Capital Secure Funds: Fixed term

Fixed term Tracker Funds have proven extremely popular over recent years as they provide customers with the opportunity to tap into the growth potential of the property and stockmarkets without taking any investment risk with their capital.

AIB has created a range of investment funds that combine the attractions of stockmarket-linked growth with an underlying assurance that you will always get back 100% of your original investment at the end of a specified investment period, which can be anywhere between two and six years (depending on the tracker products on offer at the time of investment). These investments are known as Fixed-Term Tracker Funds – and, through the AIB Investment Portfolio, we offer you a choice of a number of such funds.

FEATURES

• The returns are linked to the performance, over the specified initial investment period, of one or more specified stockmarket indices.
• You will have the prospect of attractive returns, linked to the performance of a specified index or indices*. 
• Your investment will have full capital security - you will have the peace of mind in knowing your original capital will be returned at the end of the specified investment period. 
• So, if the relevant indices fall in value over the specified investment period, you will earn no return on your money but your initial investment will be returned in full. 
• On the other hand, if the relevant indices rise in value over the period, in addition to receiving back your original capital, you will share in a proportion of the market growth. 
• Please be aware that the stockmarket indices take no account of the dividends that you would receive if you were to invest directly in the shares of the companies that make up the indices. Also, don’t forget that inflation will reduce the buying power of your money in the future.

FUNDS: PLEASE NOTE:

At various stages in the year, some or all of these funds may not be available

• The AIB Accumulator Fund* combines capital security at the end of a specified period with the prospect of annual ‘locked-in’ returns linked to the performance of one or more leading stockmarket indices over the same specified period. Some issues incorporate a minimum rate of overall return.
• The AIB Portfolio Combination Offer* is designed to achieve a balance between risk and return. The AIB Portfolio Combination Offer consists of two separate policies investing in two underlying funds. The Funds provide capital security over specified periods. One of the Funds pays a fixed rate of interest on a part of your investment, typically over a 2-year period, while the other Fund then provides the prospect of returns linked to the performance of one or more leading stockmarket indices on part of your investment over a longer period.
• The AIB 2-Way Fund* – has the potential to provide a return in a rising or a falling market. Predicting how stockmarkets are likely to perform can be a difficult task, one which can put off many investors. Most investments will only provide a positive return when stockmarkets are rising, which means that when there is increased stockmarket volatility, there is increased risk that investors will not get the return they expect. The AIB 2-Way Fund may provide a solution to this scenario. Unlike most other investments, the AIB 2-Way Fund Issue offers the potential for a return in both a rising market and also in a falling market, as well as providing you with capital security.

* These funds are not actively managed and each issue is open for subscription only for a limited period. The precise funds on offer and their terms vary from issue to issue, depending on the prevailing investment conditions – and withdrawals are not permitted during the fund’s specified Initial Investment Period. At various stages in the year, some or all of these funds may not be available. For a more detailed description of each fund, please read the separate fund leaflet brochures which are available from your AIB Financial Adviser.

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