New ireland's brochure here - BestAdvice.ie

Overview of key features 

The Dawson Investment Choice 

Series 1 

Investment strategies designed to deliver 

strong risk management & investment returns 

Options available 

There are 5 investment strategies 

available to choose from which 

provide a choice of return and risk: 

• Investment Strategy A 

- 100% capital security with a fixed 

return of 18% after 4 years and 11 

months (Low Risk) 

• Investment Strategy B 

- 100% capital security with a 

minimum return of 9% and the 

opportunity to earn a return of 

up to 40% after 4 years and 11 


• Investment Strategy C 

- 100% capital security and the 




• Investment Strategy D 




months (Medium Risk) 

• Investment Strategy E 




months (Medium to High Risk) 

All returns quoted are gross of tax 

and net of charges. 

Initial Investment 

Period 

4 years and 11 months 

Customers do not have access to 

their funds until the end of the initial 

investment period 

Who 

Suitable for investors who can invest 

money for a minimum period of 4 

years and 11 months and who are 

looking to generate investment 

returns with varying levels of capital 

security. 

New Ireland Assurance Company plc. 

11-12 Dawson Street, Dublin 2 

T: 01 617 2000 F: 01 617 2075 

E: info@newireland.ie W: www.newireland.ie 

taking care of you... 

New Ireland Assurance Company plc is regulated by the Central Bank of Ireland. A member of Bank of Ireland Group. 

301206 V1.03.12

The Dawson Investment Choice 

Series 1 

Investment Strategy A 

Low Risk 

Investment Strategy B 

Low Risk 

Investment Strategy C 

Low Risk 

Investment Strategy D 

Medium Risk 

Investment Strategy E 

Medium to High Risk 

Customer Type 

I am looking for 100% 

capital security with a 

fixed return 


capital security with a 

minimum return and 

the opportunity to earn 

a return up to 40% 


capital security and the 

opportunity to earn a 

return of up to 65% 

I am willing to risk 10% 

of my original capital to 

maximise the opportunity 

to earn a return of up to 

110% 

I am willing to risk 

20% of my original 

capital to maximise the 

opportunity to earn a 

return of up to 170% 

Up to 

+170% 

Up to 

+110% 

Your Capital 

Maximum Return at 

the end of 4 Years 11 

months (gross of tax 

and net of charges) 

Fixed Return at the 

end of 4 Years 11 

months (gross of tax 

and net of charges) 

+18% 

Up to 

+40% 

Min of 

+9% 

Up to 

+65% 

Min of 

0% 

While great care has been taken in its preparation, this document is of a general nature and should not be relied on in relation to a specific 

issue without taking appropriate financial, insurance, investment or other professional advice. The content of this document is for information 

purposes only and does not constitute an offer or recommendation to buy or sell any investment or to subscribe to any investment management 

or advisory service. If there is any conflict between this document and the policy conditions, the policy conditions will apply. Please note that 

mention of specific stocks/shares or investments is not a recommendation to trade in those stocks/shares or investments. The details shown 

relating to the Dawson Investment Choice Series 1 and its composition are as at the dates stated, and may change over time. 

Capital Secure 

Difference between 

your capital and 

capital security 

100% Capital Secure 





The Dow Jones Euro STOXX 50® is the intellectual property (including registered trademarks) of STOXX Limited, Zurich, Switzerland and/or 

Dow Jones & Company, Inc., a Delaware corporation, New York, USA, (the “Licensors”), which is used under license. This investment which is 

based on the Index is in no way sponsored, endorsed, sold or promoted by the Licensors and neither of the Licensors shall have any liability with 

respect thereto. 

FTSE(tm) is a trade mark of London Stock Exchange Plc and The Financial Times Limited and is used by FTSE International Limited under 

licence. All rights in the FTSE Indices vest in FTSE and/or its licensors. Neither FTSE nor its licensors accept any liability for any errors or 

omissions in the FTSE Indices or underlying data. All S&P data is provided “as is”. In no event, shall S&P, its affiliates or any S&P data provider 

have any liability of any kind in connection with the S&P data. No further distribution or dissemination of the S&P data is permitted without 

S&P’s prior express written consent. 

