What type of investor are you?

Begin your Investment journey


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Sean

Sean is 33, living in Callan and working in Glanbia as an engineer. He’s earning €60k per year and looking for promotion within the company. He’s from the area and has returned home last year after spending 3 years working and travelling in Australia and United Arab Emirates.

Read more about Sean



 

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.

Read more about Robbie & Claire

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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.

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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.

Read more about Brian & Aileen

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Explore the possibilities

Check out the two scenarios below. One involves investing €200 a month for 15 years, the other involves investing a €10,000 lump sum over the same time period. Both projections illustrate what your investments could be worth in various market conditions.

Examples of investments

Investment Risk Level 4
An example investment table for a 200 euro monthly investment, with a total investment of 36,000 euro over 15 years. The 15 year projected market performance is estimated to be 63,755 euro for very good, 45,407 euro for average and 32,811 euro for very poor.

See Monthly Investment Projection Graph

An example investment table for a 10,000 euro lump sum investment, with a total investment of 10,000 euro over 15 years. The 15 year projected market performance is estimated to be 26,620 euro for very good, 15,598 euro for average and 9,009 euro for very poor.

See Lump Sum Investment Projection Graph

Assumptions

  • Performance is quoted gross of tax.
  • Performance is quoted net of an annual management charge (AMC) of 1.2%.
  • Performance is quoted net of the 1% government levy which is payable on all investment premiums.
  • No adjustment has been made to the projected returns to take account of inflation.
  • It is assumed that the money is invested in a risk level 4 fund. This is a medium risk fund.
  • It is assumed that all funds within a risk category will perform in line with the funds in that risk category mentioned above but this may not be the case.
  • It is important to understand the potential returns identified on the graph are for information purposes only and are not intended to replace product illustrations that may be provided to you in accordance with laws and regulations.
  • The projections are arrived at based on a stochastic model which is the property of Wilshire Associates, an investment advisory firm.
  • The potential returns stated are estimates only and we do not offer any assurance as to their accuracy. The actual returns may be lower or higher than the returns shown although it is expected 90% of outcomes will be between the highest and lowest values displayed. The best and worst 5% of outcomes have not been displayed.
  • The potential returns for each risk category are derived from several key factors include beta exposures, investment process and manager alpha forecast which are reviewed and updated from time to time.
  • It is also important to understand that the shorter the term selected, the greater the possibility that the actual returns may differ as short term variables are less reliable.

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    Warning: These figures are estimates only. They are not a reliable guide to the future performance of this investment.
    Warning: It is assumed that the money is invested in a risk level 4 fund. This is a medium risk fund.
    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.

    When starting your investment journey there are 2 key things to consider:

    1. When would you like to access your money?

      2. One of the most important things you need to think about is when you need access to your money. This will help determine the type of investment you choose.

      If it’s within the next 5 years:

      • You may want certainty on the amount of money at your disposal
      • You will probably need easy access to your money

      If this is the case, the best home for your money is typically some form of deposit. We have a great range at Bank of Ireland. Find out more here.

      If it’s longer than 5 years:

      You may want to consider assets such as company shares and property which could potentially provide better returns than deposits in the longer term.

      Bank of Ireland Life has a range of investment solutions which provide exposure to these assets.

    2. What degree of risk are you comfortable with?

      3. Every investment involves you taking some level of risk. Deciding what level of risk you are comfortable with is crucial, as your appetite for risk will influence the type of funds that you should invest in.

      We have 7 risk categories:

      • Very Low Risk
      • Low Risk
      • Low to Medium Risk
      • Medium Risk
      • Medium to High Risk
      • High Risk
      • Very High Risk

      As a rule of thumb, options that offer the most potential for growth also have the highest potential for loss. Our expert advisors will take you through a questionnaire to gauge the level of risk you are willing to comfortably expose your money to.

    Begin your Investment journey