Investment Overview
The Russell Investments Retirement Solution is a structured retirement framework that helps advisers prepare clients for the transition from accumulating wealth to drawing a sustainable retirement income. Rather than relying on a single diversified portfolio, the solution uses a bucketing strategy to align investments to different spending horizons, helping manage liquidity needs, support retirement income and maintain exposure to long-term growth assets.
Retirement Portfolios
Graph is shown for illustrative purposes only
How the solution works
A structured retirement framework
Managing retirement portfolios requires a different approach to accumulation portfolios. Advisers need to balance income requirements today with the need to preserve capital and maintain exposure to future growth opportunities.
The Russell Investments Retirement Solution helps advisers implement a structured retirement framework, known as a bucketing strategy, designed to support liquidity, income and long-term growth.
Rather than relying on a single diversified portfolio to fund retirement withdrawals, the bucketing strategy separates assets according to when they are expected to be needed. This can help advisers support near-term spending requirements without relying on the sale of long-term growth assets during periods of market volatility.
Why advisers use a bucketing approach
✓ Separate liquidity needs from long-term growth assets
✓ Maintain exposure to long-term growth opportunities
✓ Manage sequencing risk and market volatility
✓ Create a clearer framework for retirement income conversations
✓ Support client confidence through changing market conditions
The three buckets
The framework separates retirement assets into ‘buckets’ according to when they are expected to be needed:
Benefits for clients
By separating near-term spending needs from longer-term investments, the Retirement Solution can support a clearer, more resilient approach to retirement.
Know what funds their lifestyle
Gives clients a clearer view of which assets are intended to support spending today, in the years ahead and later in retirement.
Less pressure to sell at the wrong time
Near-term spending can be funded from more defensive assets, reducing reliance on selling growth investments during periods of market weakness.
More confidence through retirement
A defined plan for where retirement income will come from can help clients navigate changing markets without losing sight of their longer-term goals.
Where can you access our Retirement Solution?
| Platform | Short term portfolio | Medium term portfolio | Long term portfolio |
|---|---|---|---|
| Colonial First State | ✓ | ✓ | Russell Investments Manged Portfolios |
Our team of experts is ready to help.
Neil Rogan
Managing Director, Head of Distribution
Tonya Ripley
Head of Key Accounts
Hemant Raval
Key Account Manager
Terry Tyrrell
Regional Manager - NSW/ACT
Laurence Gamboa
Regional Manager -
NSW/ACT
Ross Nayler
Regional Manager -
WA/SA/NT
Peter Poulopoulos
Regional Manager –
VIC/TAS
Aydin Sipahi
Regional Manager –
VIC
James Noone
Regional Manager - QLD
Jack Fitzgerald
Regional Manager – QLD