Traditional bucketing can help clients manage liquidity and reduce the need to sell growth assets when markets fall. But it cannot remove longevity uncertainty or guarantee an income for life.
For advisers already helping SMSF and high-net-worth clients manage cash buckets, sequencing risk and long retirement horizons, the practical question is simple: could guaranteed lifetime income make an existing strategy work harder?
New research from Allianz Retire+ and modelled by Accurium has found that lifetime income products such as Allianz Guaranteed Income for Life (AGILE) and cash bucketing are complementary, with each contributing to improved outcomes.
Our latest whitepaper, Beyond traditional bucketing, explores whether adding guaranteed lifetime income could address three of the key questions clients care about:
- do I have enough?
- what can I spend?
- what will be left for my family?
What you’ll gain from this paper:
- Why the risks are different in retirement and why traditional bucketing may not address these risks.
- What the Accurium modelling found across different SMSF client profiles, balances and portfolio settings.
- How AGILE can be used within an SMSF to complement an existing bucketing strategy to improve spending confidence while preserving more assets for later-life needs or beneficiaries.
- The adviser opportunity: practical considerations for applying the research to conversations with suitable SMSF and high-net-worth clients.
Read the whitepaper to gain a practical, research-backed framework for assessing where guaranteed lifetime income could strengthen existing retirement strategies and help clients navigate the trade-offs between spending, certainty, liquidity, growth and legacy.
