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From Franklin Templeton Investments Australia

‘Sufficient income for life’ the new retirement paradigm

Sydney, 16 July 2021 – In a major update on their research-based approach to retirement income portfolio construction, leading active equity investment manager Martin Currie Australia reaffirms that retirees need to rethink the use of typical defensive portfolios based on risk/return theory and adopt a ‘sufficient income for life’ approach.

Martin Currie highlights in their newly released research paper that the sufficient income for life approach relies on the concept of income volatility as a measure of the risk of impaired living standards in retirement, rather than asset return volatility.

Investments entail risks, the value of investments can go down as well as up and investors should be aware they might not get back the full value invested.

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