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colonial retirement pdf 2015 strategy

New analysis from Colonial First State highlights. total assets at the balance date of each fund. The information in the AFLSS can be readily sorted by each of the metrics in the list above. The AFLSS also includes information on the membership base of each fund included in the, planning and strategy meetings with several clients over the years, including the development of clear action plans and success metrics. Andrew also plays an important role in driving Willis Towers Watson’s research efforts and thought leadership in Australia, including retirement income solutions, savings adequacy, and member engagement tools and strategies. Andrew is a regular speaker at.

Retirement Lifestyle Sustainer Strategy

9/30/18 docs.retirementpartner.com. 4 First Quest Retirement Services annual report 2015 SUPER FUND INFORMATION FIRST QUEST RETIREMENT SERVICE The Fund was established on 16 February 2001 and is a complying superannuation fund under the SIS Act., Adelaide City Council (March 2015) Access and Inclusion Strategy - Final - Endorsed 13 November 2012.docx Access and Inclusion Strategy - Graphically Designed PDF - Final.pdf Access and Inclusion Strategy - Graphically Designed PDF - Final.pdf.

Superannuation is the portion of your earnings and savings that is placed in a fund to be held in trust until your retirement. The objective of superannuation is to provide income in retirement that substitutes or supplements the Australian Age Pension . Module 6 Additional Strategies for Generating Retirement Income ©2015 Pershing LLC, member FINRA, NYSE, SIPC, is a wholly owned subsidiary of The Bank of New York Mellon Corporation (BNY Mellon). Trademark(s) belong to their respective owners.

Adviser Use Only each other. According the Jarrad Gray, PDM for Retirement Strategies, this level of attendance is testament to just how popular Darcy and Ben are with their clients. Adelaide City Council (March 2015) Access and Inclusion Strategy - Final - Endorsed 13 November 2012.docx Access and Inclusion Strategy - Graphically Designed PDF - Final.pdf Access and Inclusion Strategy - Graphically Designed PDF - Final.pdf

2015 Retirement Strategy Annualized Performance as of 12/31/08* *Please note the portfolio’s inception date is 10/3/2008. The returns are presented net of fees. Periods less than one year represent cumulative returns. Benchmark Return Notes The benchmark for a Retirement Strategy Fund is a customized benchmark that has the same target asset allocation as the Fund and uses index returns … The benchmark for a Retirement Strategy Fund is a customized benchmark that has the same target asset allocation as the Fund and uses index returns to represent performance of the asset classes.The benchmark returns were calculated by weighting the monthly index returns of each asset class by the Fund’s monthly target allo-

the Fund Colonial Super Retirement Fund ABN 40 328 908 469 the Group Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 and its subsidiaries TFN Tax File Number CMS, Trustee, we, us, our Colonial Mutual Superannuation Pty Ltd ABN 56 006 831 983 AFSL 235025 This Report is issued by Colonial Mutual Superannuation Pty Ltd, trustee of the Colonial Super Retirement Fund. … Nicolette Rubinsztein embarked on a career as a non-executive director in late 2015. She is a director of Unisuper. Prior to that she was a general manager at Colonial First State/ CBA for 14 years, holding three GM positions including Strategy, Retirement and Marketing.

If a client were to receive a windfall inheritance, they may be tempted to take it as a lump sum of cash; however it may not be the best approach. It’s important to carefully manage any tax liabilities associated with inheriting, and consider how best the inheritance should be used for your Superannuation is the portion of your earnings and savings that is placed in a fund to be held in trust until your retirement. The objective of superannuation is to provide income in retirement that substitutes or supplements the Australian Age Pension .

