Charting your new course: A guide to retirement investing

Perpetual Private’s retirement eBook “Explore a new world of income” provides an in-depth insight into the economic forces – and investment decisions – that will shape the fortunes of successful Australians over the next 10 years.

Written for individuals with more than one million in investible assets, this practical retirement guide contains eight thought-provoking chapters covering areas such as:

  • How to generate income in a low-rate world
  • The benefits of alternative investment options
  • The importance of tax effective investments
  • How to invest responsibly without compromising returns.

This guide shares the experience and insights of Perpetual Private’s team of investment experts and private client advisers – experts who have advised our clients through the biggest market events of the past three decades, including the GFC, the long post-GFC sharemarket rally and COVID-19.

It’s the essential guide for those seeking to grow their wealth in retirement. Complete the form to get your retirement guide now.


Risk is inherent in investing. But like most things in life, it’s all about balance.

We look at the risks built into the different asset classes and how you can achieve the right balance – for you.

There’s more than one way to generate retirement income. We look at your options – including a 10-year case study that shows how a different approach to share investing could grow your portfolio – and your income – far more effectively than so-called high-income shares.
While everyone pays tax, many wealthy investors pay more than they need to. We discuss tax-effective investments – and structures - that can help you keep more of your money.

We’re now in a world of ultra-low interest rates, making it virtually impossible to generate a return in real terms from holding cash.

We examine why some investors choose to move up the ‘risk spectrum’ and how to manage the extra risk involved.

Shares can provide both income and growth. However, with Australia representing around 2% of all listed shares, there’s a lot more to consider than the ‘two banks, a miner and a consumer staple’ that make up many Australians’ share portfolios.

We look at the benefits of a broader view of the sharemarket and its role in your portfolio.

Alternative investments – everything from infrastructure to currency, private equity, commodities and complex trading strategies - can generate both income and growth and add diversification to your portfolio. We look at why that matters. 
Responsible investing is one of the fastest growing areas of wealth management. We tell you what ESG means and bust the myth that responsible investing means giving up returns.
See how Perpetual Private works with clients to create portfolios and long-term investing strategies carefully calibrated to their individual goals and risk appetite.


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Meet the team

Throughout the ebook the following Perpetual Private experts have shared their insights:

Perpetual Private advice and services are provided by Perpetual Trustee Company Limited (PTCo) ABN 42 000 001 007, AFSL 236643. This information was prepared by PTCo and Perpetual Investment Management Limited (PIML) ABN 1800 866 535, AFSL 234426 and is used by PTCo. It contains general information only and is not intended to provide you with financial advice or take into account your objectives, financial situation or needs. You should consider, with a financial adviser, who can provide you with the relevant Financial Services Guide, whether the information is suitable for your circumstances. To the extent permitted by law, no liability is accepted for any loss or damage as a result of any reliance on this information. The information is believed to be accurate at the time of compilation and is provided in good faith. The PDS, issued by PIML should be considered before deciding whether to acquire or hold units in the fund. The PDS and Target Market Determination are available on our website at PTCo do not warrant the accuracy or completeness of any information contributed by a third party. Any views expressed in this article are opinions of the author at the time of writing and do not constitute a recommendation to act. This information, including any assumptions and conclusions is not intended to be a comprehensive statement of relevant practise or law that is often complex and can change. No company in the Perpetual Group (Perpetual Limited ABN 86 000 431 827 and its subsidiaries) guarantees the performance of any fund or the return of an investor’s capital. Past performance is not indicative of future performance.