Part 3: Use a fixed-term annuity and convert it to a whole-of-life annuity later

by AdminKrzysztof | May 10, 2024 | Individualised

In this final part of our trilogy on the use and applications of fixed-term annuities in retirement income strategies. We look at three strategies that use fixed-term annuities and show how this affects the income paid to the client and the flexibility/legacy they...

Part 2: Using fixed-term annuities in retirement income portfolios

by AdminKrzysztof | May 3, 2024 | Individualised

Once we recognise the practicality of a fixed-term annuity as a superior form of fixed-income exposure for retirement income portfolios compared to a bond fund, it becomes clear and straightforward how to integrate them into a client’s portfolio in place of...

Part 1: Using fixed-term annuities in retirement income portfolios

by AdminKrzysztof | Apr 5, 2024 | Individualised

Fixed term annuities should be a core part of retirement income portfolios replacing bonds. They offer a liability matching cash-flow, mitigate sequencing risk and eliminate almost all of the risks when converting to an annuity. Bonds play a crucial role in...

What is an actively managed certificate?

by AdminKrzysztof | Mar 18, 2024 | Model Portfolio Selection

What is an actively managed certificate? Investors are constantly on the lookout for innovative financial instruments that can offer tailored exposure to various asset classes while mitigating risks. Actively Managed Certificates (AMCs) and Structured Products are two...