IRIS. Individual Retirement Investment Strategy

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1 IRIS Individual Retirement Investment Strategy

2 Contents IRIS at a Glance...1 A Lifestyle Investment Strategy...2 Introducing IRIS...4 A straightforward approach to retirement planning IRIS follows three key principles Active fund management About State Street Global Advisors (SSgA) IRIS in Action...6 The Target Return Strategy... 8 Overview of IRIS Asset Classes...9

3 IRIS at a Glance Aim To grow and safeguard a pension investor s retirement savings based on their expected year of retirement. Suitability Suitable for pensions investors who want to take a retirement lump sum and purchase an income for life. If you plan on investing in an Approved Retirement Fund (ARF) at retirement you can invest in IRIS and then review your position about 5 years from retirement. Style Actively managed. Managed by State Street Global Advisors (SSgA) - a global leader in asset management. Asset mix Equities, property, bonds, cash and alternative assets. The mix varies depending on market conditions and the investor s term to retirement. The longer the term to retirement, the higher the proportion invested in equities and other assets which offer greater growth potential. As the term to retirement reduces, the equity content is reduced and the cash and bond content is increased. Risk rating Lifestyle Warning: The value of your investment may go down as well as up. Warning: If you invest in this fund you may lose some or all of the money you invest. Warning: This fund may be affected by changes in currency exchange rates. Page 1

4 A Lifestyle Investment Strategy A recognised approach to retirement planning A Lifestyle Investment Strategy is an investment strategy that is specifically designed for pension investors. This strategy recognises the fact that your investment needs will be different depending on your term to retirement. It is designed to match these changing needs by automatically targeting the most appropriate level of risk - a higher level of risk when you are far from retirement and want to grow your fund, and a lower level of risk as you near retirement and want to safeguard your fund. The IRIS Retirement Fund (IRIS) follows Bank of Ireland Life s Lifestyle investment strategy. The chart on page 6 shows how IRIS de-risks as you move towards retirement. START BUILD Early career Mid career Page 2

5 Pension Journey Start BUILD Consolidate Retire Career Path Early career Mid career Late career Retirement CONSOLIDATE RETIRE Late career Retirement Page 3

6 Introducing IRIS A Straightforward Approach to Retirement Planning Saving for retirement can be a complicated process. It can involve a lot of choices and decisions: How much should I invest in stock markets? Will my investment have time to recover if markets fall? Is now a good time to invest? Should I switch into a different fund as my retirement date approaches? With IRIS you invest in one fund which automatically manages these issues for you. IRIS Follows Three Key Principles 1. You can stay in the same fund Many investment strategies work by moving you from fund to fund over time, possibly as often as every month. Our IRIS lifestyle investment strategy is different. You invest in just one fund which is based on your expected year of retirement. Any switching or movement in and out of different types of assets happens within this fund. 2. When you are far from retirement you can afford to take some investment risk When you are investing for a very long time (15 years or more), you can focus on growth. If the value of your investment falls due to short term market fluctuations, you should have plenty of time for it to recover. When you are far from retirement IRIS automatically invests more of your money in assets which offer greater growth potential such as equities to try to generate long term growth. 3. When you are close to retirement you need to preserve the purchasing power of your savings As you approach your expected retirement date, you cannot afford to take much risk with the value of your investment. If your fund falls in value, it may not have enough time to recover. You also need to begin planning for your retirement and this can only be done if you have some certainty about the pension income you will receive each month. Close to retirement, IRIS automatically invests in assets with the aim of safeguarding the income and lump sum you can take at retirement. Page 4

7 Active Fund Management Investment funds can be managed on either an active or passive basis. IRIS is actively managed by State Street Global Advisors (SSgA). Active management means that SSgA use their expertise and experience to select the most suitable assets, within agreed limits. For example SSgA select the equities to invest in, manage the fund s investments in commercial property, and decide which countries government bonds to invest in. These investment decisions are based on analytical research and forecasting as well as SSgA s skill, experience and expertise. The Target Return Strategy element of IRIS (see page 8) is a unique asset mix within IRIS that seeks to achieve a defined target return of at least 4% per annum over cash (1-month EURIBOR), in the medium to long term. This element of IRIS allows SSgA even greater flexibility to choose between asset classes, regions and a wide range of investments to potentially reduce volatility and manage risk while seeking to achieve its target return. About State Street Global Advisors (SSgA) State Street Global Advisors (SSgA) is a leading global investment manager with over 1.9 trillion in assets under management (as at ) SSgA has 29 offices worldwide including 9 global investment centres (one of which is in Dublin) SSgA s investment team is made up of 400 investment professionals backed by a 24 hour trading platform Warning: The value of your investment may go down as well as up. Warning: If you invest in this fund you may lose some or all of the money you invest. Warning: This fund may be affected by changes in currency exchange rates. Page 5

8 IRIS In Action The chart below illustrates how IRIS de-risks as you move towards retirement. The de-risking during each year is actively managed by SSgA. 15+ Years to Retirement 15 Years to Retirement 15 years 14 years 13 years 12 years 11 years 10 Years to Retirement 10 years 9 years 8 years 7 years 6 years 5 Years to Retirement 5 years 4 years 3 years 2 years 1 year At Retirement n Equities n Property n Target Return Strategy n Corporate bonds n Government bonds n Long dated bonds n Cash Page 6

