In retirement, you can no longer rely on an income to grow your superannuation. It becomes doubly important to preserve and build your capital so that it will meet your needs for the rest of your life. This is likely to be your most risk-averse period.
For this reason, many retirees put their money in cash and term deposits. The trouble with that is, in low interest environment environments, inflation erodes your savings. While the stock market may look tempting, you need to know what you are doing. Even when you leave the money management in the hands of those who ostensibly know what they are doing, you may not be safe – as we saw during the GFC.
Often it comes down to one question: Who can you trust?
We invite you to consider Clime Investment Management. Clime is a top performing specialist value investor, whose primary guiding principle is capital maintenance. Maintaining your capital is incredibly important. In simple terms, once money has been lost, it becomes very hard to recoup the value of your investment.
$1,000,000 – 50% = $500,000
You need to return 100% to get back to your original amount.
$500,000 + 100% = $1,000,000
Our goal for your money…
Clime aims for an annual return of 10%*, which means doubling your money every seven years. We do this by carefully selecting our stock market investments, and by increasing your cash holding when the market looks overheated. In this way, Clime has provided investors with positive returns even whilst the GFC destroyed most others*.
When you look at Clime’s performance*, you will see that it is much less volatile than the overall market. Despite this, Clime consistently outperforms the market. For high net worth individuals, couples or SMSF’s, our individually managed accounts offer the prospect of excellent returns*, in an account designed just for you.
If you invested $1M, even in our retail fund on 30 April 2008, it would have grown to $1.8M net*, whilst an indexed fund (with performance in line with the All Ordinaries Accumulation Index) would have shown spectacular gains and losses, and only recently (Dec 2012) have clawed back past the starting point. It would now (as at Apr 30 2013) be worth just $1.14M.
Smarter investing options
So if you are looking to contain risk, grow your wealth and enjoy your retirement rather than agonising over investment decisions, talk to Clime about investing in an individually managed account (Discrete Share Portfolio – DSP) or the Clime Australian Value Fund (CAVF).
* Past performance is not a guarantee of future returns. The information provided on this webpage and the rest of clime.com.au is intended for general use only. The information presented does not take into account the investment objectives, financial situation and advisory needs of any particular person nor does the information provided constitute investment advice. Under no circumstances should investments be based solely on the information herein.