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Protection against risks in retirement

One-size-fits-all retirement income products don’t suit everyone.

We know from research that many retirees would prefer to receive a guaranteed income for life rather than risk depleting their retirement savings, especially in a low return environment.

Investment tools are very effective in managing investment risk, but longevity risk requires a different tool, one that allows individuals to pool and share risk. Insurance tools were designed to do exactly this.

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Just’s lifetime income options provide protection against certain risks in retirement: 

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Longevity Risk
Outliving your retirement savings

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Investment Risk
Insufficient returns to sustain income. Consuming capital when markets fall 

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Inflation Risk
Income needs to grow to meet same expenses a year later

behavioural risk
Behavioural Risk
Spending more than you earn 

 

We offer a range of products to help you make the most of your financial retirement resources.