Smart Invest by Irish Life 4+

Want to take control of your financial goals? Smart Invest can help make your euros work harder.

Our new digital platform from Irish Life Financial Services and Irish Life Assurance makes investing easy. Start investing with as little as €100.

Put your money to work
- Get simple, digital investment advice from Irish Life Financial Services to invest in the FlexInvest plan with a Multi-Asset Portfolio (MAPs) fund that is right for you.
- FlexInvest is an open-ended life insurance investment plan from Irish Life Assurance*
- You will have life cover of 100.1% of the plan value, less taxes.
- Manage your investment easily online. Track performance or top up any time at the touch of a button.

Become a smarter investor
- Smart Invest guides you through understanding the level of risk you’re comfortable with so that you can confidently invest in a plan tailored to you.

Keep your money safe
- Two-factor authentication and extra withdrawal protection are also in place to keep your data and money safe.

Keep fees simple
- There is a 1.25% fund management charge included in your fund price (a standard management fee of 1.10% plus a variable fee averaging 0.15%).
- There are no additional set up or withdrawal charges on the FlexInvest plan.

Taxes & Levy
- Any investment returns will be subject to exit tax, currently 41%.
- The Government takes a 1% levy each time you invest in FlexInvest.

Who can invest
- Any person resident in Ireland and aged 18 to 69.
- Not available to US citizens or Politically Exposed Persons (PEPs) or Relatives of Close Associates of PEPs.

Find out more
- To read the FlexInvest product booklet and terms and conditions please visit https://smartinvest.irishlife.ie/pdfs/flex-invest-terms-and-conditions.pdf
- For the FlexInvest Key Information Document please visit https://www.irishlife.ie/investments/key-information-documents/

Warning: If you invest in this product you may lose some or all of the money you invest.

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

Warning: These funds may be affected by changes in currency exchange rates.

* You may need to top up your investment to keep your plan open.

Irish Life Assurance is one of Ireland’s leading life and pensions companies with more than one million customers.

Irish Life Assurance plc is regulated by the Central Bank of Ireland. It is registered in Ireland. Registered Office: Irish Life Centre, Lower Abbey Street, Dublin 1. Registered Number: 152576.

Irish Life Financial Services is tied to Irish Life Assurance for life and pensions. Irish Life Financial Services Limited is regulated by the Central Bank of Ireland. It is registered in Ireland. Registered Office: Irish Life Centre, Lower Abbey street, Dublin 1. Registered Number: 489221.