More Specialised Funds

These are similar to medium risk funds in that they are open ended, but the investments are mainly in shares. So the potential rewards – and fluctuations in capital value – could be greater. 
In the case of the Target 20 and the 2 x Geared Funds, these funds involve a high degree of risk to your capital – although, as a result, they have the potential to prove highly profitable. These funds may appeal to speculative investors who are willing to take a higher level of risk with their investment over a medium to long term period.

Types of Funds

Medium to High Risk Funds

• The AIB Irish Fund Series A invests only in the Irish stockmarket. Most of the investments are in large companies – although there may be some exposure to small and medium sized companies that have the potential to achieve dynamic growth.
• The AIB Eurozone Fund Series A invests in the shares of companies that are based in the Eurozone – the countries which have adopted the euro as their common currency. 
• The AIB Global Fund Series A holds a carefully selected and monitored portfolio of shares in large companies, quoted on the world’s major stockmarkets – including the USA, the UK, Europe and Japan. It may also include some exposure to companies listed on some of the smaller stockmarkets – including the Far Eastern and Australasian markets.
• The AIB High Yield Equity Fund Series A invests in the shares of around 40 major companies, typically in the financial, manufacturing, utility and telecommunications sectors. These well-established companies are carefully selected because of the above average levels of dividend that they pay – and their expected resilience during periods of stockmarket volatility. These holdings are likely to prove less volatile than conventional equities, but capital values are not guaranteed.
• The AIB Euro Financials Fund series A is an actively managed fund, which seeks out undervalued financial stocks with superior earnings potential and strong management. Through the AIB Euro Financials Fund Series A, your money will be invested in approximately 25 leading companies from the Banking, Financial Services and Insurance sectors of the ‘eurozone’. This is an opportunity to share in the growth potential of financial companies that are helping to drive the economy of the ‘eurozone’.

High Risk Funds

• The AIB Target 20 Fund Series A consists of a tightly knit portfolio of just 20 companies, selected on the basis of their fundamental strength and prospects, from whichever sectors, themes and stockmarkets the managers consider to be the most promising. Each company excels in its field of business – and has a high and increasing market share. Some may have suffered from a recent downturn in business, but may be poised for recovery. The fields of business could typically include technology, energy, raw materials, consumer goods, insurance and banking. The Fund has a relatively aggressive investment strategy – and the value of its holdings may be subject to sudden and large falls in value. An investment in this Fund therefore carries a much higher than usual degree of risk.
• The AIB Geared High Yield Equity Fund Series A uses bank borrowings to increase the performance potential of the Fund. It invests in the shares of around 40 major companies, selected because of the above average levels of dividend that they pay and their expected resilience during periods of stockmarket volatility. Please see the AIB Geared Funds brochure for full details.
• The AIB Geared European Commercial Property Fund Series A uses bank borrowings to increase the performance potential of the Fund. It invests in a portfolio of commercial properties (plus some exposure to real estate securities) in the European Economic Area (excluding UK but with the addition of Switzerland). The Fund is managed by Aviva Investors (UK). Please see the AIB Geared Funds brochure for full details.
  

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