Preparing your investments to take you to and through retirement.
Your carefully considered path to retirement
Retirement isn’t just a milestone—it’s a new phase of life that requires careful financial planning. When done right, it offers freedom, fresh opportunities, and the confidence to live life on your terms.
As you near retirement, striking the right balance between growth and security becomes crucial. While you're still focused on building wealth, it's just as important to manage the risks that come with this new stage. This requires a dual approach: continuing to grow your investments while thoughtfully preparing for the moment you begin drawing on them.
Introducing the Cornerstone Retirement Solution
The Cornerstone Retirement Solution is a smart strategy designed to help you navigate the financial challenges of retirement.
At the heart of this approach is the bucketing strategy—a simple yet effective way to structure your investments to match your income needs.
The bucketing strategy gradually shifts money into three distinct portfolios (‘buckets’) matched to your expected income needs in retirement. This approach ensures you always have a stable source of income while allowing your longer-term investments to grow.
Nearing Retirement
Your adviser helps structure your retirement savings based on your goals and risk tolerance, which divides your assets into three buckets to balance spending, security, and growth:
At retirement
Once you enter retirement, your adviser plays a crucial role in managing and replenishing your buckets over time by strategically moving money between them depending on how your goals and the market conditions change. This will ensure you have a steady and reliable income throughout retirement:
Planning for retirement can feel overwhelming, but you don’t have to navigate it alone. With your adviser and the Cornerstone Retirement Solution, you’ll have a structured, strategic approach designed to give you confidence in your financial future.
With the right approach, you can enter retirement with confidence and peace of mind, knowing you’re ready for the road ahead.
ASK A QUESTION
Contact us
You can call Invest Blue on 1300 346 837 to speak to an adviser or book an appointment.
Cornerstone Financial Group Pty Ltd is a wholly owned subsidiary of Invest Blue Pty Ltd (ABN 91 100 874 744) which is an Authorised Representative and Credit Representative of Akumin Financial Planning Pty Limited ABN 89 051 208 327, Australian Financial Services Licence and Australian Credit Licence No. 232706.
This website contains factual information only about the Cornerstone and Russell Investments Managed Portfolios. The information provided is not intended to imply any recommendation or opinion about a financial product. This website has not been prepared having regard to any retail investor’s objectives, financial situation or needs. Before making an investment decision, an investor should also consider the latest disclosure document in respect of the Managed Portfolio (‘‘Disclosure Document’’) and / or seek financial advice in deciding whether to make or continue to hold, an investment in the Managed Portfolio. The Disclosure Document can be obtained by contacting a financial adviser or the platform operator(s) offering the Managed Portfolio.
Russell Investment Management Ltd ABN 53 068 338 974, AFS Licence 247185 (RIM) is the investment consultant to Invest Blue Pty Ltd for the Cornerstone Retirement Solution and Cornerstone Managed Portfolios. RIM is also the investment adviser to the issuers of the Cornerstone Managed Portfolios.