Is a Transition to Retirement Strategy suitable for me? Everyone’s situation is different and while a Transition to Retirement strategy can provide benefits, there are tax and cash flow issues thatneed to be carefully considered. Before implementing a new financial strategy, it is best to review your situation with a financial planner. MAP 1Financial Planning . MAP Financial Planners assist 2015 Retirement Strategy Annualized Performance as of 12/31/08* *Please note the portfolio’s inception date is 10/3/2008. The returns are presented net of fees. Periods less than one year represent cumulative returns. Benchmark Return Notes The benchmark for a Retirement Strategy Fund is a customized benchmark that has the same target asset allocation as the Fund and uses index returns …

Module 6 Additional Strategies for Generating Retirement Income ©2015 Pershing LLC, member FINRA, NYSE, SIPC, is a wholly owned subsidiary of The Bank of New York Mellon Corporation (BNY Mellon). Trademark(s) belong to their respective owners. retirement. In addition to this, there is the risk that Super In addition to this, there is the risk that Super laws (including tax laws) may change in the future.

In Spanish colonies, especially retirement schemes have been highly shaped by the colonial legacy since most colonies established a pension system according to the Spanish model of the early 19th century. The findings demonstrate that the interplay between the characteristics of the colonies and the imperial strategy of the colonial powers is crucial for explaining different pathways of social Retirement Strategies wins the national client referral award 2015 Happy clients = more referrals When a financial adviser helps a client achieve their lifestyle goals, chances are the client will want their friends and family to enjoy the same positive experience.

Retirement Strategy Fund 2015 Note: Numbers may not always add up due to rounding. Description Plan 3s DCP & JRA June 30, 2018 % Invested For Each Plan Case study transition to retirement boosting super. Andy keeps working full-time and boosts his super. Andy is 58 and earns $100,000 a year. He intends …

Centres, Early Childhood Education Centres and Retirement Villages, especially in regional NSW. Across these Across these three portfolios we will seek to embed chaplaincy services to ensure people can access appropriate spiritual care. Colonial First State general manager Linda Elkins said retirees are faced with too many negative messages which play on people’s “fear and uncertainty about retirement”.

6 6 Retirement landscape Life expectancy probabilities Chart: Social Security Administration, Period Life Table, 2011 (published in 2015), J.P. Morgan Asset Management. Is a Transition to Retirement Strategy suitable for me? Everyone’s situation is different and while a Transition to Retirement strategy can provide benefits, there are tax and cash flow issues thatneed to be carefully considered. Before implementing a new financial strategy, it is best to review your situation with a financial planner. MAP 1Financial Planning . MAP Financial Planners assist

For the year ending 30 June 2015 1 Investment performance and other important information Superannuation products available within the Colonial Super Retirement Fund. • The 2015 UK National Security Strategy, CBP7431 • A brief guide to previous British defence reviews, CBP7313 • The 2015 SDSR: a primer, CBP7235 . Government documents • The National Security Strategy and Strategic Defence and Security Review 2015, Cm 9161 • Ministry of Defence SDSR 2015 factsheets . 7 The 2015 Strategic Defence and Security Review . 1. Key points at a glance : Box

This calculator generates factual information illustrating the effect of different strategies in respect of salary sacrifice contributions and effecting a Transition to Retirement Income Stream, and it is only applicable to people who have attained their preservation age and are under age 65. At Colonial First State, we've been helping Australians with their investment needs since 1988. In that time, we've become one of Australia's leading wealth management groups, with more than a $113 billion funds under administration as at December 2015.

Colonial First State is the trustee of the FirstChoice Trust, the responsible entity for most of the investment options in FirstChoice Wholesale and a subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124 AFS Licence 234945 At the time of his retirement, Alan held a number of Directorships including Colonial Foundation and, in August 2014, was appointed to the Board of Orygen, The …

4 First Quest Retirement Services annual report 2015 SUPER FUND INFORMATION FIRST QUEST RETIREMENT SERVICE The Fund was established on 16 February 2001 and is a complying superannuation fund under the SIS Act. Literature Review Longevity Risk and Retirement Income Planning Patrick J. Collins Huy D. Lam Josh Stampfli CFA Institute Research Foundation

we, us, our), trustee of the Colonial Super Retirement Fund ABN 40 328 908 469 (the Fund). The Colonial Mutual Life The Colonial Mutual Life Assurance Society Limited ABN 12 004 021 809 AFSL 235035 (CMLA) is the Administrator, Investment Manager and Insurer. Horn, who joined Colonial Life in 2004, will remain actively involved at the company until his retirement, as he transitions his operating responsibilities to Arnold.

