As you get closer to retirement age, many investors feel the need to take a closer look at their investment portfolios to ensure they have enough of a nestegg to retire comfortably.
BetaShares understands the importance of investing for retirement and, whatever your time frame, we have a range of Funds which aim to help retirees and future retirees meet their investment goals.
Manage portfolio risk
While volatile markets can rattle even the most seasoned investor, such volatility can be particularly detrimental for an investor needing to rely on their portfolio to fund lifestyle needs in the short-term.
BetaShares understands that investors approaching retirement may not have the time to ‘ride out the storm’ and recover from market losses, and so we have developed our Managed Risk series of Funds. The Managed Risk series aims to defend against market losses whilst still aiming to provide exposure to the growth and income potential of Australian or international shares.
Learn more about the BetaShares Managed Risk Series.
Seek to maximise income and franking credits
For investors in pre-retirement and retirement mode, franking credits are particularly valuable, and can often boost income from Australian shares. With that mind, BetaShares Australian Dividend Harvester Fund (managed fund) (ASX: HVST), has been designed specifically to seek to maximise the income (including franking credits) available from large-cap Australian shares, making it an interesting opportunity for retirement portfolios.
Diversify your investments
Spreading your investments across a range of asset classes is a proven way to reduce risk in your portfolio. Maintaining an adequate level of diversity helps protect portfolios should certain asset classes be more affected than others from market declines.
BetaShares’ range of Funds cover all the major asset classes, including:
- Australian Shares
- International Shares
Look for some capital appreciation over the long-term
For those investors who are earlier in their investment journey but are thinking about the future now, one of the most important things to consider for your future investment portfolio is capital appreciation. Over long periods, many studies have proven the value of investing in shares for generating wealth.
BetaShares has a range of Funds that invest in a portfolio of shares and, in doing so, aim to produce capital appreciation over the long-term. Example share exposures provided by BetaShares include:
- Broad Australian or U.S ETFs
- International sector specific ETFs in high growth potential industries such as global agriculture, global cybersecurity, global healthcare
- International country and regional Funds with currency-hedging
Deciding to spend the time to research and look more into your retirement portfolio is often the most important step towards improving your future wellbeing. Search and compare our full list of Funds to find the option that best meets your retirement investment goals.