Investing in retirement

How you invest and draw income in retirement can have a profound effect on your financial security and ability to fund your lifestyle. It can also determine how much you leave in your estate. That’s why it’s important to have an appropriate investment strategy that is regularly reviewed – even during retirement.

How you invest your funds can be influenced by your age, your health, your dependants, and your attitude to risk, as well as the total value of your assets and how they are structured.

If you only have enough assets to fund your income you may want to invest primarily in conservative, capital-stable assets. However, once you retire you might have to fund yourself for decades so for many people it makes sense to have some exposure to income-producing growth assets such as blue chip Australian shares.

Whatever your overall investment strategy, diversification of underlying investments in any asset class is essential to reduce your overall risk.

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Perpetual or Perpetual Group means Perpetual Limited, ABN 86 000 431 827, and its subsidiaries. Perpetual Private advice and services are provided by Perpetual Trustee Company Limited (PTCo), ABN 42 000 001 007, AFSL 236643. This information has been prepared by Perpetual and contains information contributed by third parties. It contains general information and is not intended to provide you with advice or take into account your objectives, financial situation or needs. You should consider whether the information is suitable for your circumstances and we recommend that you seek professional financial, tax and/or legal advice. The information is believed to be accurate at the time of compilation and is provided by Perpetual in good faith. However, the statements including assumptions and conclusions are not intended to be a comprehensive statement of relevant practice or law that is often complex and can change. To the extent permitted by law, no liability is accepted for any loss or damage as a result of any reliance on this information.

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