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A new approach to living annuities

One of the biggest risks pensioners face is running out of money.  A lack of retirement savings and depressed investment markets have left many pensioners and financial advisors anxious about the future. 

Q: How should pensioners invest their capital and what level of income can they afford to draw? What exposure to offshore equities should be considered and what is the significance of volatility on ensuring a comfortable retirement?

Investec Asset Management's in-house research introduced some new ways to approach this age-old problem.

‘Watch Jaco van Tonder outline our findings and present a new approach to living annuities.’

How should investors approach living annuities?

In the following series of articles we unpack the living annuity conundrum, looking at the unique investment case pensioners face and how, through our research, we believe these needs can be addressed.

Why volatility matters for living annuity investors

The value of active management and the impact of volatility on income.

Read more

Why a flexible income strategy

Choosing the right level of income annually represents a unique opportunity for investors to manage their risk of ruin.

Read more

The importance of growth assets

Finding the right balance between volatility and growth is crucial. Find out how with us.

Read more

An active solution

The combination of strong long-term real returns together with lower portfolio volatility can make a significant difference to income-producing portfolios.

Coming soon

Typical situation facing advisors and pensioners today

Living annuity moneypot

Many investors simply haven't saved enough to begin comfortably drawing an income of less than 5%.

Living annuity piggy bank

Some pensioners are drawing an unsustainable level of income and risk running out of money.

Living annuity birthday cake

Pensioners face a unique investment challenge, balancing long-term income and growth needs.

Ask us a question

Got a question on the research? We’d love to hear from you. Submit your question below and one of our client managers will be in touch.

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