The last few years have taught us to expect the unexpected.
Changing interest rates, high inflation, and continued market volatility remind us that while we can’t predict the future, it’s important to plan for times of uncertainty. For your clients in or near retirement, this means building portfolios resilient enough to deliver income under unexpected conditions.
A Challenger lifetime annuity provides guaranteed regular income for life, making it a suitable option in retirement planning.
A resilient portfolio is different in retirement
A diversified portfolio can provide better long-term outcomes because it is more resilient in times of market turmoil. Typical portfolios will include an allocation to bonds, or other defensive assets which should help protect the capital of the portfolio in a market downturn. The goals of a retirement portfolio are different.
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On-demand webinar: Building resilient portfolios
Discover what’s ahead for Australian financial markets and how you can build resilience into your client portfolios with Challenger Economist, Dr Jonathan Kearns, and Challenger Business Development Manager, James Spiridon.
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FY24: Resilience in a downturn
Helping clients understand the potential risks- and opportunities - if an economic downturn will likely continue to be an important part of your conversations this year. This paper offers insights and talking points from three experts on the short-term outlook for the Australian economy.
Start building resilient portfolios today
Contact your Challenger BDM or create a quote with our handy eQuote tool in the Challenger Adviser Online portal.
Why include a lifetime annuity in a modern retirement portfolio
A Challenger lifetime annuity offers:
- Attractive level of cash flow
- No ongoing product fees
- Regular income for life
- Age Pension boost (if applicable)
- Adviser fee payment options
And when used in conjunction with an account-based pension**, it can:
Increase income
Preserve more assets
Increase confidence levels in retirement
Discover how Challenger’s lifetime annuities can help redefine your clients’ retirement income
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