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Many retirees struggle to have enough income to fund a comfortable retirement because of an over-reliance on so-called “low risk” asset allocations, a problem that requires innovative solutions to overcome according to the team at Legg Mason’s Martin Currie. Access the full article here.
With the Reserve Bank of Australia (RBA) cutting the official cash rate to just 1.00% on 2 July, retirees and investors face increased challenges in deriving enough income from their investments to meet their needs. This is an ongoing issue with more interest rate cuts forecast by financial markets. The following chart puts this challenge […]
The possibility of the RBA undertaking a quantitative easing program could have major ramifications for retirees, who may be forced to increase their exposure to equities if interest rates continue to spiral downwards. It’s been an eventful month for markets – the Coalition won the federal election in a surprise upset, the RBA cut rates […]
When you ask clients how they think about risk in retirement, you are unlikely to get a textbook response. Instead, you’ll probably get a list of their deepest fears: running out of money, leaving their children with nothing, living too long, retiring during the next GFC, or not having enough cash on hand to pay […]
As it continues to grapple with the challenges facing retirees, the Australian retirement industry in some ways resembles a research institution―continually coming up with ideas for solutions to those challenges, testing them, then implementing them and reviewing the results. For those involved in such an enterprise, it’s always interesting to see how well (or badly) […]
“How much can I spend?” This question lies at the heart of so many conversations between a retiree and their adviser. Although not explicitly stated, this simple question ties in to so many other related concerns – Can I spend enough to be comfortable? Will I run out of money? What are my options if […]
Lonsec has seen significant growth in its Managed Accounts offering over the last 12 months, as financial advisers increasingly seek an efficient way to implement professionally managed portfolios. This growth is set to be given a further boost with Lonsec’s Managed Account solutions to be made available via the Netwealth platform. As managed accounts gain […]
Congratulations to all of the award winners & finalists from this year’s SuperRatings and Lonsec Fund of the Year Awards Dinner. A full list of the awards is available below. SuperRatings Fund of the Year Award Winner UniSuper SuperRatings Pension of the Year Award Winner QSuper Finalists AustralianSuper BUSSQ Cbus Super Equip HESTA Sunsuper TelstraSuper […]
How Actively Managed Fixed Income Can Meet the Needs of Retirees We have been in a period where financial market volatility has been abnormally low and as such, the focus in fixed income has become overly skewed to how much interest income can be generated, at the expense of ignoring downside risks. For this reason, […]
In recognition of the growing challenges facing retirees, Lonsec has published a paper on the role annuities can play in retirement portfolios. The paper explores some of the common issues facing retirees such as sequencing risk, longevity risk and market risk. The main benefits and risks of annuities are considered as well as how annuities […]
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