should note that it is not limited to a single asset type, so returns can vary with conditions in each market.

Sentinel II Fund S3 S includes 85% protection of the highest fund value before fees and charges are deducted. That means the fund aims to preserve 85% of its peak value, with Bank of Ireland providing the return and protection. The protection is not free: it comes at a cost that reduces the return and is included in the fund value. In plain language, this means some upside is given up in exchange for a built-in level of downside protection.

Sentinel II Fund S3 S is aimed at investors seeking a medium to long-term investment, with a recommended horizon of at least 5 to 7 years. It is described as low to medium risk, so it may suit investors who want a balanced approach rather than high-volatility growth. The fund’s built-in protection may appeal to investors who value a degree of capital preservation. It is still exposed to market movements through its underlying asset mix.

The main risk noted for Sentinel II Fund S3 S is sustainability risk, which means investments could be affected by environmental, social or governance issues. The fund also has exposure to equities, bonds, property and alternatives, so it can be affected when those markets fall. The protection mechanism can reduce downside, but it does not remove all risk. Investors should also be aware that the cost of protection reduces potential returns.

According to the March 2026 commentary, Sentinel II Fund S3 S reduced equity exposure as volatility increased. The fund also tactically increased cash rather than bonds during the month. This suggests the manager was trying to lower risk as markets were unsettled by conflict in Iran, higher energy prices and renewed inflation concerns. In plain language, moving more into cash can help reduce day-to-day market swings compared with holding more risky assets.