Near Retirement

Our case studies are designed to illustrate how a portfolio could be constructed according to a level of risk and how this may change as goals are approached.  The different case studies are based on a typical wealth cycle for pension planning using different stages of life. 

The case study focusses on an investor's ability to take risk  and does not make any assumptions about the level of risk that someone is willing to take, as individual's willingness to take risk is unique and subjective.

In addition, it is important to remember that your individual circumstances may affect your risk profile and your financial adviser will help you to assess this. The purpose of this section of the website is to provide an example illustration based on the following assumptions.

Wealth & Earnings: Peak assets, wealth and earnings

Investment Time Frame: Less than 5 years

Income Requirements: None, accumulating

Typical goals: Financial security and planning for retirement.

In this illustration we have assumed that someone who is nearing retirement is likely to have their peak level of accumulated wealth and is considering options for retirement.

At this stage it is more likely that someone in this position may wish to preserve the value of their assets in order to protect their future income if entering drawdown in retirement, or obtain the best annuity at the point of retirement. The shorter time frame limits the amount of risk that can be taken.

Past performance is no guarantee of future performance. The value of investments and the income derived from them can fall as well as rise and investors may get back less than they invested.