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{"id":1146,"date":"2022-06-28T06:56:22","date_gmt":"2022-06-28T06:56:22","guid":{"rendered":"https:\/\/horvats.com.au\/backoffice\/?p=1146"},"modified":"2022-06-28T06:56:23","modified_gmt":"2022-06-28T06:56:23","slug":"your-own-retirement-solutions","status":"publish","type":"post","link":"https:\/\/pma-prod.horvats.com.au\/your-own-retirement-solutions\/","title":{"rendered":"Your Own Retirement Solutions"},"content":{"rendered":"\n<p>The economic downturn has hit home for many of Australian\u2019s retirees and soon to be retired with 73% or an estimated 2.9 million elderly residents loosing retirement income, the latest BankWest survey report has found.<br><br><em>BankWest Publication, 11\/06\/2009<\/em><br><br>We frequently hear about the risk of inflation, the risk of outliving your income, or the risk of not having enough money. One of the less commonly discussed issues (at least until recently) is having too much market risk in your portfolio at a time when you need an income from this portfolio. These are all issues that can be managed by effective retirement solutions planning<\/p>\n\n\n\n<p>The crucial period leading into, and just after retirement (approximately 10 years either side) when the retirement nest egg is most vulnerable to market down turns can be referred to as the \u2018Retirement Risk Zone\u2019.<br><br>Average short term losses due to downturns in markets during this time can have a significant long term effect on the longevity of your portfolio.<br><br>You can not provide for your regular, certain &amp; known retirement income by investing in an irregular, uncertain, unknown market!<\/p>\n\n\n\n<p>The biggest problem confronted by the individuals in the \u2018Retirement Risk Zone\u2019 is that they have been, and continue to be treated as part of a mass investment market. The recommendations and advice has not been designed around their individual needs, rather an investment strategy that has been pre-designed and packaged for mass sales.<br><br>The fact is that there is no single product or structure which will accommodate your own retirement needs.<\/p>\n\n\n\n<p><strong>Action<\/strong><br><br>If you are currently saving for retirement, about to retire or retired, you can take immediate action that will;<br><br>Provide you with known outcomes and security;<br>Give you the piece of mind throughout your future years;<br>Meet the challenges of the \u2018Retirement Risk Zone\u2019 including market risk.<br>How We Can Help<br>If your retirement plan has been jeopardised due to markets, then you never had a retirement plans!<br><br>Our aim is to provide a unique, specialist service to a limited number of clients.<br><br>How does \u2018Your Own Retirement Solution\u2019 work?<br>We need to determine the current stage of your retirement cycle and construct an appropriate strategy only applicable to you as advised by you.<br><br>Our approach is to separately identify different priorities in meeting Your Own Retirement Solution.<br><br>We then allocate the appropriate funds to the identified and agreed priorities (this is also referred to as the \u2018locked box\u2019 strategy).<\/p>\n\n\n\n<p><strong>We ensure the following;<\/strong><br><br>Provide for fixed income in retirement that is not subject to market, legislative or risk variables.<br>Allocate funds for planned capital expenditure.<br>Allocate funds for long term growth, reserves and estate planning needs<br>Provide a retirement management account which provides liquidity and flexibility to meet your changing needs<\/p>\n\n\n\n<p><strong>At Horvats<br><\/strong><br>We assist you with your tax and Centrelink affairs.<br>You retain full control, access, flexibility of your financial affairs.<br>No unexpected changes to your retirement plan.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The economic downturn has hit home for many of Australian\u2019s retirees and soon to be retired with 73% or an estimated 2.9 million elderly residents loosing retirement income, the latest BankWest survey report has found.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1146","post","type-post","status-publish","format-standard","hentry","category-uncategorised"],"acf":{"sectionOneData":{"fontSizeTitle":80,"lineHeightTitle":93,"headerClass":"light","background":"","backgroundMobile":""},"sectionTwoData":{"headerClass":"dark","footer":{"title":"","color":"#5F1437","bgColor":"#5F1437","class":"show"}},"sectionThreeData":{"title":"Related Insights","blogs":[1056,1116,1138],"headeClass":"light","footer":{"class":"hide","title":"Insight"}},"sectionEndData":{"text":"The first step to financial independence begins with a talk.","description":"","link":{"title":"Get in touch","url":"https:\/\/horvats.com.au\/backoffice\/contact\/","target":""},"background":390,"backgroundMobile":"","video_url":"The first step to financial independence begins with a talk.","footer":{"class":"hide"},"headerClass":"hide"}},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.2 - 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