Product Spotlight: Building an effective retirement portfolio for today's clients

With Australia's interest rates at record lows as the economy faces the full impact of the COVID crisis, it's important for advisers to reassess how they construct portfolios for retiree clients.

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background-color: #000000"> <span>17.4%</span> </div> </div> <div class="b-poll__results__options"> <div class="b-poll__results__options__text">Yes, but just a few</div> </div> <div class="b-poll__results__pic"> <div class="b-poll__results__pic__bar" style="width: 44.3%; background-color: #000000"> <span>44.3%</span> </div> </div> <div class="b-poll__results__options"> <div class="b-poll__results__options__text">Not sure yet</div> </div> <div class="b-poll__results__pic"> <div class="b-poll__results__pic__bar" style="width: 3.4%; background-color: #000000"> <span>3.4%</span> </div> </div> <div class="b-poll__results__options"> <div class="b-poll__results__options__text">No, but some are close</div> </div> <div class="b-poll__results__pic"> <div class="b-poll__results__pic__bar" style="width: 9.8%; background-color: #000000"> <span>9.8%</span> </div> </div> <div class="b-poll__results__options"> <div class="b-poll__results__options__text">None</div> </div> <div class="b-poll__results__pic"> <div class="b-poll__results__pic__bar" style="width: 25.2%; 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#fff } .mob-footer-social .b-header-social2 i { color: #fff; font-size: 20px } @media only screen and (max-width:1000px) { .footsign, .mob-footer { display: block } .footer-cointaner { display: none } } /* new styles */ /* desktop */ .footer-cointaner { padding-bottom: 0; background-color: #000000; } .footer-cointaner .subfooter-container .row1 { padding: 20px 15px; display: flex; align-items: center; } .footer-cointaner .subfooter-container .row1 .subrow1-1 { float: unset; } .footer-cointaner .subfooter-container .row1 .subrow1-2 { float: unset; display: flex; justify-content: flex-end; align-items: center; } .footer-cointaner .subfooter-container .row1 .subrow1-2 a { font-size: 14px; color: #d1d1d1; } .footer-cointaner .subfooter-container .row1 .subrow1-2 ul { display: flex; align-items: center; } .footer-cointaner .subfooter-container .row1 .subrow1-2 ul li { margin-right: 25px; color: #d1d1d1; } .footer-cointaner .subfooter-container .row3-container { border-top: solid 1px #959595; border-bottom: solid 1px #959595; } .footer-cointaner .subfooter-container .row3 { display: flex; padding: 30px 15px 0 15px !important; } .footer-cointaner .subfooter-container .row3 h3 { margin: 0 0 10px; font-size: 14px; font-weight: bold; } .footer-cointaner .subfooter-container .row3 ul li a { color: #d1d1d1; font-size: 14px; } .footer-cointaner .subfooter-container .subrow3-1 { float: unset; } .footer-cointaner .subfooter-container .subrow3-2 { float: unset; } .footer-cointaner .subfooter-container .subrow3-3 { float: unset; } .footer-cointaner .subfooter-container .subrow3-4 { float: unset; } .footer-cointaner .subfooter-container .row3 .subrow3-4 p { font-size: 14px; color: #d1d1d1; } .footer-cointaner .subfooter-container .row3 .subrow3-4 .social { margin-bottom: 40px; } .footer-cointaner .subfooter-container .row3 .subrow3-4 .social li { margin-right: 25px; } .footer-cointaner .subfooter-container .row3 .subrow3-4 .social li:nth-child(n+3) { margin-right: 20px; } .footer-cointaner .subfooter-container .row3 .subrow3-4 .button button a { font-size: 14px; font-weight: bold; } .footer-cointaner .subfooter-container .row4 { max-width: 1200px; margin: 0 auto; zoom: 1; padding: 25px 15px; display: flex; align-items: center; } .footer-cointaner .subfooter-container .row4 p { font-size: 12px; margin: 0; color: #d1d1d1; } /* mobile */ .mob-footer { margin-bottom: unset; padding: unset; background-color: #000000; } .mob-footer-logo { float: unset; padding-top: 15px; padding-bottom: 15px; border-bottom: 1px solid #959595; } .mob-footer-social { float: