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You may have heard about Lifetime Retirement Income (Lifetime), they have been a partner of HealthCarePlus for over 6 months now. They are such a good option for our Senior Members as they have developed a series of solutions that help retirees secure regular retirement income in addition to their NZ Super that will last for the rest of their life. If you haven't heard about them we suggest you take a look.
One of the things we like about Lifetime is they recognise that your financial needs in retirement are as unique as your journey to get there. And in addition to the growing positive feedback they are receiving from their customers, they have also been listening to what their customers who want more than just a steady income—they seek a dynamic, adaptable retirement plan that grows with them.
And so they have just launched their new solution Lifetime Invest.
So today, we take a quick summary of Lifetime Invest and how it fits alongside the other solutions they offer retirees. Please have a read and tell us what you think in the comments section.
Lifetime Invest - Your financial future, your way
In addition to their highly regarded Lifetime Retirement Income Fund, they now offer a suite of targeted options to suit every stage and goal in retirement:
- Lifetime Cash for liquidity,
- Lifetime Conservative for added security,
- Lifetime Balanced for growth with stability,
- Lifetime Growth for those with a long-term horizon.
Learn about the new funds
Lifetime Cash Fund
A single sector fund comprising cash and cash equivalents. Useful for investors who may need there money in the short-term.
The lowdown:
- Target asset allocation: 100% income
- Risk indicator: 2 out of 7
- Suggested investment horizon: 1 year or more
- Estimated Annual Fund Charge: 0.65%
Lifetime Conservative Fund
Designed for cautious investors, this fund focuses on capital preservation with more exposure to lower volatility income assets and modest exposure to growth.
The lowdown:
- Target asset allocation: 20% growth assets / 80% income assets
- Risk indicator: 4 out of 7
- Suggested investment horizon: 3 years or more
- Estimated Annual Fund Charge: 1%
Lifetime Balanced Fund
Ideal for investors seeking a blend of growth and income exposure that balances risk with steady performance.
The lowdown:
- Target asset allocation: 60% growth assets / 40% income assets
- Risk indicator: 4 out of 7
- Suggested investment horizon: 5 years or more
- Estimated Annual Fund Charge: 1%
Lifetime Growth Fund
For those who still have time to focus on growing their retirement savings, this fund offers a higher growth potential through emphasis on equity exposure and a dynamic asset allocation approach.
The lowdown:
- Target asset allocation: 80% growth assets / 20% income assets
- Risk indicator: 5 out of 7
- Suggested investment horizon: 7 years or more
- Estimated Annual Fund Charge: 1%
Support for your long term retirement journey
So how does it fit with the other solutions? Well it complements the existing two "income solutions" that they have which focus on helping you secure an income for the rest of your life. These new funds allow you to be more flexible about where your money sits especially if you are planning for a twenty to thirty-year retirement. Dividing your retirement savings into "buckets" or "time blocks" helps create a roadmap, guiding you through each stage with clarity and flexibility to adapt as life changes.
So these new plans provide an option to start building your customised "Buckets of Money" approach.
If you want to learn more about the Buckets of Money, request a guide from Lifetime Retirement Income today
For more information about how they invest - click to view
Want to find out more about Lifetime Retirement Income or ask them how they could look after your money in retirement? Then click on the button below to contact the Lifetime Retirement Income team .
Lifetime Income
Turn your retirement savings into a regular income
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