Upcoming webinar

The retirement income landscape in Australia is evolving rapidly, with a growing range of lifetime income products now available alongside traditional account-based pensions.

As advisers consider where lifetime income solutions might fit within retirement portfolios – particularly in light of the growing policy focus on lifetime income – it naturally prompts a reassessment of traditional portfolio construction frameworks that treat volatility as the primary measure of risk.

In retirement, the risk that matters most to many clients isn’t volatility in its own right, but its consequences: the risk that income or accessible assets deteriorate or run out due to sequence risk, longevity, or product choices.

This webinar explores how advisers may start to think differently about retirement portfolio construction, combining investment portfolios, innovative income streams and traditional annuities to align with different client objectives.

Drawing on global research and probability-weighted modelling approaches, the session will explore:

• how traditional efficient frontier thinking misses important retirement issues such as lifespan uncertainty and run-out probabilities
• the role that traditional and ‘innovative’ lifetime income products can play within investment portfolios to redefine what is ‘efficient’ for clients
• practical frameworks for comparing strategies across multiple client objectives over the full course of retirement.

Using real case studies, we will demonstrate how to assess retirement portfolio allocations across thousands of market and lifespan scenarios, to quantify outcomes such as:

• probability of running out of income
• expected total income for life
• access to capital at all stages of retirement
• potential estate outcomes.

Because lifetime income products vary significantly in structure, guarantees and flexibility, comparing a range of options can materially change the outcomes delivered to clients.

The goal is to introduce a clear framework and practical insights to help advisers navigate this evolving area of retirement advice.