Retirement investment strategies – A hivemind approach

  • Presentations, Technical Resource
  • Income streams

National Conference 2023

As members enter retirement it is important to ensure the SMSF investment strategy considers the impact of paying out benefits to members and the risks involved in fund investments. Pension planning and maximising ECPI becomes an important strategic consideration as the investments of the fund are re-structured towards achieving the retirement objectives, which may include selling assets of the fund and incurring material capital gains or losses.
 
As seen by the introduction of the Retirement Income Covenant for APRA regulated funds, the creation of a retirement investment strategy involves complex and competing objectives compared to a strategy for funds solely in accumulation.
 
This session will explore:
  • How you can assist SMSF trustees create or assess an investment strategy which will balance cashflow objectives with managing risks such as sequencing and liquidity risk per the requirements of SMSF investments strategies under the SIS Regulations
  • How to communicate the compliance of the SMSF investment strategy in retirement for your fund auditor.

The contents of this resource are taken to be correct at the time of publication.

Disclaimer: Technical Papers contain general advice only and are prepared without taking into account particular objectives, financial circumstances and needs. The information provided is not a substitute for legal, tax and financial product advice. Before making any decision based on this information, you should assess its relevance to the individual circumstances of your client. While the SMSF Association believes that the information provided is accurate, no warranty is given as to its accuracy and persons who rely on this information do so at their own risk. The information provided in this bulletin is not considered financial product advice for the purposes of the Corporations Act 2001. © SMSF Association