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 Portfolio Manager Michael O'Neill discusses whether Australian banks warrant a high weighting in investors' portfolios going forward.
  • Invesco explores the issues and challenges associated with longevity risk and sequencing risk for retirees.
  • Challenger discusses the challenges and opportunities presented to advisers by the MyRetirement framework.
  • SSgA analyses the impact currency movement can have on international equity investments and how potential losses can be mitigated.
  • Plato Investment Management discusses the fundamental importance of yield to total return and how to develop a truly global income offering for clients.
  • AB discusses the need to focus on income investing solutions in retirement.
  • 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.

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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.

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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.

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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.

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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.

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Recent Activity

Currency Matters: To hedge or not to hedge?

Date July 24th 2017
Author State Street Global Advisors
Category Blog

Fluctuations in the Australian dollar can cause changes to the value of your international equity investments, sometimes significant enough to put into question investors’ ability to achieve their goals, such as achieving a more stable return profile during retirement.

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Housing affordability: Not just a problem for the young

Date July 10th 2017
Author Jeff Gebler & Wade Matterson, Milliman
Category Blog

Sydney-based retirees who rent privately may have to save more than four times the amount of superannuation if they expect to live the same lifestyle as homeowners who own their homes outright, according to the latest Milliman Retirement Expectations and Spending Profiles report.

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Model portfolio semi annual review completed - June 2017

Date June 30th 2017
Author Lonsec
Category News

The semi annual review of the Lonsec Retirement Lifestyle Portfolios is now available for subscribers. No fund changes have been made at this review.

The report can be downloaded here or under ‘Retirement Solutions’ the Resources Library.

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