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WHITEPAPERS

Is it time to rebalance your retirement portfolio?

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In this whitepaper you will discover:

  • The importance of rebalancing your retirement portfolio
  • Learn how timing can make a $2.2 million difference to a $1.25 million retirement portfolio
  • Why losses early in your investment journey can slash your retirement income
  • The impact of equity funds that capture more of the upside and less of the downside
SUBSCRIBE FOR FREE TO UNLOCK THIS WHITEPAPER

In this whitepaper you will discover:

  • The importance of rebalancing your retirement portfolio
  • Learn how timing can make a $2.2 million difference to a $1.25 million retirement portfolio
  • Why losses early in your investment journey can slash your retirement income
  • The impact of equity funds that capture more of the upside and less of the downside

Is it time to rebalance your retirement portfolio?

In the current environment of ultra-low interest rates, generating enough income for retirement can be challenging. Instead of being able to add to their nest egg, many retirees find themselves needing to withdraw capital to make up a shortfall between their lifestyle requirements and their income. Meanwhile, if you receive income from an annuity, those payments will also come from the capital in your investment portfolio. With less capital available it becomes harder to weather market volatility.

Retirement income is also particularly vulnerable to sequencing risk – the order in which returns are received. This means that poor outcomes early in your investment journey can be more damaging to your potential income than losses that occur later. It could be the difference between a retiree with an initial $1.25 million investment receiving $2.4 million in pension payments over 30 years instead of $4.6 million during the same period.

In our Is it time to rebalance your retirement portfolio? whitepaper, we look at ways to mitigate the risk of poor outcomes. This can include rebalancing investments with equity funds that capture relatively more of the upside of market fluctuations and less of the downside.

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Roger is the Founder and Chief Investment Officer of Montgomery Investment Management. Roger brings more than two decades of investment and financial market experience, knowledge and relationships to bear in his role as Chief Investment Officer. Prior to establishing Montgomery, Roger held positions at Ord Minnett Jardine Fleming, BT (Australia) Limited and Merrill Lynch.

This post was contributed by a representative of Montgomery Investment Management Pty Limited (AFSL No. 354564). The principal purpose of this post is to provide factual information and not provide financial product advice. Additionally, the information provided is not intended to provide any recommendation or opinion about any financial product. Any commentary and statements of opinion however may contain general advice only that is prepared without taking into account your personal objectives, financial circumstances or needs. Because of this, before acting on any of the information provided, you should always consider its appropriateness in light of your personal objectives, financial circumstances and needs and should consider seeking independent advice from a financial advisor if necessary before making any decisions. This post specifically excludes personal advice.