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Saving and investing

Putting money away is a step towards feeling secure about the future.

A happy family of three in a field, enjoying the freedom gained from saving with AIB.

We'll help you choose the best option for you

 Not many people feel they’ve done enough to feel secure.

 The first step is putting money away. Whether that’s a small amount saved each month, or something bigger that you can leave to grow for a while, we have flexible savings options.

 But investing either a lump sum or regular amount could help you reach a financial goal sooner.

 If you’re curious about investing, read on to discover how 360 Invest could help your money work harder for you, or book a call with one of our advisors.

 If you’re set on a savings or a deposit account, take a look at what we can offer.

Make your money work with 360 Invest

We’ll help you feel more certain about what you’re doing with your money.

Take control over your money

 If you have some extra money and you think it can work harder for you, you don’t have to be overwhelmed by the options out there. Yes, there are risks with investing, but by talking to one of our financial advisors you’ll have all the information you need to take control.

 It doesn’t cost anything to talk to one of our financial advisors. But when you do, they’ll cut through the jargon and present some ideas that suit what you want your money to do.

A man standing by the coast thinking about how to invest his money.
A young couple assessing the AIB 360 investment policy together at home on their laptop.

How does it work?

The AIB life 360 Invest policy is an investment policy that’s flexible enough to match what you want.

There’s two ways you can add money to your account:

 Single Contribution: Pay a lump sum when you first open the account or later down the line if you like what you see or;

 Regular Contribution: Pay a regular amount from the start.

What happens to your money

 When you open an account your money buys into a fund where other people like you are already investing.

 We make it easy to spread your money across a range of areas. One fund might track bonds, which are loans to a government or a company in return for interest payments. Other funds focus on shares in tech and energy companies for example, while others concentrate on property. Many of our funds track a mix of shares, bonds and other asset types.

 Our financial advisors will advise you about the likely risk and return on each fund, so you’ll know what you can expect.

Two men discussing investments on a sofa.
A happy couple reviewing their investments on their laptop.

What you need to know

360 Invest is available:

 To people living in Ireland aged between 18 and 74.

 For an initial lump sum investment of at least €20,000 or €125 per month.

 To those comfortable taking some level of risk with this money and putting it away for at least five years.

Book a talk with one of our financial advisors. 

More about 360 Invest (PDF).

Set up a chat

Start investing from your phone

Making the decision to invest for your future is now easier. Our AIB life hub – a dedicated area of the mobile banking app – will help you move confidently from the idea of investing regularly to finding out what sort of investment suits you. You can even decide to open a plan in the hub by yourself. 

 Easy to invest - You can start investing directly through the app.

 Investment calculator - See how much your money can grow over time when you choose to invest.

 Invest regularly - Start investing from €125 up to €2,500 per month.

 Helpful guidance - Our intuitive tools help you to assess your risk level, and it gives you personalised investment advice.

Learn more about the AIB life hub
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What to expect when you talk to us

It’s the first step to feeling more secure.

Set up a chat

Ready to talk to us about savings and investments

Talking it through helps give you perspective.

Not sure what you need?

If you’re not sure where to start make a booking to talk to one of our advisors or read on for more information.

Regulatory information

AIB life is a partnership between Allied Irish Banks, p.l.c. (AIB) and Great-West Lifeco to provide protection, retirement and investment solutions through AIB’s Financial Advice service.

Allied Irish Banks, p.l.c. is tied to AIB life for life and pensions business.

Allied Irish Banks, p.l.c. is regulated by the Central Bank of Ireland.

Saol Assurance d.a.c., trading as AIB life is regulated by the Central Bank of Ireland.

Allied Irish Banks, p.l.c. has a 50% holding in Saol Assurance d.a.c.

Information on how AIB approaches sustainability risks (PDF) in the advice we give you about savings, investment and pension products provided by AIB life.

Information on how AIB considers principal adverse impacts on sustainability factors (PDF) in the advice we give you about savings, investment and pension products provided by AIB life.

Information on our Private Banking investment service.

Full details on our intermediary remunerations (PDF).

Some of the links above bring you to external websites. Your use of an external website is subject to the terms of that site. 

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 may lose some or all of the money you invest.