9 With 15 years or more to retirement IRIS aims to maximise growth, investing mainly in equities and in the Target Return Strategy (a breakdown of the Target Return Strategy is shown on page 8). From 15 years to retirement IRIS starts to gradually de-risk, decreasing its weighting in equities and increasing its holding in bonds. Between 10 and 5 years from retirement the rate at which equities are replaced by bonds increases. As you get close to retirement IRIS continues to de-risk, increasing its allocation to cash and long-dated bonds. At retirement IRIS is invested in long-dated bonds and cash. You can then use your fund to take a retirement lump sum and purchase an annuity to provide you with an income in retirement. Note: The figures shown in the chart are approximate values only and may be subject to change in the future. Warning: The value of your investment may go down as well as up. Warning: If you invest in this fund you may lose some or all of the money you invest. Warning: This fund may be affected by changes in currency exchange rates. Page 7

10 The Target Return Strategy Over the long term IRIS aims to grow and then safeguard your retirement savings, while in the shorter term it is designed to respond tactically to changes in market conditions. The Target Return Strategy is the core way in which IRIS actively manages and responds to changes in short term market conditions. This Target Return Strategy allows SSgA to: Invest in a wide range of asset classes Substantially change the asset mix depending on their assessment of risks and expected returns Take advantage of investment opportunities and reduce investment risks The Target Return Strategy element of IRIS aims to earn an annual return of at least 4% over cash (1-month EURIBOR) in the medium to long term. IRIS Glide Path 15+ Years to Retirement Target Return Strategy The chart below shows the Target Return Strategy holdings as at 30 November Bank of Ireland Life in conjunction with SSgA may change the asset classes and weightings to reflect changing market conditions. Target Return Strategy Holdings Asset Class Equities (13.5%) Government Bonds (1.9%) Corporate Bonds (25%) Commodities (0.0%) Cash (57%) Emerging Market Equity (1.0%) High Yield Bonds (0.5%) Property (1.0%) Holdings 0% 10% 20% 30% 40% 50% 60% Warning: The value of your investment may go down as well as up. Warning: If you invest in this fund you may lose some or all of the money you invest. Warning: This fund may be affected by changes in currency exchange rates. Page 8

11 Overview of IRIS Asset Classes Equities Equities are shares in companies listed on stock markets. IRIS invests in an actively managed portfolio of global equities. Equities can provide a high rate of return, and although at times they will underperform other assets it is expected that on average over the long term they will provide a higher rate of return than lower risk assets. IRIS Target Return Strategy The Target Return Strategy is a unique mix of asset classes which aims to earn an annual return of at least 4% over cash (1-month EURIBOR) in the medium to long term. This element of IRIS allows SSgA even greater flexibility to choose between asset classes, regions and a wide range of investments to potentially reduce volatility and manage risk while seeking to achieve its target return. Property Property can include office, retail, industrial and other real estate assets. IRIS invests in a portfolio of prime commercial properties primarily located in Ireland, the UK and mainland Europe. As a long term investment, property can potentially provide a higher rate of return than lower risk assets and offers diversification from equities. Corporate Bonds Corporate bonds are debts issued by companies and listed on stock exchanges. IRIS invests primarily in Euro-denominated corporate bonds but may also invest in other corporate bonds in the future. Corporate bonds typically have short terms and in general they offer less risk than stocks. Government Bonds IRIS invests in high quality Eurozone bonds and may also invest in non-euro government bonds. Government bonds have historically been considerably less volatile than equities. Long Dated Bonds IRIS invests in long-dated Eurozone government bonds. These bonds will typically have a longer term to maturity than other government bonds. IRIS invests in Eurozone bonds with the aim of safeguarding the income you can take at retirement. Cash IRIS aims to have 25% of the fund in cash at retirement to pay out the retirement lump sum. The cash element of IRIS invests in cash deposits and other money market instruments. Page 9

12 It is important to note that the lifestyle investment strategy may be reviewed in the future and may change. Warning: This fund may be affected by changes in currency exchange rates. Warning: The value of your investment may go down as well as up. Warning: If you invest in this fund you may lose some or all of the money you invest. Please note that IRIS may use Exchange Traded Funds (ETFs) and other exchange traded products. The use of these investments may incur additional costs. Terms and conditions apply. While great care has been taken in its preparation, this document is of a general nature and should not be relied on in relation to specific issues without appropriate financial, insurance, investment or other professional advice. The content of this document is for information purposes only and does not constitute an offer or recommendation to buy or sell any investment or to subscribe to any investment management or advisory service. Please note that mention of specific stocks/shares or investments is not a recommendation to trade in those stocks/shares or investments. In the event of any changes in taxation or legislation, Bank of Ireland Life may amend the terms and conditions of the relevant contract to take account of any such changes. The details shown above relating to this fund and its composition are as at the date of this document and may change over time. If there is any conflict between this document and the policy conditions, the policy conditions will apply. State Street Global Advisors Ireland Limited is regulated by the Central Bank of Ireland. Incorporated and registered in Ireland at 2 Park Place, Upper Hatch Street, Dublin 2. Registered number Member of the Irish Association of Investment Managers. Bank of Ireland Life is a trading name of New Ireland Assurance Company plc. New Ireland Assurance Company plc trading as Bank of Ireland Life is regulated by the Central Bank of Ireland. Bank of Ireland Insurance & Investments Limited is regulated by the Central Bank of Ireland. Bank of Ireland Insurance & Investments Limited is a tied agent of New Ireland Assurance Company plc. Members of Bank of Ireland Group. January fundcentre.bankofireland.com To improve our service to you, calls may be recorded V

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