University of Limerick AVC Plan

How does the plan work?

Investment Jargon!

Equities Company shares

Property Commercial buildings, i.e. office, retail and industrial units

Bonds Bond issued by Governments, usually within the Eurozone.

Cash Money on deposit with a variety of banks for different lengths of time.

Typical Pension funds are made up of some or all of the following assets.

Two ways to go

• Choose a Strategy

Or

• Make your own investment decisions

Far from retirement, look for performance.

Close to retirement, look for security.

"Risk is fine if you have time".

Investment Options

Individual Investment Strategy

Aims to reflect the changing investment needs during various stages of your life

Growth

Consolidation ( 5 years )

Consensus Fund

Capital Protection Fund

Invests in higher risk

funds initially

Moves to lower risk funds

Active Managed Fund

Consensus Fund

Indexed 50/50Equity Fund

Factsheets available at www.irishlifecorporatebusiness.ie

A selection of funds available

Capital Protection Fund

Pension Stability Fund

Cash Fund

Fund Returns

Fact sheets available at www.irishlifecorporatebusiness.ie

Source: Irish Life Investment ManagersFund Returns to 28 February 2015

Fund Risk Rating

1 year 3 years 5 years 10 years

Cash Fund -0.6% -0.4% 0.1% 1.4%

Capital Protection Fund 7.9% 7.2% 5% 3.4%

Secured Performance Fund 2.6% 1% 0.7% 2.4%

Pension Stability Fund 8.8% 5% 4% n/a

Active Managed Fund 23.8% 16.6% 11.6% 5.9%

Consensus Fund 25.3% 16.3% 12.7% 6.4%

Indexed 50/50 Equity Fund 25.2% 18.1% 13.2% n/a

Yearly Average

Capital Protection Fund Update

With effect from 23rd January 2015:

• The fund is closed to new Single Premium investments & Transfer Values

• The fund is no longer available as an option to switch existing fund values into

Can still be used:

• For regular contributions

• As part of a strategy

www.irishlifecorporatebusiness.ie

Investment Centre

• Factsheets for all funds

• Fund Performance Figures

• Market Commentaries

Fund Centre App

• Fund performance and charting tool • Factsheets• Add funds to your favourites • Search facility

The new investment app called “Fund Centre” is now available for Apple and Android devices

Quick access to stay up to date

The BIG question...

What will my

pension be?

Am I saving enough?

AVCs?

The key to success....

• What income do you want in retirement

• Find out are you on track

• Do you need to save more?

• Review from time to time to ensure you stay on track!

www.irishlifecorporatebusiness.ie

Our new website

• Link to Investment Centre

• Your pension account

• Pension Calculator

My Pension App

Free to download from the App Store or mypensionapp.ie

Pension Pulse

Focus on...

• Projected income in retirement

• Benefit of making AVCs

• Fund choice and risk

• Will be issued 3 months after Benefit Statements

Any Questions?

Warning: The value of your investment may go down as well as up.

Warning: if you invest in this product you will not have access to your money until you retire.

Warning: The value of these funds may be affected by changes in currency exchange rates.

Warning: If you invest in this product you may lose some or all of the money you invest.

Note: All benefits must be paid in accordance with Revenue limits.

Irish Life Assurance plc is regulated by the Central Bank of Ireland

Don’t leave your income in retirement to chance!

• Set your goalsWhat do you want to have at retirement?

• Register online – www.pensionplanetinteractive.ie

• Try out the pension calculator– www.pensionprophet.ie

Thank You