If you choose the Foursight Investment Strategy, your savings will be invested in a mix of funds which match the balance of risk and reward you are most comfortable with. But you must also remember the risk profile of the funds your savings are invested changes. This happens as your drawn down date gets closer.

If you choose the Foursight Investment Strategy, you’ll need to decide on your investment philosophy – there are three options:

  1. Cautious
  2. Balanced
  3. Adventurous

To help you decide which investment philosophy is the closest match to your expectation for investment returns and your tolerance for risk, have a look at the three statements here and see which best applies to you.

Cautious profile

Preserving the value of my contributions is important but I would like to see some modest growth on my investment and, if possible, match or even beat inflation. I understand that my returns will fluctuate from year to year and that I may receive less than the amount originally invested. Nonetheless, I accept that there is the possibility of some falls in the value of my contributions – perhaps even to levels below the original amount I have invested.

I am happy to save regularly for a period of at least 6 years (ideally 6-10 years or more) as I appreciate that the longer I save, the greater the potential for modest returns over the lifetime of my Savings Plan. If this is how you feel you should choose investment funds with a cautious approach or invest in the Cautious Investment Strategy.

A cautious investment approach provides the potential for modest returns with a moderate risk level.

Balanced profile

I would like to see a reasonable ‘real’ return, i.e. after inflation, on my contributions over the years. I understand that, in order to help achieve this goal, returns on my investment will fluctuate, perhaps materially, from year to year. I accept that there is the possibility that, in some years, returns may be negative with the possibility of falls in the value of my contributions to levels below the original amount I have invested.

I am happy to save regularly for a period of at least 6-10 years or more as I appreciate that the longer I save, the greater the potential for reasonable returns over the lifetime of my Savings Plan. If this is how you feel you should choose investment funds with a balanced approach or invest in the Balanced Investment Strategy.

A balanced investment approach provides the potential for better returns and involves a medium to high level of risk.

Adventurous profile

I want the best potential for growth on my contributions as I am aiming for good ‘real’ returns i.e. after inflation. As a result I am willing to tolerate the fact that there may be significant fluctuations in my returns from year to year. I also understand that in some years returns may be negative (perhaps even considerably so) and that there is the possibility of falls in the value of my contributions to levels well below the original amount I have invested.

I am happy to save regularly for a period of at least 6-10 years or more as I appreciate that the longer I save, the greater the potential for good returns over the lifetime of my Savings Plan.

If this is how you feel you should choose investment funds with an adventurous approach or invest in the Adventurous Investment Strategy.

An adventurous investment approach provides the potential for best returns but involves the highest level of risk.

Your Cornmarket consultant will advise you which option is best for you. To meet one of our experts call us on (01) 420 6795.

Zurich Life Assurance plc is regulated by the Central Bank of Ireland.