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Create a Regular Income in Retirement while Investing at Low Risk.

Get the income you need and invest at low risk.
Grow your capital and get a guaranteed, regular pension.

There are only two things that can produce an income - people at work and capital at work.
Once you retire, your precious pension needs to work for you and the only way to effectively control this, is through an Pension Income Plan.

Creating an Income in Retirement.

Most retirees face the same problem; how to create an income whilst, at the same time, protecting and growing their capital.
Your income uses some of the money that you want to use to grow your capital.
And growing your money requires that you take some risk with it (higher risk equals higher returns) - quite the opposite to protecting your capital!

You need to create the right amount of income and invest your capital in products that are secure and offer you the flexibility to move with both your and market changing circumstances.

You don't know how long you (or your spouse) will live, whether the market trend will be up or down, or what the rate of inflation will be.
But the chances are high that you will be retired for a long time - probably 25 years or more!

That's a long time to live without a salary and you must ensure that the strategy you follow from the beginning, will meet your needs.
There are many investments to choose from, some simple; some complex and your difficulty is to decide which will best for you.
You need to consider tax, inflation, CGT, risk, diversification, liquidity, and your inheritance wishes.

You really need professional advice with someone who will partner you through this minefield.
My strategy, used with many happy retirees, will provide you with an inflation proof income, whilst - at the same time, give you the potential to grow your capital.

You can reduce the risk you face when trying to secure the highest return for your money.
Once you have secured your income, you will have the peace of mind to invest your remaining capital, using investments like Annuities to Unit Trusts. They allow you to take advantage of potential market growth.

Please don't come to me to help make you rich; come to me to help you keep from being poor!

A professionally designed Retirement Income Plan will address the key challenges you will face throughout your retirement years. This plan gives you the peace of mind to enjoy your retirement!
It will provide a guaranteed lifetime income (for your spouse or dependants as well).
It will give you excellent income tax advantages.

You have limited capital from which to generate the right income and at the same time grow your capital. It is vital to create the correct mix of investments to do this, and that is not easy with all the advice on the Internet!

You need to be conservative in your approach, however growth comes does require some risk!

So what do you do?

Here are some guidelines;

• Have realistic expectations of how much income your capital will give you.
• You need to take some risk, if only to fight the effects of inflation.
• If all your money is in the bank, you need advice now!
• Consider a annuity to provide you a guaranteed monthly income that meets your basic expenses. You can then investigate other products to help grow your remaining capital.
• Investigate the concept of Holding Periods and Income Ladders.
  This strategy can provide guaranteed, ongoing inflation proof income and the ability to grow your capital.
• Your greatest risk is outliving your money, not loosing it!

Everyone has a different vision of retirement. You may want to travel the world, volunteer in your community, study Sanskrit, or perfect your golf swing. But the one thing you don't want to do is waste time worrying about your money!

After all is said and done, what we need most during retirement is flexibility, security and control.
We want to know that we will be able to maintain the kind of retirement we were hoping and planning for.
And that comes from a well-built financial plan.

My view on retirement?
I want to wake up in the morning with nothing to do, and by bedtime, have only half of it done!

Please contact me for a no-nonsense, free and objective look at creating income in your retirement.

A second opinion cost you nothing, yet without it may cost you dearly!

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Important Disclaimer:This content is for informational purposes only and does not constitute financial advice. Past performance is not indicative of future results.
Please speak to me before making any decisions.

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Last update: September 9, 2025