Retirement income strategies
| For financial adviser use only |
|---|
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.
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.
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.
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.
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.
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.
Retirement spending planners for singles
This retirement spending planner for singles can help you determine how much you ‘need’.
Retirement spending planners for couples
This retirement spending planner for couples can help you determine how much you ‘need’.
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.
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.
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.
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.
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.
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.
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.
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.
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).
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?
Solving for regular 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.
Social security income and assets test strategy zones
When determining clients’ eligibility for the Age Pension we consider, among other criteria, their assessable income and assets.