Accumulation

Decumulation

100%

2%

29%

8%

40%

4%

7%

1%

0%

10%

Cash 

Government bonds

Alternative and Active Credit

Investment Grade Corporate Bonds 

Private Markets 

Listed Alternatives 

Factor-based Equity

Active Equity 

Index Equity

80%

60%

Approaching Retirement

Stage 2

Retirement

Stage 3

40%

Growth

Stage 1  

20%

0%

- 45

- 40

- 35

- 30

- 25

- 20

- 15

- 10

- 5

0

+5

+10

+15

+20

Year before retirement

Year into retirement

Select a year circle above to view more detail figures below

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- 45

- 40

- 35

- 30

- 25

- 20

- 15

- 10

- 5

0

+10

+5

+15

+20

Accumulation

Year before retirement

Year into retirement

Decumulation

Stage 1  

Growth

Stage 2

Approaching Retirement

Stage 3

Retirement

0%

20%

40%

60%

80%

100%

Select a year circle above to view more detail figures below

0%

4%

5%

7%

0%

5%

20%

3%

56%

2%

29%

8%

40%

4%

7%

1%

0%

10%

2%

25%

9%

35%

7%

8%

1%

0%

14%

2%

22%

10%

29%

10%

9%

1%

0%

17%

2%

17%

10%

22%

15%

9%

1%

0%

23%

1%

11%

8%

15%

8%

7%

10%

1%

40%

0%

4%

5%

7%

0%

5%

20%

3%

56%

0%

4%

5%

7%

0%

5%

20%

3%

56%

2%

29%

8%

40%

4%

7%

1%

0%

10%

Cash