Retirement Strategies wins the national client referral award 2015 Happy clients = more referrals When a financial adviser helps a client achieve their lifestyle goals, chances are the client will want their friends and family to enjoy the same positive experience. Is a Transition to Retirement Strategy suitable for me? Everyone’s situation is different and while a Transition to Retirement strategy can provide benefits, there are tax and cash flow issues thatneed to be carefully considered. Before implementing a new financial strategy, it is best to review your situation with a financial planner. MAP 1Financial Planning . MAP Financial Planners assist

• The 2015 UK National Security Strategy, CBP7431 • A brief guide to previous British defence reviews, CBP7313 • The 2015 SDSR: a primer, CBP7235 . Government documents • The National Security Strategy and Strategic Defence and Security Review 2015, Cm 9161 • Ministry of Defence SDSR 2015 factsheets . 7 The 2015 Strategic Defence and Security Review . 1. Key points at a glance : Box December 2015 Retirement planning: an income strategy for old age Lesley-Ann Morgan Global Head of Defined Contribution In arriving at this solution, we discovered that certain risks and requirements were common to pensioners the world over. Four key areas of uncertainty stood out: 1. Investment – the risk of earning less than expected 2. Longevity – the risk of living longer than expected

each AllianceBernstein Retirement Strategy will emphasize capital growth for periods further from retirement (which, for example, is the case for the AllianceBernstein 2055 Retirement Strategy) and capital preservation and income for periods nearer to and after retirement (which, for example, is the case for the AllianceBernstein 2000 Retirement Strategy). All AllianceBernstein Retirement each AllianceBernstein Retirement Strategy will emphasize capital growth for periods further from retirement (which, for example, is the case for the AllianceBernstein 2055 Retirement Strategy) and capital preservation and income for periods nearer to and after retirement (which, for example, is the case for the AllianceBernstein 2000 Retirement Strategy). All AllianceBernstein Retirement

AMP Retirement Savings Account Product Disclosure Statement Contents 1. About AMP Retirement Savings Account 2. How super works 3. Benefits of investing with AMP Retirement Savings Account 4. Risks of super 5. How we invest your money 6. Fees and costs 7. How super is taxed 8. How to open an account 9. Other information This Product Disclosure Statement (PDS) is a … DID YOU KNOW? 10 July 2015 Annuities via platform! At CommInsure we recognise the importance of helping your client s find appropriate retirement solutions as well as the need for advisers to be able to offer quality advice

For the year ending 30 June 2015 Investment performance

colonial retirement pdf 2015 strategy

DID YOU KNOW? Riskinfo. MLC Navigator Retirement Plan Series 2. Notice date Nature of communication Description 27-Jan-16 Northward Equity Income Fund (ANT0006AU) – Significant adverse change of benchmark /strategy/ distribution frequency To advise clients / members that Antares Capital Partners Ltd is making changes to the Northward Equity Income Fund’s benchmark and income distribution frequency. 1 – Feb- 16, Nicolette Rubinsztein embarked on a career as a non-executive director in late 2015. She is a director of Unisuper. Prior to that she was a general manager at Colonial First State/ CBA for 14 years, holding three GM positions including Strategy, Retirement and Marketing..

for Well-Funded Pension Plans. DFAT Indigenous Peoples Strategy 2015–2019 A framework for action. DFAT Indigenous Peoples Strategy 2015–2019 A framework for action. 4 Objective The Australian Government is committed to providing opportunities to assist indigenous peoples —both in Australia and overseas—to overcome social and economic disadvantages. Indigenous peoples make up only 5 per cent of the global …, retirement. In addition to this, there is the risk that Super In addition to this, there is the risk that Super laws (including tax laws) may change in the future..

