Open-ended funds - with no capital security

Medium Risk Funds

Features & Benefits

• The capital value and the returns from the investment are both likely to fluctuate regularly. 
• These funds are 'open ended' type funds, which means you may maintain your investment in it for as long or as short* a period as you wish,  although we suggest that you should regard it as a medium-to-long term investment, for at least 7 or 8 years.
  * Please note that an early encashment charge may apply to any withdrawals from your investment in the first five years.
• The fund managers may have the flexibility to change the proportions invested in different markets or sectors; for example, they could move out of falling markets and to take advantage of new opportunities that arise. 
• In the case of the AIB Multimanager Fund, AIB Investment Managers (AIBIM) are able to adapt the portfolio to take account of the prevailing investment conditions, by altering the proportions allocated to each investment area or sector. 
• If you invest in one of these funds, you may be able to switch all or part of your money to any other open-ended fund at any time (depending on the fund terms & conditions which are available from your AIB Financial Adviser). 
• Alternatively, you may be able to switch your money to any of our secure funds that are available.

Types of Funds

• The AIB Managed Fund Series A invests in a carefully monitored portfolio of international shares quoted on the world's major stockmarkets, including those of the UK, the USA and Japan, as well as some of the smaller stockmarkets, particularly those in the smaller European and Far Eastern economies. From time-to-time, the stockmarkets of some emerging economies may also be included. The Fund also invests in Irish and fixed interest securities, properties and cash deposits.
• The AIB Invest Managed Fund Series A buys units in the AIB Select Managed Fund, which is managed by AIB Investment Managers (AIBIM), a part of the AIB Group. The Fund gains exposure to a range of Irish and international equities, bonds, property and cash. The allocation to each sector reflects the fund managers' view of their relative value at any time but between 65% and 80% of the Fund is usually invested in shares. The equity content of the Fund is well diversified.
• The AIB Multimanager Fund Series A invests in AIB Investment Managers (AIBIM) Multimanager Managed Fund which is a Unit Trust and sub-fund of AIBIM's Select Portfolio. The AIB Multimanager Fund Series A is designed to benefit from the skills of some of the very best investment managers in the world. AIBIM employs rigorous and disciplined analysis techniques to identify and appoint the 'best in class' investment managers for each of the Fund's investment sectors. The Fund therefore benefits from a team of managers with outstanding and complementary qualities. The underlying funds focus largely on the equity sector, but the Fund also has exposure to fixed interest and property assets. Assets and geographic decisions are made with reference to a consensus allocation.
• The AIB MultiTrack Fund Series A spreads your money across a widely diversified portfolio, which spans all the world's major stockmarkets and also offers exposure to Eurozone bonds. The Fund achieves this diversity by holding a portfolio of securities that provides exposure to the more than 1,700 companies and bonds making up a number of chosen indices.
• The AIB UK Property Fund Series A invests, through an underlying unit trust, in high quality commercial properties in the UK, and rents them out on long-term leases. It also holds some real estate securities. Property values tend to move differently from bonds and equities and the capital value is likely to be more stable. The Fund is managed by Aviva Investors (UK).
• The AIB European Commercial Property Fund Series A invests in a portfolio of commercial properties (plus some exposure to real estate securities) in the European Economic Area (excluding the UK but with the addition of Switzerland). The Fund offers investors the prospect of stable returns (through rent and dividend reinvestment) and capital growth. The Fund is managed by Aviva Investors (UK).

   

  
  

Back to Top