Zurich Life Dimensional World Allocation 80/20

World Allocation 80/20 (Dimensional) aims to invest about 80% of its net assets in shares and about 20% in debt. Its debt holdings focus on high quality instruments such as bonds, money market instruments, commercial paper and certificates of deposit issued by governments, public bodies and companies in developed countries. Its share exposure spans developed and emerging markets.

World Allocation 80/20 (Dimensional) aims to achieve long-term total return through a mixed allocation of equities and debt. The equity portion uses a core strategy, meaning it has broad stock-market exposure while leaning more towards small-sized companies and value companies. This can help it participate in market growth, but returns will depend on how the underlying portfolio performs.

World Allocation 80/20 (Dimensional) is designed for investors seeking long-term real growth and who understand they could lose some or all of their investment. The recommended holding period is seven years, and longer holding periods are expected to reduce risk compared with shorter ones. Zurich also says investors should be sufficiently informed about financial markets or have appropriate professional advice.

World Allocation 80/20 (Dimensional) is classified as 3 out of 7, which is a medium-low risk category. It is exposed to market movements, so its value can go up and down as the prices of shares and debt instruments change. It also has no protection from future market performance, which means an investor could lose some or all of their investment.

World Allocation 80/20 (Dimensional) may use derivatives to manage risk, reduce costs or improve returns. Derivatives are financial contracts whose value depends on another asset or market, so they can amplify gains or losses depending on how they are used. This means they are mainly a tool for portfolio management rather than the fund’s main investment focus.