Retirement Planning
For people within 10 years of retirement, it is vital that, if you haven’t already, you begin creating an appropriate investment structure for retirement. The right strategies can considerably increase your retirement savings nest egg, and they can achieve higher disposable income during retirement.
Our strategic pre-retirement investment advice covers the following topics.
-
Transitioning to retirement
The right strategies in the pre-retirement years can save you thousands of dollars. By reviewing and potentially restructuring existing investments, we enable a smooth and profitable transition into retirement.
Our strategies focus on:
- ways to reduce overall tax paid in the pre-retirement years
- increasing assets held in the lower-taxed superannuation environment
- managing the level of capital gain tax paid
- increasing retirement savings
-
Selecting retirement products
For many retirees, an allocated pension and/or term allocated pension will be the best place to invest some or all of their assets in retirement. However, there are many of these products to choose from and for some people, a self manage structure will be most appropriate. We recommend the most appropriate approach and product for you, based on your individual situation and lifestyle goals.
-
Managing assets
The investment management of our clients’ retirement funds is a key part of our role. The level and pattern of returns that retirees earn on their life savings has a significant impact on how long their pensions will last.
We recommend investment allocations that depend on your risk tolerance. In general though, we believe that a diversified approach is necessary to unlink your investment return from any single asset market (e.g., the Australian share market). We are extremely thorough in our research of investment products and asset allocation; we are always on the lookout for new assets and investment approaches that make sense for our clients.