Longevity Risk and Retirement Income Planning

colonial retirement pdf 2015 strategy

for Well-Funded Pension Plans. If a client were to receive a windfall inheritance, they may be tempted to take it as a lump sum of cash; however it may not be the best approach. It’s important to carefully manage any tax liabilities associated with inheriting, and consider how best the inheritance should be used for your https://en.m.wikipedia.org/wiki/Militia Case study transition to retirement boosting super. Andy keeps working full-time and boosts his super. Andy is 58 and earns $100,000 a year. He intends ….

colonial retirement pdf 2015 strategy

  • FIRSTCHOICE INVESTMENT OPTIONS MENU Johnston Grocke
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  • Is a Transition to Retirement Strategy suitable for me? Everyone’s situation is different and while a Transition to Retirement strategy can provide benefits, there are tax and cash flow issues thatneed to be carefully considered. Before implementing a new financial strategy, it is best to review your situation with a financial planner. MAP 1Financial Planning . MAP Financial Planners assist 4 2015 Hot Topics in Retirement Over the past several years, plan sponsors have reported that measuring the competitive position of the plan was the initiative most likely to …

    Centres, Early Childhood Education Centres and Retirement Villages, especially in regional NSW. Across these Across these three portfolios we will seek to embed chaplaincy services to ensure people can access appropriate spiritual care. Colonial Super Retirement Fund has 584 investment options, N/A MySuper products authorised, and 0% of it’s total assets are invested in a default or MySuper strategy. Continue reading to find out more about Colonial Super Retirement Fund.

    If a client were to receive a windfall inheritance, they may be tempted to take it as a lump sum of cash; however it may not be the best approach. It’s important to carefully manage any tax liabilities associated with inheriting, and consider how best the inheritance should be used for your on Productivity Commission data, Superannuation Policy for Post-Retirement. An appropriate reference for this publication is: Productivity Commission 2015, Superannuation Policy for Post-Retirement, Commission Research Paper, Canberra. Publications enquiries . Media and Publications, phone: (03) 9653 2244 or email: maps@pc.gov.au . The Productivity Commission . The Productivity …

    Horn, who joined Colonial Life in 2004, will remain actively involved at the company until his retirement, as he transitions his operating responsibilities to Arnold. Transition to Retirement Strategy The nature of retirement is changing and so are the rules. If you want to reduce your working hours or pay less tax without sacrificing your income ‘tr, ansition to retirement’ could be the answer. A transition to retirement pension is an income stream which allows individuals who have reached their preservation age to access their superannuation benefits

    Investment, superannuation and retirement forms for Colonial First State products. Choose the form you need. Horn, who joined Colonial Life in 2004, will remain actively involved at the company until his retirement, as he transitions his operating responsibilities to Arnold.

    each AllianceBernstein Retirement Strategy will emphasize capital growth for periods further from retirement (which, for example, is the case for the AllianceBernstein 2055 Retirement Strategy) and capital preservation and income for periods nearer to and after retirement (which, for example, is the case for the AllianceBernstein 2000 Retirement Strategy). All AllianceBernstein Retirement Suncorp WealthSmart™ – Thinking about retirement. 1. By now, you’ve done most of the hard work: holding down a career and acquiring . assets to boost your financial situation along the way.

    DID YOU KNOW? 10 July 2015 Annuities via platform! At CommInsure we recognise the importance of helping your client s find appropriate retirement solutions as well as the need for advisers to be able to offer quality advice For the year ending 30 June 2015 1 Investment performance and other important information Superannuation products available within the Colonial Super Retirement Fund.

