We recognise the significance of how your investment needs change as you move towards retirement. Before retirement you work to save, but then suddenly your savings have to go to work for you. This subtle change requires different types of portfolios and investments than when you are still accumulating, and we have developed a number of investment strategies particularly suitable to retirement incomes.
“Whether it be Centrelink maximisation, tax optimisation or portfolio efficiency we can help to develop strategies specifically to cater for your needs.”
Our retirement portfolios use what we call a cash-matching approach where all underlying investments are expected to produce income on their own, and collectively we aim to produce a regular cash flow from the portfolio that is close to matching your pension income needs. In this way the risk of having to sell down assets (as happened during the GFC) is significantly reduced.