Lonsec Retire...investment intelligence for retirement

Lonsec Retire is a central point of access for objectives-based retirement portfolio construction innovation and thought leadership, giving financial advisers the tools and strategies to provide better retirement solutions for their clients.

We offer a comprehensive service to subscribers across three advice modules - Research, Solutions and Industry Panel.

Latest research

Industry Panel

The Industry Panel brings together a select range of thought leaders who specialise in retirement strategies and advice. Recent contributions from the Panel include:

  • Plato Investment Management discusses the dividend opportunities among global stocks that many Australian investors are ignoring.
  • SSgA argues that focusing blindly on recent dividends and ignoring other company fundamentals can be at the expense of shorter-term return and risk objectives.
  • BT Investment Management puts recent market swings into perspective and discusses some of the many benefits that staying invested for the longer term can bring.
  • Invesco discusses how multi-asset investing can help smooth the investment journey for retirees.
  • Macquarie Investment Management seeks to explain sequence of return risk and to show its impact is magnified by increasing the level of income drawn from a portfolio.
  • IML argues that increasing equity exposure for the retiree does not have to be a daunting move.
  • AB explores a potential solution to one of the Australian superannuation industry’s biggest challenges—helping plan members make the transition to retirement.
  • Colonial First State Investments applies lessons from traditional income asset classes to equity markets and discusses the implications of such strategies


Introducing GBA

Lonsec Retire is excited to announce the launch of its Goals Based Analysis (GBA) tool for financial advisers.

By considering your client’s future behavioural, economic and investment factors, GBA helps forecast likely outcomes, giving your client confidence in their current retirement strategy or allowing them to consider remodelling their strategy in case the future’s looking less bright than they anticipated.


Perspective: Mortality Credits: A Primer

Mortality credits are a potentially valuable source of return for longer-lived retirees. They rely on pooling between survivors and other investors, such as those who surrender their contract or those who die early.

This paper analyses the potential mortality credits available in a range of annuity products, and illustrates the importance of understanding annuity product features, such as liquidity conditions, as these have a material impact on investor returns.


The Age Pension Series

From an Australian perspective, the age pension is perhaps the most important consideration for retirees and is in many ways the perfect retirement income product. Surprisingly, it is largely neglected when detailed analysis of client outcomes are considered.

The Age Pension Series looks at the dynamics of the age pension within an Australian context and assesses the implications for retirement planning and associated strategies.

Read more about the Age Pension Series

Retirement Chart Pack

The Chart Pack can be used with clients to discuss common concepts relating to retiree financial planning.

Topics covered include sequencing risk, longevity risk, the tradeoff between longevity and certainty, objectives based portfolio construction and stages of the investment lifecycle.


Retirement Lifestyle Portfolios

The Retirement Lifestyle Portfolios are objectives based portfolios focusing on delivering a sustainable level of income in retirement, as well as generating capital growth.

Three portfolios have been constructed to provide advisers flexibility in terms of meeting retirees' income and capital objectives, which will vary depending on individual circumstances and lifestyle goals.


Recent Activity

Brexit - Legoland come to life

Date August 26th 2016
Author Wade Matterson
Category Blog

For the last few weeks, I was fortunate enough to spend time with the family on holidays. In amongst some iconic European cities and deep history, we also had the pleasures spending a week in London. This just so happened to be the same week during which the Brexit referendum was conducted and the result received.


Has Tesla demonstrated a flaw in Robo-advice?

Date August 11th 2016
Author Wade Matterson
Category Blog

Elon Musk has long pioneered the use of automation to create huge change across a range of industries. The prospect of driverless cars, once a thing of science fiction, is now something that is looking more and more like it might be possible.

There are distinct parallels to Robo-advice and other parts of the FinTech landscape, which are seeking to use automation to deliver more efficient and improved outcomes to the public.


Symposium Wrap-up Part 2: Creating a Goals-Based Approach that Works

Date August 8th 2016
Author Lonsec
Category Blog

As the market continues to evolve, there is now a recognition that if you want to manage risk and return effectively, then you need to have the right levers and the right scope, combined with the same focus on security selection.

Our second symposium panel discussed whether the advice industry's tools and processes are fit for delivering the kind of advice and investment solutions required in today’s market.