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How to create an investment portfolio in retirement

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If SuperGuide refers to a financial product you should obtain the relevant product disclosure statement (PDS) or seek personal financial advice before making any investment decisions. Learn more

Creating a retirement investment portfolio requires a different mindset to the investment strategies you may have used to save for retirement.

During your working life you (hopefully) made regular contributions to your super fund where it remained untouched and compounding for three to four decades.

In retirement, it’s the reverse. Once you transfer your super into retirement phase, you draw regular income to live on and there are strict limits on any further contributions into your super account. Any growth in your pension account must come from earnings on existing investments.

This drawdown of wealth in retirement can last almost as long as the wealth accumulation phase. Depending on when you retire and how long you live, you could be looking at up to 30 years or so.

Putting the income horse before the investment cart

Before you get into the nitty gritty of how to structure your retirement investment portfolio, you need to get a handle on how much income you will need to live on.

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IMPORTANT: All information on SuperGuide is general in nature only and does not take into account your personal objectives, financial situation or needs. You should consider whether any information on SuperGuide is appropriate to you before acting on it. If SuperGuide refers to a financial product you should obtain the relevant product disclosure statement (PDS) or seek personal financial advice before making any investment decisions. Comments provided by readers that may include information relating to tax, superannuation or other rules cannot be relied upon as advice. SuperGuide does not verify the information provided within comments from readers. Learn more

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