Choosing the right retirement income strategy will be one of the most important financial decisions you will help your clients make. With strategies that can cover everything from everyday bills to holidays to future expenses - you can help your clients choose solutions to minimise the risk of them running out of money in retirement.

Introducing Rebalancing Retirement

Rebalancing Retirement is a time-segmented framework and a way for advisers to help build, manage, and maintain a retirement income for their clients over a sustained period of time.

It allocates wealth into four distinct purpose-driven buckets, and allows you to rebalance between the buckets to create a sustainable income plan. The result: a plan that adapts to life’s twists and turns, ensuring a client’s income today, stability tomorrow, looking to provide growth for the future, and a foundation for lifelong security.

Rebalancing Buckets

  • The Foundation Bucket

    Guaranteed base income (across retirement)

    This Bucket provides the certainty of a guaranteed income for life or a specific period of retirement.

  • The Immediate Income Bucket

    Short-term needs (typically 1-3 years)

    This Bucket provides predictable income for immediate and short-term expenditures, however volatile the market may be.

  • The Stability Bucket

    Medium-term needs (typically 4-7 years)

    This Bucket stabilises a pot of money in readiness for providing income at a future date by topping up the Immediate Income Bucket or securing more foundation income.

  • The Growth Bucket

    Long-term needs (typically 8+ years)

    This Bucket allows long-term assets that aim to compound undisturbed, ready to replenish the Immediate Income and Stability Buckets later.

 

 

Money invested is at risk. Tax may change in the future.

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