Zurich fund switch

S

Sugarloaf

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I have been invested in Zurich Balanced fund (100%) for years and want to move to a higher risk fund(s). Was thinking about going:
International / Dynamic 50%
Indexed Global Equity ( BlackRock) 50%

What does anyone think about this 50/50 split?
Any thoughts on Dynamic vs International fund?

Thanks
 
I moved my funds to a 50:50 split between International Equity and Dynamic just over 3 years ago and since then they have both performed similarly when you overlay them on a graph (albeit the international fund slightly ahead). In comparison, the Balance fund only performed half as well.

I did consider the International Global Equity fund as it is based on the MSCI World Index which is a really good option and over the same period outperformed the other ones by a mile. However, this fund was not available as a standard PRSA (which may not be what your product is) and that put me off at the time.

Of course, if you are investing in equity funds, you need to be in for the long term (at least 5 years and ideally 10 years+); you only have to look at the recent market volatility due to Trump's policies.
 
Here we go again, comparing 100% equity funds with mixed/multi asset funds.

3 Year Cumulative - Date Range figures from 11/03/2022 to 05/03/2025

International Equity (Managed) - 41.51% - 100% Equity - Article 8
Indexed Global Equity (Passive) - 39.06% - 100% Equity - Article 6

Dynamic - 36.61% - 75% to 100% Equity content Range (Currently 87%) - Article 8
Balanced - 24.38% - 50% to 75% Equity content Range (Currently 62%) - Article 8


So, Blanced isn't half of Dynamic or International Equity and you're (currently) better off having been in the International Equity than the Indexed Global over that period.


Gerard

www.bond.ie
 
In a similar boat to the OP, I've been invested in Zurich's Dynamic Fund for the last eight years. Contemplating switching to something like the 5*5 Global.

Options when switching are: existing funds only, future contributions only or both existing and future contributions.

Are there any drawback/fees if going with the last option and moving my existing funds to the new fund? Anything blatantly obvious I'm missing here?
 
moore82 said:
Contemplating switching to something like the 5*5 Global.

Are there any drawback
Click to expand...
Only up to 80% of your pension will be in equities with 5*5 according to their brochure. You could be creating a drag on long term returns by not going 100% equities.
 
There's an indicative equity range of 80-100% on 5*5 Global. It's 99% in equities at the moment. It's pretty concentrated with just 50 stocks. Doubt if it'll ever go as low as 80% and its performance would indicate that it's @ high 90s most of the time.

The AMC should be the same as is on your contract (policy schedule) so there's no cost to the switch.

Gerard

www.bond.ie
 
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