The triple threat to retirment portfolios.
Two part workshop - 20 & 27 Oct. 11am AEDT.
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.
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’.
Tools and education
Traditional defensive assets can’t provide the returns retirees need to sustain retirement income for a lifetime.
John & Lorna enhance their bucketing strategy using Future Safe so they can enjoy a comfortable retirement.
A snapshot of Future Safe’s main features and benefits.
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
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.