Future Safe.

Allow your clients to seek returns with greater confidence.

In today’s challenging low-yield environment, risk mitigation is a key component of any robust retirement strategy.
A well-diversified portfolio combined with a protection strategy, can enhance the overall risk/return trade off, delivering additional certainty to your retirement portfolios.


The impact of falling interest rates

The record low interest rate environment is reducing the attractiveness of cash and other capital protected solutions, punishing clients who require a greater level of stability and safety.
  • Returns
    Returns

    Term deposit rates have fallen 97% since the GFC to just 25 basis points.1

  • Income
    Income

    Pre-GFC $1.25 million in term deposits could generate $103,000 pa. Today that same amount would only generate $3,125 pa.1.

  • Capital
    Capital

    A retiree would need $25 million invested in term deposits to fund a comfortable standard of living at current rates.2

  • Risk
    Risk

    The duration of investment grade bonds in Australia has crept from a pre-GFC average of 3.6 years to over 6 years.1


Longer life expectancies. A double-edged sword?

With an ever-increasing lifespan, retirees need sustainable investment yields and incomes that will outlast them – but not at the expense of increased capital drawdowns or unacceptable levels of volatility and sequencing risk.
And how can clients achieve the returns they need to maintain their lifestyle without introducing an unbearable level of risk and anxiety?

Probability of survival for a 65-year-old couple3


Future-proof portfolios with Future Safe

As an investment product issued by a life insurance company, Future Safe can be a reliable and viable alternative to low yielding defensive assets.

Designed for investors and retirees who don't want to risk the savings they've worked so hard to build, Future Safe offers a simple way to access sharemarket-linked returns with greater certainty.

It helps you to rebalance risk and return by providing downside protection though a ‘Floor’ and the potential for higher returns through market-linked returns, up to a ‘Cap’.

  • HUB24 Integration
    HUB24 Integration

    .

  • Xplan Integration
    Xplan Integration

    .

  • Research Ratings
    Research Ratings

    .

Tools and education

  • Hub24 Toolkit
    Hub24 Toolkit

    Future Safe tools and resources for HUB24 advisers.

  • Case Study
    Case Study

    John & Lorna enhance their bucketing strategy using Future Safe so they can enjoy a comfortable retirement.

  • Brochure
    Brochure

    A snapshot of Future Safe’s main features and benefits.

  • Future Safe PDS
    Future Safe PDS

    Allianz Australia Life Insurance Limited is the issuer of each policy and has authorised the issue of this Product Disclosure Statement (PDS).

Business Development Team

For a discussion on how you might use Future Safe with your clients, contact either your Business Development Manager, request a callback or phone 1300 421 060.

1.Reserve Bank of Australia: Retail deposit and investment rates; Banks’ term deposits ($10000); 1 year, at May 2021, issued 2 June 2021 [and using July 2008 term deposit rate of 8.25%].

2. Assumes average term deposit rate of 0.25%. Uses Association of Australian Superannuation Funds (ASFA) Retirement Standard of $62,828 in annual living costs for a retired couple who want a “comfortable lifestyle”. ASFA standard at March quarter 2021. Retirement Standard - ASFA (superannuation.asn.au) https://moneysmart.gov.au/glossary/asfa-retirement-standard.

3. Australian Life Tables 2015‑17, www.aga.gov.au/publications/life_table_2015-17.