With interest on offer from the banks and building societies at an all time low and likely to remain low for the foreseeable future we have 3 options that we believe will deliver good returns over the next few years.

Remember if you invest into a life assurance fund you pay no DIRT tax on your savings until you draw down on your savings, so your money grows tax free.

1) Zurich Launch Easy Access Investment Bond

The main details are as follows

• 100% access to any part of your savings without penalty, normally exit penalties apply for first 5 years but not with this new account.
• Minimum investment is €5000 Max is €50,000
• You can invest into any one of Zurich 59 funds , including their Low risk SuperCAPP Fund and 5 risk rated Multi Asset funds which have all delivered exceptional results over the last 12 months
• SuperCapp fund is a perfect fund for the low risk investor who wants to get slightly better than bank deposit returns , with return of 19% over the last 5 years
• On line access so you can monitor the progress of your investment
• Facility to switch between funds at no cost to the investor
• Investing with Zurich ,award winning investment manager 

2) Friends First, Irish Commercial Property Fund

We expect this fund to deliver returns of between 8% and 10% this year. Irish commercial property is experiencing a pickup in activity with approx €1bn of Irish commercial property bought in Q1 2015. Also the weakening of the Euro relative to sterling and the dollar has brought interest from the UK and US.

Main details are as follows

• Friends First own 19 properties all mainly in Dublin with no borrowing or debt to service in relation to the properties.
• Properties are in really good locations including , Stephens Green , Grafton Street , Blackrock Shopping centre , Royal Hibernian Way and Pavilions SC in Swords. 
• Vacancy rate in Dublin prime office space is now less than 2%
• Office sector is driving the recovery and Retail sector is expected to pick up in 2015 and Friends First have a number of high quality retail units.
• Bank finance is becoming more readily available which is also increasing demand.
• Average lease term is now 7 years

3) Aviva AIMS, Multi Strategy Fund

This fund is aiming to achieve a return of 5% per annum above the ECB base rate , before charges over a rolling 3 year period.

This fund seeks to deliver returns by identifying investment opportunities across and within a wide range of different asset classes e.g. equities, bonds property etc.

If you are interesting in finding out more about this and other fund that we have available please contact me Colm Kelly at 01 8700370 or 087 4191999

These funds are available for either lump sum or monthly investment or both together.