Long Term Savings

Clear Regular Invest

Clear Regular Invest is a long term savings plan from Irish Life, designed for the regular saver so you can make payments each month. You choose the fund(s) you want to direct your regular payments into, and through these funds you gain access to the growth potential of shares and bonds.

Fund choice

Clear Regular Invest gives you access to eight great funds, managed by a selection of fund managers, including Irish Life’s range of Multi Asset Portfolio Funds. As the name suggests, the Multi Asset Portfolio Funds invest in a wide range of assets. We recommend that you diversify your investment by not putting all your ‘eggs in one basket’ and these funds allow you to do just that.

maps risk and return

As well as the MAPs funds, there are three other funds for you to choose from – the Consensus Fund, the Consensus Cautious Fund, and the Consensus Equity Fund. Each of the funds available on Clear Regular Invest has a different level of risk and possible returns.

Dynamic Share to Cash (DSC) model

This innovative model uses a multi-factor approach to identifying long-term stock market trends and movements. The advantage of having the DSC is that it aims to reduce the amount invested in Developed Market Shares and increase the amount in cash when it identifies greater potential for stock market falls. As importantly, when the DSC identifies greater potential for stock market recovery, it will move back out of cash and into Developed Market Shares. This innovative solution is a market first in Ireland and ILIM have spent two years developing and testing this model. It is important to note that the DSC looks at long-term movements and trends in the market and is not designed to react to one-off or short-term jumps or shocks. Also, currently DSC applies to Developed Market Shares, though ILIM will continually review this and, in the future, a similar process may apply to other assets.

Online services

With our online services you can keep track of your Clear Regular Invest online, or even switch your funds, free of charge at a time that suits you.

Charges

With Clear Regular Invest, your regular payments minus the 1% government levy are invested from day one. If you choose to invest in any of the funds available and continue to invest for more than five years, the only charges will be an annual fund charge. An incentive fee may apply to certain funds. Early encashment charges apply to each of the Clear Regular Invest fund options. Please see the product booklet for full details.

Clear Regular Invest might suit you if you:

  • Want to invest for at least 5 years.
  • Have at least €100 a month to save.
  • Do not want to make regular withdrawals.
  • Do not need to protect your money and are prepared to risk getting back less than you put in.
  • Are aged between 18 and under 71 (next birthday).
Warning: If you invest in this product you may lose some or all of the money you invest.
Warning: This product may be affected by changes in currency exchange rates.
Warning: The value of your investment may go down as well as up