Is your retirement strategy keeping pace with your retirement?
You may have a well-diversified investment portfolio. But a retirement strategy needs to do more than simply hold investments.
Your income needs, cash reserves, spending plans and capacity to ride through market falls can all change over time.
The question isn't simply whether you have a good portfolio. It's whether your retirement strategy is being actively reviewed and adjusted around you.
A good portfolio is only part of a good retirement strategy.
An investment portfolio can be diversified, professionally managed and appropriate when it is first established.
But retirement doesn't stand still.
Your income needs can change. Your spending can change. Markets change. Your need for cash can change. And the balance between the money you need now and the money you need later can change too.
The investment portfolio is important. The ongoing decisions around it are what turn it into a retirement strategy.
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7 Questions to Ask About Your Retirement Portfolio After 60
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General information only. The information on this page and in the 7 Questions guide is general in nature and does not take into account your personal objectives, financial situation or needs. Before acting on it, consider whether it is appropriate for your circumstances.
How confidently could you answer these seven questions?
01 | Is my retirement strategy actually built around me?
02 | Where is the money for my retirement income actually coming from?
03 | What happens to my income when investment markets fall?
04 | What is actually being reviewed and changed each year?
05 | What am I paying for — and what am I getting in return?
06 | Is my money set up for what I need now and what I may need later?
07 | When I need help, who do I actually speak to?
You don't necessarily need to change your investments or your adviser because one of these questions is difficult to answer. But the answers can tell you a great deal about how your retirement strategy is actually being managed.
Retirement advice should be about more than reporting what happened last year.
As retirement evolves, I believe the strategy around your investments needs to evolve with it.
For clients in an ongoing service arrangement, that means looking ahead each year — at your circumstances, income requirements, cash position, investment markets and the role each investment is performing.
Your strategy is built around you.
Your income, plans, spending needs and stage of retirement matter.
Reviews should look forward.
The purpose isn't simply to report last year's performance. It's to consider what may need attention for the years ahead.
Every investment should have a job.
I aim to keep portfolios diversified and easy to understand, so you know what you own and why you own it.
You deal directly with me.
When something changes, you can speak with someone who already knows your situation and understands your retirement strategy.
A personal approach to retirement advice
Chris D'Souza
Financial Adviser
I've worked in retirement planning since 2007, helping people make decisions about their money as they approach and move through retirement.
My approach starts with the person, not the portfolio.
That means understanding the income you need, the money you may need access to, the investment risk you're comfortable taking and how different parts of your portfolio are intended to support your retirement.
For clients I work with on an ongoing basis, the strategy is reviewed as circumstances and investment markets change.
Personalised at the outset. Actively reviewed as retirement evolves.
THE NEXT STEP
Would a second opinion be useful?
If the seven questions have raised something you'd like to understand better, you can arrange an initial Retirement Portfolio Second Opinion meeting.
We can discuss your current retirement arrangements, the income you're drawing, how your investments are structured and any areas you would like to understand more clearly.
The initial meeting is provided at no cost and without obligation.
Any fees for advice beyond the initial meeting would be explained and agreed with you before any work begins.
There is no requirement to change advisers, investments or anything else as a result of the initial conversation.
If you'd like to act on anything identified, any recommendations would be provided through the normal personal advice process and documented in a written Statement of Advice.
Chris will contact you personally to arrange a suitable time.
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