Jenny is aged 65 and is about to retire in a few weeks from now. She is currently single, healthy and would like to continue living in her home, which she owns with no debt. She has $800,000 in superannuation and would like to draw a regular income from an Account Based Pension of about $40,000 per year when she retires to cover her living expenses. She is experienced and comfortable investing in shares but feels as though she would like to enjoy her retirement without having to fear that a stock market crash could wipe out all of her retirement savings but recognises she must still keep some of her superannuation invested in growth assets so that she doesn’t run out of money.
Which of the following asset allocations is MOST appropriate for her superannuation based on the examples provided in the lecture material:

Question

Jenny is aged 65 and is about to retire in a few weeks from now. She is currently single, healthy and would like to continue living in her home, which she owns with no debt. She has $800,000 in superannuation and would like to draw a regular income from an Account Based Pension of about $40,000 per year when she retires to cover her living expenses. She is experienced and comfortable investing in shares but feels as though she would like to enjoy her retirement without having to fear that a stock market crash could wipe out all of her retirement savings but recognises she must still keep some of her superannuation invested in growth assets so that she doesn’t run out of money. 
 Which of the following asset allocations is MOST appropriate for her superannuation based on the examples provided in the lecture material:

Answer

20% Cash and 80% Fixed Interest.

Answer

20% Cash, 60% Fixed Interest, 5% Commercial Property & Infrastructure, 10% Australian Shares and 5% International Shares.

Answer

10% Cash, 30% Fixed Interest, 10% Commercial Property & Infrastructure, 30% Australian Shares and 20% International Shares.

Answer

5% Cash, 15% Fixed Interest, 10% Commercial Property & Infrastructure, 40% Australian Shares and 30% International Shares.

Crowdly

Jenny is aged 65 and is about to retire in a few weeks from now. She is currentl...

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