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Published byDylan Gunnell Modified over 9 years ago
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CREATING RETIREMENT INCOME SECURITY Brightstone C a p i t a l A d v i s o r s
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THE REALITY Retirees have had to increasingly shoulder the burden of seeing to their own financial well-being in retirement. THE OBJECTIVE To create a comfortable and secure retirement income. THE SOLUTION Multiple risks and trade-offs need a multi-step implementation strategy. RETIREMENT PLANNING REALITY, OBJECTIVES & SOLUTIONS Brightstone C a p i t a l A d v i s o r s
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Project income and capital usage ahead for individual retiree in real terms. Work out Age Pension entitlements. Set payment duration conservatively. Set realistic target rate of return. Measure resultant sustainable income against desired and essential income. STRATEGY STEP ONE – THE RETIREMENT PLAN Brightstone C a p i t a l A d v i s o r s
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Income objective and liability driven investment strategies, designing portfolios that deliver: sustainable income that meets basic needs and capital growth to meet other goals. Establish cashflow needs. Focus on minimising retiree risks (longevity, sequence, inflation, market risk). Strategies must be customised. Evaluate trade-off of return and certainty. Active asset allocation strategies. Flexible implementation through traditional managed funds, ETFs or Super Fund sector options. STRATEGY STEP TWO – IMPROVING THE LEVEL OF SECURITY Brightstone C a p i t a l A d v i s o r s
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Tune-up investment strategy periodically for unexpected deviations to expected outcomes. Analyse and optimise retiree portfolios. Must be robust and cater for all eventualities Establish offset contribution and capacity to withstand deviations. Maintain a dynamic (not static) investment strategy. Tilt growth/defensive sector allocations on market over exuberance. STRATEGY STEP THREE – MONITORING AND MAINTAINING EFFECTIVENESS Brightstone C a p i t a l A d v i s o r s
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