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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</div> </div> <div id="videoseries_side_ajax" class="w-100 ajaxv2-element" style="background-color:#f3f3f3" data-modtype="articles_category" data-modname="ifa Educational Hub Side module" data-rcal="w-100" data-rcor="" data-onready="1" > <div class="module-loader-container " style='height: 420px' > <div class='module-loader'></div> </div> </div> <div id="latest-poll-container" class="b-poll card"> <h1 class="b-poll_header">Polls</h1> <h4 class="b-poll__title">Do you have clients that would be impacted by the proposed Division 296 $3 million super tax?</h4> <div class="b-poll__detail b-poll__results">  <h4 class="poll-item-status">Poll has ended.</h4> <div class="b-poll__results__options"> <div class="b-poll__results__options__text">Yes, lots of clients</div> </div> <div class="b-poll__results__pic"> <div class="b-poll__results__pic__bar" style="width: 17.4%; 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%; background-color: #000000"> <span>25.2%</span> </div> </div>  </div> <div class="b-poll poll-link"><a href="/polls/client-div-296-impact" class="cta-view-all">See details <img src="https://www.ifa.com.au/media/templates/site/momentum/images/view-all-thick_w17bmn.svg" alt="view all thick" class="view-all-thick" width="10" height="10"></a></div> </div> <script> jQuery(document).ready(function() { jQuery('#voteBtn').on('click',function(){ //get checked radio button let checkedOpt = jQuery('input[name="poll-option"]:checked').val(); let request = { 'option' : 'com_ajax', 'plugin' : 'poll', 'pollId' : '4', 'optId' : checkedOpt, 'format' : 'json' }; jQuery.ajax({method: "POST",url: "/index.php",data: request}).done(function(data){ let result = data.data[0]; result = JSON.parse(result); if(result.state) { //replace poll with result let resultData = result.data; let pollclass = 'b-poll__results'; let poll = jQuery('.'+pollclass); poll.empty(); let count = 0; let resultString = ''; let votesTotal = 0; $.each(resultData.votes,function(){votesTotal+=parseFloat(this) || 0;}); // resultString += '<p class="b-poll_desc"></p>' for(let i = 0; i < resultData.title.length; i++) { let percent = ((resultData.votes[i]/votesTotal)*100).toFixed(2); resultString += '<div class="'+pollclass+'__options">'; resultString += '<div class="'+pollclass+'__options__text">'+resultData.title[count]+'</div>'; resultString += '</div>'; // resultString += '<div class="'+pollclass+'__results__percentage" role="progressbar" style="width: '+percent+'%; background-color:'+resultData.color[count]+'" aria-valuenow="'+resultData.votes[count]+'" aria-valuemin="0" aria-valuemax="100">'+percent+'%</div>'; resultString += '<div class="'+pollclass+'__pic">'; resultString += '<div class="'+pollclass+'__pic__bar" style="width: '+percent+'%; background-color:'+resultData.color[count]+'" aria-valuenow="'+resultData.votes[count]+'" aria-valuemin="0" aria-valuemax="100"><span>'+percent+'%</span></div>'; resultString += '</div>'; // resultString += '<label>'+resultData.title[count]+'</label>'; // resultString += '<div class="progress"><div class="progress-bar" role="progressbar" style="width: '+percent+'%; background-color:'+resultData.color[count]+'" aria-valuenow="'+resultData.votes[count]+'" aria-valuemin="0" aria-valuemax="100">'+percent+'%</div></div>'; count++; } // resultString += '<div class="poll-total-votes"><b>Total Votes</b>: '+votesTotal+'</div>'; poll.html(resultString); } else { alert(result.error); } }); }); jQuery('.b-poll .poll-option').click(function() { var radioInput = jQuery(this).find('.radio-wrapper input'); radioInput.prop('checked', true); }); }); </script><div id="eventsside_ajax" class="w-100 ajaxv2-element" style="background-color:#f3f3f3" data-modtype="mod_custom" data-modname="CUSTOM-EVENTS-SIDEBAR-ALL-IFA" data-rcal="w-100" data-rcor="" data-onready="1" > <div class="module-loader-container " style='height: 471px' > <div class='module-loader'></div> </div> </div> </aside> </div> 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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>