All Nikkei data is provided “as is”. In no event, shall Nikkei, its affiliates or any Nikkei data provider have any liability of any kind in connection 

with the Nikkei data. No further distribution or dissemination of the Nikkei data is permitted without Nikkei’s prior express written consent. 

All Hang Seng Index (HSI) data is provided “as is”. In no event, shall HSI, its affiliates or any HSI data provider have any liability of any kind in 

connection with the HSI data. No further distribution or dissemination of the HSI data is permitted without HSI’s prior express written consent. 

Upside Participation N/A 75% 100% 120% 135% 

All BRIC data is provided “as is”. In no event, shall BRIC, its affiliates or any BRIC data provider have any liability of any kind in connection with 

the BRIC data. No further distribution or dissemination of the BRIC data is permitted without BRIC’s prior express written consent. 

All S&P data is provided “as is”. In no event, shall S&P, its affiliates or any S&P data provider have any liability of any kind in connection with the 

S&P data. No further distribution or dissemination of the S&P data is permitted without S&P’s prior express written consent. 

New Ireland Assurance Company plc is regulated by the Central Bank of Ireland. A member of Bank of Ireland Group.

Introduction 

Investing involves choice - the more security (or less risk) you want, the lower 

the growth potential of your investment; the more potential growth you want, 

the greater the amount of capital security you may have to forgo. 

With the Dawson Investment Choice Series 1 there are 5 options for you to 

choose from, ranging from Investment Strategy A (Low Risk) to Investment 

Strategy E (Medium to High Risk): 

• Investment Strategy A - 100% capital security with a fixed return of 18% after 

a 4 year and 11 month period. (Low Risk) 

• Investment Strategy B - 100% capital security with a minimum return of 9% 

and the opportunity for a return of up to 40% after a period of 4 years and 11 


• Investment Strategy C - 100% capital security and the opportunity to earn up 

to a 65% return after a period of 4 years and 11 months (Low Risk) 

• Investment Strategy D - 90% capital security and the opportunity to earn up 

to a 110% return after a period of 4 years and 11 months (Medium Risk) 

The Dawson 

Investment Choice 

Series 1 is an 

investment solution 

from New Ireland 

designed to help you 

choose an investment 

with the right 

combination of capital 

security and potential 

return for you. 

• Investment Strategy E - 80% capital security and the opportunity to earn up to 

a 170% return after a period of 4 years and 11 months (Medium to High Risk) 

All returns quoted are gross of tax and net of charges. 

Whatever your attitude to risk and return, the Dawson Investment Choice has 

an option for you. 

Capital Security 

New Ireland Assurance holds a deposit with Bank of Ireland to provide the 

stated levels of capital security and any return on the amount invested in the 

Dawson Investment Choice Series 1 on 2 May 2017. New Ireland Assurance is 

committed to passing on to you, the policyholder, the amount received from 

Bank of Ireland on that date. If, for any reason, New Ireland is not repaid its 

deposit in part or in full on that date, you may not receive back some or all of 

the amount invested (including any capital secure amount) and/or your return. 

It is important to note that your investment is in a life assurance policy with 

New Ireland Assurance and you do not hold a deposit account. 

Warning: The value of your investment may go down as well as up. 

Warning: This product may be affected by changes in currency exchange rates. 

Warning: If you invest in this product, you will not have any access to your money until 2 May 2017. 

Warning: If you opt for Investment Strategy D, you could lose 10% of the money you invest on 2 May 2017. 

Warning: If you opt for Investment Strategy E, you could lose 20% of the money you invest on 2 May 2017. 

Warning: After 2 May 2017, if you remain invested in this product you may lose some or all of the money you invest. 

