Irish Life Forum 4 Fund Description And Key Information.pdf

Overview:
- Investment Objective: Achieve positive returns while managing the fund within its target risk level.
- Fund Type: Passive, with a moderate allocation to higher-risk assets like shares and property.
- Sustainability: Promotes environmental and social characteristics as per Sustainable Finance Disclosure Regulation (SFDR).

Key Features:
- Asset Allocation:
- 60.9% Shares (including tech giants like NVIDIA, Apple, Microsoft)
- 27.1% Bonds (AAA to BBB3 rated)
- 6.6% Cash
- 3.7% Property
- 1.7% Alternatives
- Regional Distribution: Primarily US (61.0%) and UK (4.0%), with significant exposure to Emerging Markets (8.0%) and Europe ex Eurozone (4.3%).
- Credit Quality: Bond portfolio dominated by AAA and AA ratings.
- Risk Level: IL4 (Higher Risk)

Performance & Returns:
- Calendar Year 2023: 11.77%
- Calendar Year 2024: 14.11%
- Year-to-Date (YTD): 5.59% (as of 31/10/2025)
- Track Record: Outperforming its benchmark since launch in May 2022.

Responsible Investing Approach:
- Excludes or reduces exposure to companies with poor sustainability characteristics.
- Increases exposure to companies with better sustainability practices.
- Considers sustainability in property and alternative fund selections.
- Rated 5 stars by GRESB for Pension, European & Property Funds (2024).

ESG Risk Rating:
- Overall ESG Risk Rating Score: 17.6 (out of 40+) indicating medium ESG risk.
- Fossil Fuel Involvement: 7.4% (below market benchmark).
- Carbon Intensity: tCO2/Mil USD (not provided for the entire portfolio but available for shares and corporate bonds).

Disclaimer:
- Past performance is not indicative of future results.
- Investment involves risks, including potential loss of capital.