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:

  • AB discusses the need to focus on income investing solutions in retirement.
  • Invesco answers retirees' most common questions about alternatives.
  • IML analyses whether much has in fact change since Donald Trump's election as US President.
  • 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.


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

Mid and small caps can benefit retiree portfolios

Date June 8th 2017
Author Investors Mutual Ltd
Category Blog

Given the Australian sharemarket is heavily skewed towards the volatile Resource sector and high yielding yet mature Banking sector, retirees may consider a small allocation to the quality mid and small cap market to achieve proper diversification to good quality Australian listed companies.


A rock and a hard place: income investing for Australian retirees

Date June 5th 2017
Author John Taylor, Portfolio Manager—Global Multi-Sector, AllianceBernstein
Category Blog

Retirees require one thing above all from their investment portfolios: a steady stream of income to cover their living costs and occasional unforeseen expenses. Given the importance of this, it’s a challenge for the retirement industry that investors don’t take more interest in income investing.


Why the industry's “comfortable retirement” measures are wrong

Date May 18th 2017
Author Jeff Gebler & Wade Matterson, Milliman
Category Blog

The superannuation industry has placed an extraordinary emphasis on helping members achieve a “comfortable” retirement given it has so little information about what it actually means.