1

How returns are calculated 

Features of indices 

• Provides exposure to world 

stock markets 

• The main focus is on the US, 

which continues to be the 

engine for world growth 

If you choose Investment Strategy A, you will receive a fixed return of 18% 

(gross of tax and net of charges) at the end of the initial investment period. 

If you choose Investment Strategies B, C, D or E, part or all of the return on 

your investment is linked to the performance of global stock markets. This 

is done through tracking the combined performance of 6 global stock market 

indices as follows: 

• Exposure is split 80% noneurozone, 

20% eurozone, to 

provide a natural hedge for 

investors who have a lot of their 

wealth tied to the euro 

10% 

5% 

5% 

• Non-eurozone indices 

are exposed to currency 

movements. Any weakness in 

the euro will increase returns; 

conversely any gains by the euro 

against foreign currencies will 

decrease returns 

15% 

20% 

45% 

• The return of the indices over 

the 4 years and 11 months 

does not include dividend 

reinvestments 

45% S&P 500 (exposure to the US stock market) 

20% Eurostoxx 50 (exposure to Euroland stock market) 

15% BRIC 40 (exposure to four emerging markets: Brazil, Russia, India, and China) 

10% FTSE 100 (provides exposure to UK stock market) 

5% Nikkei 225 (provides exposure to Japanese stock market) 

5% Hang Seng Index (provides exposure to Hong Kong stock market) 

The weighting in each of the market indices is as shown in this pie chart and 

does not change over time. 

2

Growth of the combined indices and participation in the growth 

of the indices 

The growth of each of the 6 indices is taken into account, in accordance with the 

weightings set out previously, when calculating the combined growth over the 

initial investment period. 

This means that a rise in one index (using the specific weighting of that index 

as outlined in the pie chart) positively impacts the overall growth. The opposite 

is also true. A fall in one index (using the specific weighting of that index as 

outlined above) impacts the overall growth over the initial investment period. 

The different investment strategies (B, C, D or E) provide for different levels 

of participation in the growth, if any, of the combined indices. If, for example, 

participation is stated to be 75% of any growth in the indices, then your return, 

subject to any minimum or maximum return that may apply, will be equal to 

75% of the combined growth of the indices over the initial investment period. 

Where 100% capital security is not provided, any fall in the combined indices 

will impact on your return at the end of the initial investment period. 

3

4 

Your Investment Choices

Investment Strategy A - 100% Capital Security with a 

fixed return of 18% (gross of tax) at the end of the initial 

investment period 

+18% 

Customer type: 

‘I am looking for 100% capital 

security with a fixed return’ 


Fixed return at the 

end of 4 years 11 months 

Return 

18% (gross of tax and net of charges) 

Capital Security 100% Capital Security on 2 May 2017 

Initial Investment Period 4 years 11 months 

Access 

No access until the end of the initial investment period 

Risk 

Low Risk 

Investment start date 31 May 2012 



100% Capital Security 

Risk Profile 

Low Risk 


New Ireland Assurance holds a deposit with Bank of Ireland to provide the stated level of capital security and the return on the 

amount invested in the Dawson Investment Choice Series 1 on 2 May 2017. New Ireland Assurance is committed to passing on 

to you, the policyholder, the amount received from Bank of Ireland on that date. If, for any reason, New Ireland is not repaid its 

deposit in part or in full on that date, you may not receive back some or all of the amount invested (including any capital secure 

amount) and/or your return. It is important to note that your investment is in a life assurance policy with New Ireland Assurance 

and you do not hold a deposit account. 




5

Investment Strategy B - 100% Capital Security with a potential 

return of up to 40% (gross of tax) and a minimum return of 9% 

(gross of tax) at the end of the initial investment period 

Up to 

+40% 


‘I am looking for 100% Capital 

Security with a minimum 

return and the opportunity to 

earn a return up to 40%.’ 


