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:

  • IML discusses the misperception that equity income investing is as easy as ranking the market's highest yielding stocks.
  • 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.
  • 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

A New World Order - The language of alternatives

Date September 14th 2016
Author Invesco Consulting Team
Category Blog

“Words matter. It’s not what you say, it’s what they hear.”
– Invesco Consulting team

Advisers are increasingly looking to alternatives for portfolio diversification and cash-plus returns for their retiree clients. But extolling the virtues of these strategies can be difficult. When explaining complex alternative investments to clients, financial advisers must choose their words carefully. To help in this task, Invesco Consulting teamed with word specialists Maslansky + Partners in a year-long study to help advisers find language that cuts through and resonates when talking to their clients about alternative investments.


IAG buy-back: Marginal at best

Date August 31st 2016
Author Dr Don Hamson, Plato Investment Management
Category Blog

On 19 August IAG announced a lacklustre result, cutting its final dividend by 3c compared to last year, whilst announcing a small $300m off market buy-back. Whilst we generally like off-market buy-backs as a mechanism to distribute franking credits to investors who most value them, this buy-back is relatively underwhelming based on our analysis.


Low-Volatility Strategies and Retirement: a Check List for Investors

Date August 30th 2016
Author Roy Maslen, Chief Investment Officer - Australian Equities, AB
Category Blog

Low-volatility investment strategies are gaining ground in Australia as a way of helping investors, particularly those in or close to retirement, to reduce the effects of market turbulence on their portfolios.

While this is a positive development, it’s important that investors and super fund trustees look closely at how such strategies are structured and managed.