1. University of Limerick AVC Plan

2. How does the plan work?

3. Investment Jargon! EquitiesCompany shares PropertyCommercial buildings, i.e. office, retail and industrial units BondsBond issued by Governments, usually within the Eurozone. CashMoney on deposit with a variety of banks for different lengths of time. Typical Pension funds are made up of some or all of the following assets.

4. Two ways to go Choose a Strategy Or Make your own investment decisions Far from retirement, look for performance. Close to retirement, look for security. "Risk is fine if you have time". Investment Options

5. Individual Investment Strategy Aims to reflect the changing investment needs during various stages of your life Growth  Consolidation ( 5 years )  Consensus Fund  Capital Protection Fund Invests in higher risk funds initially Moves to lower risk funds

6. Active Managed Fund Consensus Fund Indexed 50/50 Equity Fund Factsheets available at www.irishlifecorporatebusiness.ie A selection of funds available Capital Protection Fund Pension Stability Fund Cash Fund

7. Fund Returns Fact sheets available at www.irishlifecorporatebusiness.ie Source: Irish Life Investment Managers Fund Returns to 28 February 2015 Fund Risk Rating 1 year3 years5 years10 years Cash Fund-0.6%-0.4%0.1%1.4% Capital Protection Fund7.9%7.2%5%3.4% Secured Performance Fund2.6%1%0.7%2.4% Pension Stability Fund8.8%5%4%n/a Active Managed Fund23.8%16.6%11.6%5.9% Consensus Fund25.3%16.3%12.7%6.4% Indexed 50/50 Equity Fund25.2%18.1%13.2%n/a Yearly Average

8. Capital Protection Fund Update With effect from 23 rd January 2015: The fund is closed to new Single Premium investments & Transfer Values The fund is no longer available as an option to switch existing fund values into Can still be used: For regular contributions As part of a strategy

9. www.irishlifecorporatebusiness.ie Investment Centre Factsheets for all funds Fund Performance Figures Market Commentaries

10. Fund Centre App Fund performance and charting tool Factsheets Add funds to your favourites Search facility The new investment app called “Fund Centre” is now available for Apple and Android devices Quick access to stay up to date

11. The BIG question... What will my pension be? Am I saving enough? AVCs?

12. The key to success.... What income do you want in retirement Find out are you on track Do you need to save more? Review from time to time to ensure you stay on track!

13. www.irishlifecorporatebusiness.ie Our new website Link to Investment Centre Your pension account Pension Calculator

14. My Pension App Free to download from the App Store or mypensionapp.ie

15. Pension Pulse Focus on... Projected income in retirement Benefit of making AVCs Fund choice and risk Will be issued 3 months after Benefit Statements

16. Any Questions? Warning: The value of your investment may go down as well as up. Warning: if you invest in this product you will not have access to your money until you retire. Warning: The value of these funds may be affected by changes in currency exchange rates. Warning: If you invest in this product you may lose some or all of the money you invest. Note: All benefits must be paid in accordance with Revenue limits. Irish Life Assurance plc is regulated by the Central Bank of Ireland

17. Don’t leave your income in retirement to chance! Set your goals What do you want to have at retirement? Register online – www.pensionplanetinteractive.ie Try out the pension calculator– www.pensionprophet.ie

18. Thank You