ethical equity fund - New Ireland Assurance

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GUARANTEED EVERGREEN FUND Managed By SSgA Guaranteed Evergreen offers investors exposure to the potentially excellent performance of the Evergreen Fund, combined with the added assurance of a capital guarantee. • Your investment is split between the Evergreen Fund and fixed interest bonds - initially 80% is invested in the Evergreen Fund and 20% is invested in fixed interest bonds • The proportion invested in the Evergreen Fund can go up or down, depending on market performance • Your initial capital is guaranteed by Bank of Ireland on the 6th policy anniversary or on earlier death* • Policies with a start date of September 2007 or later also have a lock-in feature. This can increase the minimum value payable on maturity. Policies commencing in Current Asset Split Evergreen % Fixed Interest % Over last month % Over last 3 months % Performance Year to Date % 1 Year % 3 Year % p.a. 5 Year % p.a. October '05 24% 76% -0.6% 0.0% -0.5% 4.0% 1.7% -0.2% February '06 20% 80% -0.4% 1.2% 0.5% 1.1% 2.4% 0.4% July '06 29% 71% -0.5% -0.9% -1.8% -0.9% 1.9% -0.3% December '06 25% 75% -0.5% -0.7% -1.2% -2.0% 2.1% May '07 23% 77% -0.4% -0.4% -2.1% -2.7% 2.2% October '07 24% 76% -0.4% 0.2% -1.3% -4.7% 1.2% November '07 35% 65% -0.6% 0.0% -1.5% -2.0% 1.2% December '07 38% 62% -0.7% -0.1% -1.0% -3.5% 1.3% January '08 42% 58% -0.8% -0.2% -1.4% -3.7% 1.0% February '08 43% 57% -0.7% 0.0% -2.2% -2.7% 0.5% March '08 40% 60% -0.7% 0.0% -1.4% -2.3% -0.2% April '08 39% 61% -0.6% 0.2% -1.7% -2.8% 0.3% May '08 44% 56% -0.7% 0.0% -1.5% -2.3% 0.4% June '08 44% 56% -0.7% 0.1% -2.1% -2.8% -0.3% July '08 52% 48% -0.9% -0.1% -1.7% -2.0% -0.8% August '08 54% 46% -0.9% -1.2% -2.8% -2.2% September '08 66% 34% -1.1% -1.1% -2.4% -1.5% October '08 78% 22% -1.4% -2.0% -3.5% -1.0% November '08 89% 11% -1.6% -2.3% -3.1% -0.6% December '08 86% 14% -1.7% -2.5% -3.4% -0.9% * Provided no encashments take place before the 6th anniversary of your policy, the value payable on full encashment on that date will be at least equal to the initial amount invested. Regular income payments and partial encashments will reduce the capital guarantee proportionally. The capital guarantee is provided by the Governor & Company of the Bank of Ireland to New Ireland and applies on the sixth policy anniversary only, or on earlier death. Funds No Longer Open To New Business Note: Figures as at 01 July 2011 which is calculated using close of market prices from the previous working day. Performance is quoted gross of taxation and net of 1.75% p.a. fund management charge. Past performance is not a reliable guide to future performance. The value of your investment may go down as well as up. 32
SECURE SMART MIX Managed By SSgA If you choose this option, on the 5th policy Anniversary, your fund will be worth at least the amount you originally invested*. This means that over a 5 year period your investment is very secure. 75% of your money will be invested in a 5 year Gilt Fund and the remaining 25% will be invested in the Global Equity Fund, which holds a range of international company shares**. Your investment has the potential to provide a better return than bank or building society deposit account returns, but does not have the same level of growth potential as an investment in many of the other SmartFund options. Policies commencing in Over last month % Over last 3 months % Year to Date % 1 Year % 3 Years % p.a. 5 Years % p.a. 2005 -0.6% -0.4% -0.9% 1.6% 1.4% 0.4% 2006 -0.5% -0.3% -0.9% 0.8% 2.3% 1.7% 2007 -0.5% -0.2% -1.4% 0.0% 3.1% * Please note: This applies on the 5th policy anniversary only providing no encashments, income payments or fund switches take place before this date. ** These percentages are subject to change. The performance figures are indicative only. Actual performance will depend on the clients date of investment. Funds No Longer Open To New Business Note: Figures as at 01 July 2011. Performance is quoted gross of taxation and net of 1.5% p.a. fund management charge. Past performance is not a reliable guide to future performance. The value of your investment may go down as well as up. 33
Page 1: INVESTMENTS INVESTMENT PLUS quarter
Page 4 and 5: MARKET COMMENTARY 2 Background Alth
Page 6 and 7: OUR INVESTMENT PARTNERS About New I
Page 8 and 9: SECUREADVANTAGE INDEX LEVELS The In
Page 10 and 11: Image description. GILT FUND At a g
Page 12 and 13: Image description. PROTECTED ASSETS
Page 14 and 15: Image description. INCOME & GROWTH
Page 16 and 17: Image description. BALANCED MANAGED
Page 18 and 19: Image description. BLOXHAM HIGH YIE
Page 20 and 21: Image description. DISCOVERY At a g
Page 22 and 23: Image description. ALTERNATIVE ENER
Page 24 and 25: Image description. SPOTLIGHT At a g
Page 26 and 27: Image description. ETHICAL EQUITY F
Page 28 and 29: Image description. EUROPEAN EQUITY
Page 30 and 31: Image description. PROPERTY FUND At
Page 32 and 33: Image description. IRISH EQUITY FUN
Page 36 and 37: Image description. 2014 GOVERNMENT
Page 38 and 39: PERFORMANCE - LIFE FUNDS Low Risk F
Page 40 and 41: PERFORMANCE - PENSION FUNDS Lifesty
Page 42 and 43: PERFORMANCE - NET LIFE FUNDS Net Li
Page 44: New Ireland Assurance Company plc.

ethical equity fund - New Ireland Assurance

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