Retirement income strategies
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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.
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’.
Means testing animation
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.
Addressing clients volatility concerns
Advisers tell us that during times like these it makes sense to have a plan for addressing clients’ volatility concerns.
Retirement income philosophies paper
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 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.