Middle-aged investors of typical ages 45 to 55 usually become more concerned about the ability of their investment to minimise the risk of losing money while still achieving inflation beating returns, as most in this stage will have some money saved. For this stage of accumulating wealth we have the Balanced Portfolio which is a risk profiled Reg. 28 compliant portfolio.
Mature investors of typical ages 55 to 65 normally have built up substantial retirement savings as they get closer to the Wealth Utilization stage of their lives. Their objective gradually changes towards wealth preservation while they still have to manage their worst threat and that is not having sufficient money to retire with. For these investors we have the Balanced Portfolio and the Prudent Portfolio both of which are risk profiled Reg. 28 compliant portfolios.
The post-retirement investors have entered the golden phase of wealth utilization, where a personalised and complex balance between assets that produce capital growth and assets that produce income is the most important factor to manage. This process is dictated by individual cash flow requirements and the key to optimising the lifespan of an annuity, is the amount of income required. During the wealth utilisation stage a combination of the above investments is optimally structured on an individual basis. Exposure to risky assets is minimised in this portfolio making it less prone to poor investment decisions and allowing the investor to enjoy a successful retirement.