unset; padding-top: 15px; padding-bottom: 15px; border: 0; } .mob-footer .toggle-cat { float: unset; padding: 15px; border-bottom: 1px solid #959595; } .mob-footer .toggle-cat h2 { font-size: 14px; margin-top: 0; font-weight: bold; } .mob-footer .toggle-cat .mobile-arrow { margin: 0; } .mob-footer .toggle-cat .footer-items li { padding-bottom: 10px; } .mob-footer .toggle-cat .footer-items li a { font-size: 14px; color: #d1d1d1; } .mob-footer .footsign { padding: 15px 15px 0; } .mob-footer .footsign h2 { margin: 0 0 15px; } .mob-footer .footsign .footerSignup { margin-bottom: unset; width: 295px; height: 38px; background-color: #de3336 !important; color: #fff; font-size: 14px; font-weight: bold; border-radius: unset; border: unset; padding: 0; } .mob-footer-social .b-header-social2 { margin-bottom: 0; } .mob-footer-social .b-header-social2 li { margin-right: 25px; } .mob-footer .mob-footer-copyright { background-color: #152A45; padding-bottom : 40px; margin-top : 10px; } .mob-footer .mob-footer-copyright p { text-align: center; font-size: 12px; color: #d1d1d1; margin: 0; } .footer-cointaner form#mc-embedded-subscribe-form .w-all-60p { width: 60%; } .footer-cointaner form#mc-embedded-subscribe-form .w-all-40p { width: 40%; } .footer-cointaner form#mc-embedded-subscribe-form .fw-bold { font-weight: bold !important; } .footer-cointaner form#mc-embedded-subscribe-form .f-all-left { float: left; } .footer-cointaner form#mc-embedded-subscribe-form .resetIpt { display: block; } .footer-cointaner form#mc-embedded-subscribe-form .fs-all-14px { font-size: 14px; } .footer-cointaner form#mc-embedded-subscribe-form .resetBtn, .footer-cointaner form#mc-embedded-subscribe-form .resetIpt, .footer-cointaner form#mc-embedded-subscribe-form .resetLink { line-height: 100%; margin: 0; padding: 0; font-weight: 400; } .footer-cointaner form#mc-embedded-subscribe-form .resetBtn, .footer-cointaner form#mc-embedded-subscribe-form .resetIpt { border: 0; float: none; background: 0 0; cursor: pointer; outline: 0; } .footer-cointaner form#mc-embedded-subscribe-form .p-all-015px { padding: 0 15px; } .footer-cointaner form#mc-embedded-subscribe-form .lh-all-50px { line-height: 50px; } .footer-cointaner form#mc-embedded-subscribe-form .w-all-100p { width: 100%; } .footer-cointaner form#mc-embedded-subscribe-form .bc-all-FFF { background-color: #FFF; } .footer-cointaner form#mc-embedded-subscribe-form .email-button { background-color: #E34A4C; } .footer-cointaner form#mc-embedded-subscribe-form .cl-all-FFF { color: #FFF; } .subfooter-container div:nth-child(2) .row1 div { text-align: center; } @media (max-width:767px) { .mob-footer .row1 img{ max-width:206px; } } </style> <script type="text/javascript"> jQuery(document).ready(function() { // Dropdown toggle fuction jQuery('.toggle-cat').click(function() { jQuery(this).find('ul').slideToggle("fast"); jQuery(this).find('.mobile-arrow i').toggleClass("fa-chevron-up"); }); }); </script> </div>   <script> function ValidateEmail(inputText) { var mailformat = /^\w+([\.-]?\w+)*@\w+([\.-]?\w+)*(\.\w{2,3})+$/; if(inputText.match(mailformat)) { return true; } else { return false; } } async function sha256(message) { // encode as UTF-8 const msgBuffer = new TextEncoder('utf-8').encode(message); // hash the message const hashBuffer = await crypto.subtle.digest('SHA-256', msgBuffer); // convert ArrayBuffer to Array const hashArray = Array.from(new Uint8Array(hashBuffer)); // convert bytes to hex string const hashHex = hashArray.map(b => ('00' + b.toString(16)).slice(-2)).join(''); return hashHex; } jQuery('#mc-embedded-subscribe-form').submit(function(){ var email = jQuery(this).find('input[type=email]')[0].value; if(ValidateEmail(email)) { // sha256(email).then(function(hash){document.cookie = "mcEmail="+hash;}); sha256(email).then(function(hash){document.cookie = "mcEmail="+hash; jQuery("#mce-MMERGEEM").val(hash); jQuery('#mc-embedded-subscribe-form').unbind(); jQuery('#mc-embedded-subscribe-form').submit(); }); } return true; }); jQuery('.fabrikForm').click(function() { var formID = this.id; formID = formID.replace ( /[^\d.]