    Optimal Retirement Income Solutions in DC Retirement Plans JULY 2015 longevity.stanford.edu PHASE 1: Baseline, Interim Results and Commentary Retirement strategy Aveo Group will continue to pursue its strategy in FY14 and beyond to transform to a pure retirement group focused on increased levels of development and care.

    Bob Repass is a 25-year veteran and expert in the seller finance mortgage and distressed asset industry. Over the course of his career, he has purchased over 40,000 performing and non-performing mortgage loans totaling over $2 billion dollars in volume, giving him … The benchmark for the 2015 Retirement Strategy is a customized benchmark that has the same target asset allocation as the Strategy’s target asset allocation and uses index returns to represent performance of the asset classes.The benchmark returns were calculated by weighting the monthly index returns of each asset class by the Strategy’s monthly target allocation for each asset class

    At Colonial First State, we've been helping Australians with their investment needs since 1988. In that time, we've become one of Australia's leading wealth management groups, with more than a $113 billion funds under administration as at December 2015. Retirement Strategies wins the national client referral award 2015 Happy clients = more referrals When a financial adviser helps a client achieve their lifestyle goals, chances are the client will want their friends and family to enjoy the same positive experience.

    4 First Quest Retirement Services annual report 2015 SUPER FUND INFORMATION FIRST QUEST RETIREMENT SERVICE The Fund was established on 16 February 2001 and is a complying superannuation fund under the SIS Act. retirement. In addition to this, there is the risk that Super In addition to this, there is the risk that Super laws (including tax laws) may change in the future.

    Adviser Use Only each other. According the Jarrad Gray, PDM for Retirement Strategies, this level of attendance is testament to just how popular Darcy and Ben are with their clients. This calculator generates factual information illustrating the effect of different strategies in respect of salary sacrifice contributions and effecting a Transition to Retirement Income Stream, and it is only applicable to people who have attained their preservation age and are under age 65.

    RETIREMENT INSIGHTSGuide to Retirement2015 EditionRETIREMENT INSIGHTSSM62138fnl.indd 162138fnl.indd 1 5/26/15 7:00 PM5/26/15 7:00 PM22Table of contents Retirement landscape Factors that shape todays retirement experience SavingBehaviors and best practices while saving for retirement SpendingBehaviors and considerations for living in Optimal Retirement Income Solutions in DC Retirement Plans JULY 2015 longevity.stanford.edu PHASE 1: Baseline, Interim Results and Commentary

    DID YOU KNOW? 10 July 2015 Annuities via platform! At CommInsure we recognise the importance of helping your client s find appropriate retirement solutions as well as the need for advisers to be able to offer quality advice Retirement Strategies wins the national client referral award 2015 Happy clients = more referrals When a financial adviser helps a client achieve their lifestyle goals, chances are the client will want their friends and family to enjoy the same positive experience.

    ERISA - Employee Retirement Income Surety Act of 1974 is a federal law that sets minimum standards for pension plans in a private industry. ERISA bonding … 6 6 Retirement landscape Life expectancy probabilities Chart: Social Security Administration, Period Life Table, 2011 (published in 2015), J.P. Morgan Asset Management.

    Optimal Retirement Income Solutions in DC Retirement Plans JULY 2015 longevity.stanford.edu PHASE 1: Baseline, Interim Results and Commentary If a client were to receive a windfall inheritance, they may be tempted to take it as a lump sum of cash; however it may not be the best approach. It’s important to carefully manage any tax liabilities associated with inheriting, and consider how best the inheritance should be used for your

    Superannuation is the portion of your earnings and savings that is placed in a fund to be held in trust until your retirement. The objective of superannuation is to provide income in retirement that substitutes or supplements the Australian Age Pension . Literature Review Longevity Risk and Retirement Income Planning Patrick J. Collins Huy D. Lam Josh Stampfli CFA Institute Research Foundation