©2018 Gerard Sheehy

Gerard Sheehy is Regulated by the Central Bank of Ireland
Warning: the value of your investment may go down as well as up. These products may be affected by changes in currenct exchange rates.

Republic of Ireland

Investment Bond

  • The product available through this website is for investors who understand the relationship between risk and reward and are not looking for financial advice.

  • We provide an execution only service for investors who are looking for a low cost product that has access to a wide range of investment funds.

  • The only contract available on these terms is with Zurich Life and for that reason is not be be interpreted as a recommendation.

  • The value of your investment can fall as well as rise, regardless of which investment option you choose. Past performance is not a guide to future performance.

  • The Euro value of overseas assets can rise and fall as a result of exchange rate fluctuations.

  • As is the case with other product providers, charges may be altered in the future. Should this situation arise, you will be informed of any change in writing by Zurich Life.

  • The returns from investment linked funds are directly linked to the performance of the assets in which the funds are invested.

  • The asset mix of Actively Managed Funds are continuously reviewed and may be changed in line with developments in relevant markets.

 

Investment Funds

Active Asset Allocation

Active Fixed Income

American Select (Columbia Threadneedle)

Asia Pacific Equity

Balanced

Cash

Cautiously Managed

Deposit Plus (Series 2)

Dividend Growth

Dynamic

Dynamic Diversified Growth (BlackRock)

Emerging Markets Opportunities (J.P. Morgan)

Euro Inflation-Linked Intermediate Duration Fixed Income (Dimensional)

European Select (Columbia Threadneedle)

Eurozone Equity

Fund of REITs

Global Corporate Bond (J.P. Morgan)

Global Government Bond (J.P. Morgan)

Global Select (Columbia Threadneedle)

Global Short-term Fixed Income (Dimensional)

Global Short-term Investment Grade Fixed Income (Dimensional)

Global Targeted Returns (Invesco)

Gold

Indexed Australasia Property

Indexed European (Ex-UK) Property

Indexed Eurozone Equity (BlackRock)

Indexed Eurozone Government Bond (BlackRock)

Indexed Global Equity (BlackRock)

Indexed Inflation - Linked Bond

International Equity

Irish Equity

Long Bond

Performance

Prisma 2

Prisma 3

Prisma 4

Prisma 5

Prisma 6

Property Fund

Protected 70

Protected 80

Protected 90

SuperCAPP

World Allocation 20/80 (Dimensional)

World Allocation 40/60 (Dimensional)

World Allocation 60/40 (Dimensional)

World Allocation 80/20 (Dimensional)

World Equity (Dimensional)

5 Star 5 Americas

5 Star 5 Asia Pacific

5 Star 5 Europe

5 Star 5 Global

Highlighted Funds have an Annual Management Charge of 0.65% or 0.75% (Depending on Charging Structure Chosen By You)

All other funds carry additional fund charges of between 0.15% and 0.7%

Product Features

  • The product is underwritten by Zurich Life

  • Investment Bond allows you to invest in a minimum lump sum of €5,000 and max of €200,000

  • There are no initial/entry or surrender/exit charges on the 0.75% AMC option

  • The allocation rate is 101% so the  current Government Levy is covered

  • Maximum age at entry is 85

  • There are up to 30 funds available at an annual management charge of (Option 1) - 0.65% or (Option 2) - 0.75% (You choose at outset)

  • The regulated entity is paid 0.15% (Option 1) or 0.25% (Option 2) by Zurich Life from the quoted annual management charges. 

  • You can choose Actively Managed, Index Tracker (Passive) and Multi-asset Funds

  • You can change the profile of your investment by making a fund switch. There are 4 free switches in any 12 month period

  • You don’t pay a broker fee to set up the investment

Disclosure

On 1 January 2018 new EU legislation - Packaged Retail and Insurance-based Investment Products Regulation (PRIIPs) - will be applicable in the Irish market, governing the pre-sales process for savings and investment products.

The costs quoted in  this document are generic and not specific to the product available through this website