With as little as €100, you can invest in a way that does right by you and the planet.
Want to take control of your financial goals? Irish Life Smart Invest is Ireland’s first digital advice and investment platform; providing an easy, trusted way to start making your savings work harder.
Unlike other types of investments, you don’t need to spend loads of your time picking funds and managing them to try to get the best return. With Smart Invest, experts do the heavy lifting so you can rest easy.
Here are five reasons why you should start your investment journey with Smart Invest.
1. Easy to set up and keep track of: Getting started with Smart Invest is a breeze. Simply sign up on the Irish Life website where you will be guided through the various steps to determine how much risk you’re comfortable with. Once the process is complete and you are set up with a plan, you’ll have full control over how often and how much you invest.
2. A range of options to suit you: Smart Invest will guide you through understanding the level of risk you’re comfortable with so that you can confidently invest in a plan tailored to you. This helps match you to either the Conservative Investor, Balanced Investor, or Experienced Investor profile.
It can be preferable for beginners and experienced investors alike to get support from seasoned professionals. Through a FlexInvest plan, you can get access to funds managed by Irish Life Assurance’s appointed expert investment managers (from Irish Life Investment Managers). They’ll have already done the heavy lifting of diversification, and can provide built-in fund risk management.
3. Know your money is in safe hands: Irish Life Assurance is one of Ireland’s leading life and pensions companies, with over 1.3 million customers. For over 80 years we have helped people in Ireland embrace change and build better futures, through innovative products and dedication to customer care. We have a record of financial strength, earnings stability, and consistently high ratings from the independent credit rating agencies. Irish Life Assurance is proud to have an AA – Very Strong rating for insurer financial strength from Fitch.
4. Your money is managed by a multi award-winning investment manager: Irish Life Investment Managers is a multi-award winner, recognised internationally for its expertise and innovation. Irish Life Investment Managers has won Investment Manager of the year for seven of the last nine years at the Irish Pension Awards, and currently looks after over €100 billion of investment assets*.
5. Do right by your money: You’ve worked hard for the money you want to invest. With Irish Life Investments Managers, Irish Life Assurance is committed to growing your money and doing it responsibly. That means investing more in companies and assets that manage their environmental, social and governance risks in a better way. We do this because we believe these investments are likely to perform better over time. No-one should have to compromise investment performance to ensure their money is invested in ways that are good for society and the planet.
*Irish Life Investment Managers, December 2022
Important information
Smart Invest is provided jointly by Irish Life Assurance, which provides the FlexInvest product, and Irish Life Financial Services, which provides the advice.
FlexInvest is a lump-sum unit-linked life insurance plan. There is an annual fund management fee of 1.25 per cent and a 1 per cent Government levy is taken from any payments into the FlexInvest plan, and a 41 per cent exit tax on returns. There are no additional set up or withdrawal charges.
You are eligible for Smart Invest if…
- You are aged 18 to 69
- Living in, and a tax resident only of, the Republic of Ireland.
You are not eligible for Smart Invest if you are…
- A US citizen
- A politically exposed person (“PEP”), or a relative of a close associate of a PEP.
Warning: If you invest in this product you may lose some or all of the money you invest
Warning: The value of your investment may go down as well as up
Warning: These funds may be affected by changes in currency exchange rates
Irish Life Assurance plc is regulated by the Central Bank of Ireland.
Irish Life Financial Services is tied to Irish Life Assurance for life and pensions business.
Irish Life Financial Services Limited is regulated by the Central Bank of Ireland.
Irish Life Investment Managers Limited is regulated by the Central Bank of Ireland.
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