Zurich Life Prisma 3

Prisma 3 invests across a diversified range of asset classes, including global equities, bonds, property, commodities, cash and alternative assets. The Prisma 3 Fund uses active management to adjust these holdings over time. Its portfolio is therefore not limited to one market or one asset type.

Prisma 3 aims to achieve growth through both capital gains and income. The fund managers use strategic and tactical asset allocation to decide how much to invest in each asset class. In simple terms, that means they make longer-term and shorter-term shifts in the mix of investments to try to improve returns.

Prisma 3 is measured relative to global equity markets, but it is designed to have lower volatility than a full global equity portfolio over the long term. Its expected volatility range is 17.5% to 40% of global equity volatility. That means its value may still rise and fall, but generally with less movement than global shares.

Yes. Prisma 3 invests some of its assets outside the eurozone, so a euro investor faces currency risk. This means exchange-rate movements can help or hurt returns when overseas investments are converted back into euros. The fund is managed from the point of view of a euro investor, and any hedging that is used will be into euros.

The Prisma 3 Fund’s top holdings include NVIDIA, Alphabet, Apple, Amazon, Microsoft, Broadcom, Meta Platforms, Advanced Micro Devices, ASML Holding and J.P. Morgan Chase. These names suggest a meaningful exposure to large global technology and financial companies. However, the fund also holds many other assets across different regions and sectors.