Maximum return at the 


Maximum of 40% (gross of tax and net of charges) 

Return 

Minimum of 9% (gross of tax and net of charges) 



Access 


Risk 

Low Risk 

Participation 

75% of the growth in the indices 


Min of 

+9% 


Investment Strategy B: 

What would happen at the end of the initial investment period to E100,000 invested given different market movements? 



Risk Profile 

If indices have risen by 10% 

If indices have fallen by 10% 

If indices have risen by 25% 


If indices remain flat 

Low Risk 

Client receives a return of €9,000 plus their €100,000: 10% x 75% = €7,500, 

minimum return earned as higher 

Client receives a return of €9,000 plus their €100,000: 


Client receives a return of €18,750 plus their €100,000: 25% x 75% = €18,750 return 





The return of the indices combined needs to be approximately 53% over the 4 years and 11 months for the maximum return to 

be earned. If the indices fall over the initial investment period, you will receive your original amount invested and the minimum 

return of 9%. 

All returns shown in the examples above are quoted gross of tax and net of charges. 


New Ireland Assurance holds a deposit with Bank of Ireland to provide the stated level of capital security and the return on the 









Warning: The figures illustrated are estimates only. They are not a reliable guide to the future performance of your 

investment. 


6

Investment Strategy C - 100% Capital Security with a 

potential return of up to 65% (gross of tax) at the end of 

the initial investment period 

Up to 

+65% 


‘I am looking for 100% 

capital security and 

the opportunity 

to earn a return 

up to 65%.” 





Return 

Minimum of 0% (gross of tax and net of charges) 



Access 


Risk 

Low Risk 

Participation 



Min of 

0% 


Investment Strategy C: 




Risk Profile 

Low Risk 

If indices have risen by 10% Client receives a return of €10,000 plus their €100,000: 10% x 100% = €10,000 


Client receives back their €100,000 : 100% capital security applies 



Client receives back their €100,000: 100% capital security applies 

If indices remain flat 

Client receives back their €100,000: 100% capital security applies 

The return of the indices combined needs to be at least 65% over the 4 years and 11 months for the maximum return to be 

earned. If the indices fall over the initial investment period, you will receive back 100% of the original amount invested. 



New Ireland Assurance holds a deposit with Bank of Ireland to provide the stated level of capital security and any return on the 










investment. 


7

Investment Strategy D - 90% Capital Security with a 

potential return of up to 110% (gross of tax) at the end of 

the initial investment period 

Up to 

+110% 


‘I am willing to risk 10% of my 

original capital to maximise the 

opportunity to earn a return up 

to 110%.’ 




Difference between your capital and 


Return 



Initial Investment Period 

Access 

Risk 

Participation 

4 years 11 months 


Medium Risk 


120% of upside growth in the indices 

100% of downside in the indices (subject to 90% capital security) 

Investment Strategy D: 


90% Capital 

Secure 



Risk Profile 

Medium Risk 



Client receives a return of €90,000: 90% capital security applies 



Client receives back €90,000: 90% capital security applies 

If indices remain flat Client receives back €100,000 

The return of the indices combined needs to be approximately 92% over the 4 years and 11 months for the maximum return to be 

earned. If the indices fall over the initial investment period, you will receive back at least 90% of the original amount invested. 












Warning: If you choose Investment Strategy D, you could lose 10% of the money you invest on 2 May 2017. 


investment. 


8

Investment Strategy E - 80% Capital Security with a 

potential return of up to 170% (gross of tax) at the end 

of the initial investment period 

Up to 

+170% 


‘I am willing to risk 20% of my 

original capital to maximise the 

opportunity to earn a return up 

to 170%.’ 




Difference between your capital and 


Return 



Initial Investment Period 

Access 

Risk 

Participation 

4 years 11 months 





100% of downside in the indices (subject to 80% capital security) 

Investment Strategy E: 


80% Capital 

Secure 



Risk Profile 




Client receives a return of €90,000: 10% fall impacts what customer get back 



Client receives back €80,000: 80% capital security applies 

If indices remain flat Client receives back €100,000 

The return of the indices combined needs to be approximately 126% over the 4 years and 11 months for the maximum return to 

be earned. If the indices fall over the period, you will receive back at least 80% of the original amount invested. 

