RI strategies

Retirement income strategies

For financial adviser use only
Illustrative typical case study Charlotte and Charlie
Age Pension uplift strategy: Charlotte and Charlie

An illustrative case study showing how a 30% allocation to a lifetime annuity can make a big difference today and tomorrow.

Features of annuities
Opportunity zones chart

The Opportunity Zones chart gives you a quick snapshot of Age Pension eligibility and the dominant means test determining the rate of Age Pension payable.

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Reducing your client’s assessable assets for the Age Pension means test

Learn how clients might go about reducing their assessable assets without limiting future opportunities to generate income, or be left without savings to draw on for planned or unforeseen expenses.

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Eligibility for concession cards and other benefits 

Learn about the scope of benefits from concession cards and how you can include them in your clients’ retirement income strategy.

Myth busting content
4 things clients get wrong about lifetime annuities

When considering lifetime annuities as part of a retirement income plan, you may have questions about how suitable they are for your clients. We address four things clients get wrong about lifetime annuities.

How your retirement philosophy helps
Help clients navigate a low rate environment

A ‘safety-first’ approach to retirement income can provide your clients with the peace of mind they seek in retirement. We compare this approach to alternative strategies in managing low interest rates and market swings of 2020.

Changes to social security means testing
Social security means test rules changes

Changes to the assets and income test treatment of lifetime income streams applied from 1 July 2019 for pre and post retirees could change your clients Age Pension and retirement income outcomes.

Spending patterns in retirement 2
Retirement spending planners for singles

This retirement spending planner for singles can help you determine how much you ‘need’.

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Retirement spending planners for couples

This retirement spending planner for couples can help you determine how much you ‘need’.

Webinars CONTENT
Social security means test rules - the advice opportunities

The assets and income test of lifetime income streams has changed. The rules are designed to support the use of certain lifetime income streams which feature payments for life, regardless of how long your client may live, and reducing access to capital over life expectancy.

The Age Pension means testing what the changes mean for you
New means test rules client examples

Three examples of how the new means test rules for lifetime income streams can improve client’s Age Pension outcomes.

Australian seniors still worried by market volatility
Addressing clients volatility concerns

Advisers tell us that during times like these it makes sense to have a plan for addressing clients’ volatility concerns.

Yin and Yang
Retirement income philosophies paper

1 May 20 - This research paper explores two opposing philosophies of retirement income planning; probability-based and safety-first. And, explains the distinctions and thought processes behind them.

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Retirement income philosophies summary

This article presents the distinctions and thought processes of probability-based and safety-first schools of thought, and explains why having an understanding of both is important in getting the best outcomes for clients.

Capital notes 2 CGFPB
Should I wait to recommend a lifetime annuity?

A recommendation to restructure a client’s retirement assets and make a partial allocation to a lifetime annuity will need to consider a variety of factors.

The retirement income challenge
How to structure a clients lifetime income stream: Part 1

Once a decision has been made to invest in a lifetime income stream, you can consider which partner owns the income stream and how much to allocate to it.

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How to structure a clients lifetime income stream: Part 2

Once a decision has been made to invest in a lifetime income stream, you can consider which partner owns the income stream and how much to allocate to it.

Am I retirement ready
An introduction to deferred lifetime annuities

The introduction of the Government’s ‘Innovative Superannuation Income Streams’ Regulations has allowed for the development of a variety of income streams.

Capital notes CGFPA
A guide to the Commonwealth Seniors Health Card

Eligible self-funded retirees may receive assistance with certain living costs via the Commonwealth Seniors Health Card (CSHC).

Conditions of use
How much are the Centrelink concession cards worth

One benefit of receiving the Age Pension is the Pensioner Concession Card (PCC). But how much value does the PCC provide your client?

How to use annuity in portfolio
Solving for guaranteed income in retirement portfolios

Strategic Insight has released a paper which sets out its views on the important topic of lifetime annuities used in retirement portfolios.