/g, '' ); jQuery(this).find('input').each(function(){ var element = jQuery(this); var label = jQuery("label[for='"+element.attr('id')+"']").text(); // console.log(label); var placeholder = element.attr('placeholder'); if(placeholder != undefined){ if ((placeholder.indexOf('Email') > -1) || (placeholder.indexOf('email') > -1) || (label.indexOf('email') > -1) || (label.indexOf('Email') > -1) ) { var email = element.val(); if(ValidateEmail(email)){ sha256(email).then(function(hash){document.cookie = "fbEmail="+hash;}); sha256(email).then(function(hash){document.cookie = "utm_emailID="+hash+";path=/";}); // console.log(email); } } } }); }); </script>  <style> /* The container */ .fabrikForm .container { display: block; position: relative; padding-left: 35px; margin-bottom: 12px; cursor: pointer; font-size: 16px; -webkit-user-select: none; -moz-user-select: none; -ms-user-select: none; user-select: none; text-align: left; } /* Hide the browser's default checkbox */ .fabrikForm .container input { position: absolute; opacity: 0; cursor: pointer; height: 0; width: 0; } /* Create a custom checkbox */ .fabrikForm .checkmark { position: absolute; top: 0; left: 0; height: 25px; width: 25px; background-color: #eee; } /* On mouse-over, add a grey background color */ .fabrikForm .container:hover input ~ .checkmark { background-color: #ccc; } /* When the checkbox is checked, add a blue background */ .fabrikForm .container input:checked ~ .checkmark { background-color: #2196F3; } /* Create the checkmark/indicator (hidden when not checked) */ .fabrikForm .checkmark:after { content: ""; position: absolute; display: none; } /* Show the checkmark when checked */ .fabrikForm .container input:checked ~ .checkmark:after { display: block; } /* Style the checkmark/indicator */ .fabrikForm .container .checkmark:after { left: 9px; top: 5px; width: 7px; height: 13px; border: solid white; border-width: 0 3px 3px 0; -webkit-transform: rotate(45deg); -ms-transform: rotate(45deg); transform: rotate(45deg); } </style> <script type="text/javascript"> jQuery(document).ready(()=>{ jQuery("form.fabrikForm label.checkbox").addClass("container"); jQuery("form.fabrikForm label.checkbox span").addClass("checkmark"); jQuery("form.fabrikForm label.checkbox").prepend(jQuery("form.fabrikForm label.checkbox span").text()); jQuery("form.fabrikForm label.checkbox span").text(""); }); jQuery(document).ready(()=>{ var observerAjx=function(id, data){ let observer = new IntersectionObserver(function(entries) { if (entries[0].intersectionRatio > 0) { let request = { 'option': 'com_ajax', 'plugin': 'ajaxmodule', 'module_name': `${data.modname}`, 'module_type': `${data.modtype}`, 'format': 'json' }; jQuery.ajax({ type: "GET", url: "/?" + jQuery.param(request), success: function(response) { jQuery('#'+id).html(response).removeClass(data.rcal) .removeAttr('style') .find('div:first').removeClass(data.rcor);; } }); observer.unobserve(entries[0].target); } }, { threshold: [0] }); observer.observe( document.getElementById(id) ); } jQuery('.ajaxv2-element').each(function() { let data = jQuery(this).data(); observerAjx(jQuery(this).attr('id') ,data); }); }); </script> <script> function zonesIsMobile() { if(/Android|webOS|iPhone|iPad|iPod|BlackBerry|IEMobile|Opera Mini/i.test(navigator.userAgent)) { return true } return false; } if (zonesIsMobile()) { const gutters = document.getElementById("b-gutterzone-zoneunit"); gutters.remove(); const popup = document.getElementById("mmk-popup-screen"); popup.remove(); // const leaderboard = document.getElementById("b-topLeaderboard-zoneunit"); // leaderboard.remove(); } else { const interscroller = document.getElementById("interscroller-zoneunit"); if (interscroller != null) { interscroller.remove(); } const tabletSkinBlock = document.getElementById("tabletSkinBlock-zoneunit"); if (tabletSkinBlock != null) { tabletSkinBlock.remove(); } } if (zonesIsMobile()){ jQuery('.mob-lazy').attr('loading', 'lazy'); } </script> </body> </html>