Future Safe by Allianz Retire+
  Protecting your retirement savings

Future Safe is an investment product designed for Australian retirees. With Future Safe, you can keep growing your retirement savings by accessing the returns of the sharemarket and have peace of mind with the certainty of a range of outcomes. You can even limit your sharemarket losses to 0% (before the annual product fee and applicable taxes) if you want to.

Security + Growth + Income + Flexibility = Future Safe

  • Security
    Security

    Keep growing your retirement savings with the peace of mind in knowing your range of returns for the year ahead upfront.

  • Growth
    Growth

    Gain exposure to returns linked to domestic and global equity indices, or earn a steady fixed return, at the chosen level of protection.

  • Income
    Income

    Keep earning through a regular income stream or make ad hoc withdrawals when required.

  • Flexibility
    Flexibility

    Change your investment strategy as your life changes, with ability to update your protection and investment options annually.

We're here to help. If you have any questions or you would like to know more about Allianz Retire+ Future Safe, please reach us on 1300 371 136 (between 8.30am and 5.30pm AET, Mon-Fri).
Download Product Brochure

Protection + Certainty

Future Safe can protect retirement savings when they're most vulnerable to a sharemarket downturn. We offer a range of protection options - expressed as Caps and Floors1 - allowing investors to benefit from market growth up to the selected Cap, while limiting losses to the selected Floor. Future Safe protection and investment options are reviewed annually, providing certainty in a range of outcomes for the year ahead and the flexibility to adapt to changing lifestyle needs or broader portfolio objectives.

 

1. The Caps and Floors, and return on the Fixed Rate are expressed before the annual product fee and any applicable taxes.

Current caps & rates

How Future Safe Works

  • Step 1
    Step 1

    Understand your investment goals

    Consider your objectives and the returns you need to reach your goals, along with your liquidity needs.

  • Step 2
    Step 2

    Choose an initial Investment Interval

    Decide if you want the initial Investment Interval to be 7 years or 10 years. At the end of each Investment Interval you can apply to remain invested, or make a withdrawal.

  • Step 3
    Step 3

    Choose a protection option

    Decide which protection option will best meet your objectives and decide your Floor for the first year. You can’t lose more than your Floor (excluding fees and applicable taxes).

  • Step 4
    Step 4

    Choose an investment option2

    Choose from domestic and global equities index linked options, a one year Fixed Rate investment, or a combination of these.

  • Step 5
    Step 5

    Access your money as regular income/lump sum

    Access 5% of your account balance at commencement of the Investment Interval + interest credited in the previous year.3

  • Step 6
    Step 6

    Check in each year to review your strategy

    Update your protection or investment options each year, to meet your lifestyle and financial needs.

2. S&P/ASX 200 Total Return Index; S&P/ASX 200 Price Return Index; MSCI World Net in Australian Dollar Index; or Fixed Rate.
3. Future Safe provides an amount that can be withdrawn free of charge each year. Amounts above the Free Withdrawal Amount will be subject to a Market Value Adjustment. When investing into a second (or subsequent) Investment Interval, the Free Withdrawal Amount will not include interest earned in the final year of the previous Investment Interval.

Who is Future Safe suitable for?
Ideal for pre-retirees or retirees

Future Safe is suitable for those who are near or in retirement and wish to protect their retirement savings while still benefiting from some growth. 

It could also be suitable for those who wish to maintain their lifestyle, leave a legacy, invest tax effectively or access sharemarket returns with a lower level of volatility.

  • Within 20 years of your target retirement date, already retired, or a high income earner with a marginal tax rate above 30%. 

  • Concerned about the impact of volatility and sharemarket losses on your investment. 

  • Looking for a solution to complement your superannuation. 

  • Looking for certainty with estate planning and distributing wealth. 

  • Looking for an investment with little to no tax reporting.

About Allianz Retire+
Creating the retirement Australians deserve

Allianz Retire+ brings together Allianz's insurance know-how with PIMCO's unrivalled investment expertise to create Allianz Retire+.

For 130 years, Allianz has been delivering financial stability and security to people around the world. Its proven track record is matched with PIMCO's gold-standard expertise and performance in income management. In 2017, we combined the skills of these two global leaders to create Allianz Retire+, an Australian company solely focused on creating the retirement Australians deserve.

Australians work hard. They deserve to be proud of what they’ve achieved and to feel confident about their financial security – their retirement should be a stress-free time. Allianz Retire+ is here to deliver the next generation of retirement investment solutions to the Australian market. Our solutions are designed to simplify the complex financial and emotional challenges that can confront people who are heading into retirement. 

Download Company Brochure

Want to know more? Please reach out to our team. Email us at enquiries@allianzretireplus.com.au

Case Studies

Get inspired by our examples of using Future Safe to enjoy retirement with confidence.

  • A safety net for a secure transition to retirement


    Patricia
    Patricia wants to preserve her super balance and draw an income to supplement part-time earnings.

  • Making sure you can leave a legacy for your children


    Laura + Ricardo

    They are happy if their SMSF does not go backwards.

  • Reduce the risk of losses through a tax efficient investment

    Christine
    Christine is concerned about the tax treatment of investment returns outside of super given her high marginal tax rate.