Funds Focus

Having managed a team of planners for a number of years, one of the common mistakes I have seen with both advisers and retirees is the assumption that a 12%pa average return in equities is better than a fixed return of 7%pa from cash.

For the most part, that’s not a bad assumption to make as we know that sharemarket returns are typically volatile but tend to outperform cash over the longer term.

As financial planners we are taught to expect that clients in retirement should take less risk

Strategies for income

Often considered “boring”, overlooked for their lack of zip and flexibility, a guaranteed income for life is not to be sniffed at
Annuities are often overlooked by advisers in structuring client portfolios. The cynic in me says “of course, they don’t pay enough for advisers to consider them”, but I think the reality is that many investors and advisers alike have historically shunned them because of their perceived “low returns”. Who could blame them, with the

There are some that believe that investors can make money if the market is rising and money if the market is falling, but not in a volatile sideways market. We beg to differ…

Product providers are always developing new products for the market conditions we seem to be facing and Alpha Structured Investments’ Results Series and the UBS Perles & Goals Series are prime examples of investments suited to the volatile and sideways moving markets we have been experiencing this last year.