All returns shown in the examples above are quoted gross of tax and net of charges 











Warning: If you choose Investment Strategy E, you could lose 20% of the money you invest on 2 May 2017. 


investment. 


9

Frequently Asked Questions 

n 

Who can invest? 

To invest, you must be living in the Republic of Ireland and aged between 18 

and 75 (next birthday). In the case of joint-life policies, the younger of the 

two investors must be aged 75 or under (next birthday). 

n 

What is the minimum investment amount? 

The minimum investment is €10,000. 

n 

Is this investment suitable for me? 

If you are satisfied that you will not need access to your investment for 4 

years and 11 months and are looking for an investment that provides a 

specified level of capital security at the end of the initial investment period 

and good growth potential, then the Dawson Investment Choice Series 1 

may be suitable for you. 

n 

How long do I invest for? 

Your chosen strategy has an initial investment period of 4 years and 11 

months. The closing date is 25 May 2012 and we will start the investment on 

31 May 2012. The end of the initial investment period is 2 May 2017. 

n 

What charges do I pay? 

The charges include our costs of setting up and running your investment. 

Please refer to the Key Features document for more details. 

n 

Can I cash in my policy early? 

No, this is a minimum term investment. You will only get access to your 

funds at the end of the initial investment period of 4 years 11 months. 

n 

What happens at the end of the initial investment period? 

At the end of the initial investment period (2 May 2017) we will switch the 

value of your investment into one of our cash funds. At this time, you can: 

1. cash in your investment or 

2. switch to other funds made available to you at that time. 

10

n 

What tax do I pay? 

The tax rate for personal investors is currently 33% (April 2012) of any 

growth on your investment. We will pay this tax for you to the Revenue from 

any profit your investment makes. This tax will be paid if you choose to 

encash your policy after the end of the initial investment period of 4 years 11 

months, on transfer of ownership of your Dawson Investment Choice Series 

1 policy, on your death or at the end of every 8 year period from the start of 

your policy. 

Where taxes or other levies are imposed by Government, these will 

be collected by New Ireland Assurance and passed to the Revenue 

Commissioners. The current levy on life assurance premiums is 1% (April 

2012). New Ireland will pay this levy. 

n 

What happens to my investment if I die? 

If you die or in the case of joint-life policies, if both investors die while the 

investment is in force, we will pay 100.1% of the value of your policy on the 

day after we receive written notification of death. If death occurs during the 

initial investment period of 4 years 11 months, the benefit payable will be at 

least equal to the initial investment amount. 

n 

What if I change my mind? 

You have a cooling off period of 30 days commencing on the date of issue by 

New Ireland of your policy document. Within this period if you change your 

mind, you can close your investment. The amount invested with New Ireland 

will be refunded less an adjustment for any downward movement in the 

price from the date of policy commencement to the date of cancellation. 

n 

Who provides the capital security and returns? 

New Ireland Assurance holds a deposit with Bank of Ireland to provide the 

stated levels of capital security and any return on the amount invested in the 

Dawson Investment Choice Series 1 on 2 May 2017. New Ireland Assurance 

is committed to passing on to you, the policyholder, the amount received 

from Bank of Ireland on that date. If, for any reason, New Ireland is not 

repaid its deposit in part or in full on that date, you may not receive back 

some or all of the amount invested (including any capital secure amount) 

and/ or your return. It is important to note that your investment is in a life 

assurance policy with New Ireland Assurance and you do not hold a deposit 

account. 

11

Next Steps 

To find out more about the Dawson Investment Choice Series 1 please contact 

Your Financial Advisor 

M 

G 

Call us on 1890 405 905 

www.newireland.ie 

To improve our service to you, calls may be recorded. 

12

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