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
 
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