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On this episode of The nestegg Podcast, host Maja Garaca Djurdjevic and three experts discuss the latest in equities, property investing and super.

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Steve Waters, director of Right Property Group, chats about the subdued April price growth and how prices are predicted to move for the remainder of the year.

RMIT’s senior lecturer of finance, Dr Angel Zhong, talks about the Biden climate summit and impacts on the Australian sharemarket, as well as the possibility of a carbon border tax and what it means.

And lastly, tax and super guru Timothy Munro gives his thoughts on the overhaul of the superannuation performance test and the upcoming budget.

Have a question for our experts? Get in touch at [email protected] and you might get featured on the next episode.

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Has the property market reached its peak; Biden’s climate summit and our share...

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There is $17.5 billion in lost and unclaimed super across ...

Retirement

Retirees urged to re-think traditional assets

By Staff Reporter

September 17 2015
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Retirement

Retirees urged to re-think traditional assets

By Staff Reporter
September 17 2015

SMSF trustees should consider assets beyond term deposits, annuities or balanced funds with equities, if they want to reduce their longevity risk, according to one global fund manager.

retirees urged re think traditional assets

Retirees urged to re-think traditional assets

By Staff Reporter

September 17 2015
Share

SMSF trustees should consider assets beyond term deposits, annuities or balanced funds with equities, if they want to reduce their longevity risk, according to one global fund manager.

Too many older Australians are running out of money in retirement by sticking to limited asset classed in post-retirement such as term deposits, annuities or balanced funds, according to Reece Birtles, the chief investment officer of Legg Mason-owned asset manager, Martin Currie Australia.

Mr Birtles said retirees need to start looking beyond any single-asset class to meet their retirement income needs, arguing a multi-asset approach to retiree income delivers a more consistent and predictable outcome.

“Retirees rarely take into account the income risk inherent in investing in a single-asset class,” said Mr Birtles.

“For example, many retirees considered term deposits and annuities a reliable option for protecting their capital, but these products have suffered significant reduction in income over the past seven years that dwarf any potential loss from investing in equities.”

He said retirees should instead balance their asset allocation between equity income, real assets and fixed income to ensure adequate capital preservation, income generation and inflation protection.

Mr Birtles said fixed income provides low capital volatility, real assets such as AREITS and infrastructure offer income protection, while equities deliver significant upside potential for income growth.

“By using dynamic asset allocation across these asset classes, retirees can receive income that preserves their capital by providing long-term growth in income and high yields relative to more traditional retiree asset classes such as term deposit,” he said.

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