Investing for Retirees
Many Australians entering or already in retirement are rethinking their investment approach. With increased cost-of-living pressures, longer life expectancy, and reduced confidence in traditional income sources, retirement introduces a new set of financial considerations.
Unlike during your working years, the focus shifts from growing wealth to preserving capital and generating income to support your lifestyle. For many retirees, having a dependable source of income each month is essential to cover day-to-day expenses and maintain peace of mind, it’s important to remember that no investment is free of risk.
At Skyring, we understand these priorities. That’s why we offer income-focused investment options aimed to provide monthly income distributions, while also incorporating capital preservation strategies through asset-backed investments and active risk management. These strategies may align with the needs of some retirees and SMSF investors, depending on individual circumstances.
Why Income Matters in Retirement
Today’s financial landscape and retirement environment looks different than in the past:
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Interest rates continue to fluctuate, impacting returns from traditional options like term deposits
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Inflation continues to affect living costs and essential services such as energy, groceries, health, and insurance
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Market volatility can make income from shares and dividends unpredictable
Some retirees consider income-focused investments as part of a broader financial strategy, as they may provide more regular income than some growth-oriented assets. However, these investments also involve risks and may not be suitable for everyone.
About Skyring’s Funds
Skyring offers two managed investment schemes that may be suitable for investors seeking regular income distributions, including retirees and SMSFs:
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Suited to shorter investment timeframes (minimum 3-month investment) and moderate risk profiles
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Aims to provide monthly income distributions and has the option to reinvest distributions
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You can get started with as little as $1,000, and apply online.
Skyring Platinum Fixed Income Fund:
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Suitable to investors with a longer investment term horizon (choose between 12, 24 and 36 month terms)
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Maintains a focus on capital preservation through structured lending and risk assessment
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Aims to provide monthly income distributions
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Get started with just $1,000, and apply online.
Please note that neither income nor capital returns are guaranteed. Both funds involve investment risks, including potential delays in access to capital and variability in income payments.
What Retirees Should Know
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Both funds aim to provide monthly income distributions, but returns are not guaranteed
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Investments are subject to risk, and past performance is not a reliable indicator of future performance
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Returns may be lower or higher than expected, and capital may be at risk
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These investment options are available to eligible investors and subject to terms and conditions outlined in the relevant PDS
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Investors receive regular reports to help them stay informed about their investments
A Word from Our CEO
“Retirement is about financial confidence and stability. At Skyring, our funds aim to provide income you can rely on, with strategies designed to preserve your capital where possible and give you peace of mind.”
David Mardell, Chief Executive Officer, Skyring Asset Management
Is This Right for You?
Every investor’s circumstances are different. Before making any investment decision, it’s important to consider your personal financial situation, investment objectives, and risk tolerance. Consulting with a licensed financial adviser can help determine whether an income-focused strategy is appropriate for your retirement goals.
Interested in learning more?
Request the Product Disclosure Statement (PDS) and Target Market Determination (TMD) or speak to us for more information about our income funds. Our Investor Relations Team is available to answer any queries on 1300 73 72 74.
Click here to request an information pack today
Our funds are suitable for a variety of investors, including individuals, companies, self-managed super funds (SMSFs), and trusts. We pride ourselves on transparency, with no entry or exit fees, and a straightforward online application process that can be completed in approximately ten minutes.
Learn more about how to invest with Skyring:
Important Information
This blog post is for general information only and does not consider your personal circumstances, financial needs, or objectives. You should read the Product Disclosure Statement carefully before investing. Past performance is not a reliable indicator of future results. Investments carry risks including possible loss of capital. No guarantee is made regarding the repayment of capital or the payment of income.
aThe figures in this blog are for illustrative purposes only and based on indicative distribution rates. Actual returns may vary.
^Past performance is not a reliable indicator of future performance. The rates of return from the Fund are not guaranteed. An investment in the Fund is not a bank deposit and is subject to investment risk, including the loss of capital invested.
This rate of return is subject to the performance of our related entity, Skyring Capital Pty Ltd and and/or Skyring Securities Pty Ltd.
You should consider whether the investments are suitable for you or seek personal advice from a licensed financial planner before making an investment decision.
*To invest in this Offer, investors should obtain and read the PDS, SPDS and TMD before making an investment decision.
TMD and PDS and SPDS for this product are available from our website or request a copy by contacting us on 1300 73 72 74 or request one from your Financial Advisor. Investments may only be made by completing the application form attached to the Product Disclosure Statement or via our online application service.
Skyring Asset Management Limited ACN 156 533 041 holds Australian Financial Services License (AFSL) 422902. Skyring has registered the Skyring Fixed Income Fund ARSN 622 775 464 with the Australian Securities and Investments Commission (ASIC). Skyring Asset Management Limited ACN 156 533 041 AFSL 422902 is the issuer and manager of the Skyring Fixed Income Fund ARSN 622 775 464.SKYRING has registered the Skyring Platinum Fixed Income Fund ARSN 646 317 982 with the Australian Securities and Investments Commission (ASIC). Skyring Asset Management Limited ACN 156 533 041 AFSL 422902 is the issuer and manager of the Skyring Platinum Fixed Income Fund ARSN 646 317 982.
#Withdrawal rights are subject to liquidity and may be delayed or suspended.
*See PDS and SPDS for more information.
Skyring’s address is Level 2, 2 Gardner Close, Milton, QLD, 4064.
Our reply-paid postal address is Reply Paid 88076, Kenmore, QLD 4069.
You can contact us by telephone on 1300 73 72 74 or via email at investor@skyring.com.au.
