Looking to get your money moving?
Don’t rest it, invest it.

Let us introduce you to the world of investing. You could be surprised with what you see.

Get started online today or arrange to speak to one of our expert advisors.

Get started online Speak with an Advisor


Traditionally, when you put your money in the bank you may earn some interest. With interest rates currently very low, and forecasted to remain low, now could be a good time to look at what other options are available to you.

Did you know, that investing your money can provide you with better returns over time. At Bank of Ireland we have a range of investment options that may just be what you are looking for.

If you are already using internet banking, you will know how convenient it can be.

  • Set up your profile and get personalised advice online.
  • You can apply to invest a large single amount or start a regular investment from as little as €100 per month.
  • Talk to an advisor at any point in the journey.

Talk directly with one of our Wealth Managers to discuss your options.

  • Get personalized advice on a wide range of investment options
  • Your Wealth Manager will guide you through every stage of your investment journey.
  • Flexible meeting options that are designed to suit you.


What type of investor are you?

Robbie & Claire

Robbie and Claire are 43 and 41 years old. Married for 16 years with 3 children aged 10, 8 and 7. They live in Wicklow. Robbie is a self employed engineer earning €58,000 per annum and Claire is a secondary school teacher earning €47,000 per annum. They are a very sporty family. Robbie regularly competes in triathlons, and the whole family love mountain biking, enjoying the outdoors and all are heavily involved in the local GAA club.

Click here to read more.


  

Saoirse

Saoirse is 55 years old. Living in Dublin, not married and has no kids. She is a graphic designer earning €72,000 per annum working for an advertising agency. Saoirse is an independent woman. Her parents have passed away in the last 2 years and left her an inheritance of €250,000. She has a great social life and many hobbies: photography, off-the-grid travel and gardening are her passions.

Click here to read more.

 


Brian & Aileen

Brian and Aileen are a married couple living in Galway with 3 grown up children (2 living in Ireland and 1 in Canada). Brian is 63 and Aileen 65 years old. Brian works as a hotel manager earning €67,000 pa and Aileen works in the home/looks after her parents and does some voluntary work. Both are in good health. They are both good golfers, and Aileen swims in the sea every day in Salthill with her women friends. Their children are well settled and they have 5 grandchildren. They are both fairly prudent with their money.

Click here to read more.


Investing in 4 steps

  • Share some details with us

    We will spend a few minutes getting some information about you.

  • We’ll replay what we’ve learned

    We’ll replay a summary of the information you provided back to you and assess the level of risk you are comfortable with. We advise how much you can afford to invest and you can decide how much you want to proceed with.

  • We’ll recommend the right option for you.

    Based on the answers you provided we’ll be able to build a recommendation that is affordable and suitable.

  • Start investing

    Complete your application in a way that suits you, online or with one of our Wealth Managers.

See what’s possible

Below we have provided two example projections based on investing €200 each month for 15 years and a €10,000 lump sum investment also over 15 years. These are based on a medium risk level fund.

The projected values show the possible future value of your investment in different market conditions. These are only forecasts and are not a reliable indicator of future performance. With investing, your money is at risk and you could get back less than you put in. Please see the assumptions for further details on how this projection was calculated.

Examples of investments

Investment Risk Level 4

See Assumptions

Warning: These figures are estimates only. They are not a reliable guide to the future performance of this investment.
Warning: The value of this investment may go down as well as up.
Warning: If you invest in this product you may lose some or all of the money you invest.
Warning: These funds may be affected by changes in currency exchange rates.
Warning: Past performance is not a reliable guide to future performance.


Join our Invested webinar series

This 3-part series is all about taking you on a journey from understanding your money, to looking at your goals, and getting a plan to help you achieve the best outcome for you and your family.  Let our experts give you the insights and guidance to learn more about the investing world.  The series begins by looking at the fundamental challenges of how to get your money growing when the cost of living is rising but interest rates remain low. What behaviours can help promote success at investing, what are the rules that every good investor should live by and how do you take the first step. Over the series we’ll be looking at 3 different customer scenarios and discussing the priorities and investing plans for those in their 40s, 50s and 60s. In a world of continued uncertainty, we’ll finish our series by considering how geo-political factors influence the markets and what smart decisions should investors make in times of high market volatility.

Join us and our panel of expert speakers throughout the series to find out all you need to know about taking the first step into investing.

Register Now


FAQ’s


  • Can I meet with an advisor in branch?

    With ongoing restrictions due to the Covid-19 pandemic our advisors are currently restricted in their ability to meet physically with you in branch.

    We have rolled out new technology that allows our advisor to talk to you about the world of investing without the need to meet face to face by using a laptop or tablet to present your personalised information in an way that is easy to understand.

  • What are negative interest rates?

    Money in a deposit account is subject to an interest rate. This the rate at which your money grows or shrinks over time. In the current environment, interest rates can be seen to fall as low as 0.5%.

    This means that for every €100 you save, you only earn 50c. If you take into account inflation (the general rise in price level of goods over time) your €100 will be worth less than you originally saved in the short term.

  • What's the difference between saving and investing?

    Saving means putting money aside, gradually, in a bank deposit or regular savings account and earning interest. People generally save for a particular goal – a new car, a deposit for a house, or to build up a rainy day fund – knowing that their capital is not at risk.

    Investing typically means committing your money for a longer period of time in the hope of making more money than you would by saving. There is risk involved but you rate the level of risk you are comfortable with. There is usually no guarantee that you will make larger amounts of money or even that you will get all of your capital back. However, depending on how your investment performs, you could grow your money considerably more than you would by saving.

    Investment products are provided by Bank of Ireland Life, a trading name of New Ireland Assurance Company plc. Advice on Bank of Ireland Life products is provided by Bank of Ireland.

  • Why Invest?

    Investing can offer another way to look after your money and help you reach your financial goals. Investing offers an opportunity for money to potentially grow over the medium to long term. We all have long term financial goals, investing offers the potential to help you reach those goals that traditional savings accounts may not.

  • What is an investment?

    We offer you the flexibility to invest a small amount of money each month or a larger amount whenever you have it. This money can be invested in a variety of ways such as in funds which invest in company shares, bonds, property or other types of investments with the intention of growing your money.

  • How can I see how my investment is doing?

    Your investment can be viewed on 365 online, Bank of Ireland’s online banking platform. There you can see latest available information on the investment performance at any time day or night.

    You will also receive an annual benefit statement on the anniversary of your investment.

  • How do I withdraw my money?

    In order to meet your objectives, it is a good idea to leave your money invested over the medium to long term. This will help you to maximise growth potential. However, if you need to access your money at any point, you can simply contact the Customer Service team to start the process.

  • What are the fees involved?

    A 1% Government levy applies to all money invested. An annual management fee will be applied, taken as a percentage of the policy value. This is typically 1-2%, depending on how your money is invested. Early exit charges may also apply if you withdraw any of your investment during the first few years. A small fee also applies on partial withdrawals.

  • Do I have to pay tax on my investments? How does this happen?

    Any investment growth achieved on your policy is subject to exit tax. Exit tax, currently 41%, is deducted every eight years and in certain circumstances. These include; when you withdraw some or all of your investment; if you transfer ownership of your policy; or on death. We recommend that you obtain independent tax advice.




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.
Warning: Past performance is not a reliable guide to future performance.