Home' SA 50s Lifestyle : SA 50s Spring 11 Contents 13
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RetireInvest’s Ian Hackett.
RetireInvest’s Lisa Palmer.
Are you retiring soon?
How to retire successfully
We wrote the book on it
When you’re retirement specialists, you have enough
information and helpful hints to fill a small book. So that’s
exactly what we’ve done.
We’ve produced a book that contains the information you
need to get your retirement planning going.
If you would like your copy of ‘How to retire successfully’,
simply phone us today.
The information contained within this advertisement does not consider your personal circumstances
and is of a general nature only. You should not act on it without first obtaining professional financial
advice specific to your circumstances. RI Advice Group Pty Ltd ABN 23 001 774 125, AFSL 238429
Call RetireInvest Norwood on 8363 7888
or email firstname.lastname@example.org
Too many retirees don’t have enough
financial freedom to support the
lifestyle they want. That’s where
RetireInvest can help. They know
how to structure your finances to
ensure a reliable income and make
the most of tax and social security
Annuities are re-gaining in popularity
as a means of funding part of your
What are annuities?
An annuity is simply a financial
product that provides a known series
of payments in return for an upfront
The capital can be returned at the
end of the agreed term or gradually
during the term of the annuity.
Annuity investing can be a defensive
investment strategy, with the rate
of return generally independent of
share market movements or interest
Annuities can provide comfort of
knowing that you receive a pre-
agreed income stream for a specific
period of time.
Benefits of annuities
The beauty of annuities is that
investors lock in the rate of return
at the start of the investment. You
therefore have a high degree of
certainty of what to expect every
month or every year for the life of
Other benefits include:
Diversification – annuities can
supplement your existing fixed
interest and cash exposure.
Minimum income – annuities may
represent a component of a total
investment portfolio to achieve a
minimum regular income.
Flexibility – annuities can be
tailored to align with your specific
investment objective and required
investment term. You can also elect
to receive some or all of your initial
sum back at maturity.
Inflation protection – annuity
payments can be indexed to the
consumer price index to maintain
your purchasing power.
Low maintenance – annuities
are a low maintenance investment
strategy, whilst potentially reducing
rollover or reinvestment risk.
Tax effectiveness – if bought with
superannuation monies, and if the
minimum payment requirements are
met, income from annuities will be
tax free for investors over the age of
Annuities can provide investors with
features that are complimentary
to other forms of Retirement
Income Streams. However, as
with any form of investment, risks
and consequences need to be
considered, particularly in relation to
your own goals and objectives.
The notion of counterparty or
credit risk is also an important
consideration for annuity investing –
annuities may not be an appropriate
strategy for a total investment
If you want to know more about
annuities and how they might be
able to enhance your retirement
plans, please phone Ian or Lisa
from RetireInvest Norwood on
8363 7888 for an appointment.
This information contained in this
flyer does not consider your personal
circumstances and is of a general
nature only. You should not act on it
without first obtaining professional
financial advice specific to your
circumstances. RI Advice Group Pty Ltd,
ABN 23 001 774 125 AFSL 238429.
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