Accumulation
Decumulation
100%
2%
29%
8%
40%
4%
7%
1%
0%
10%
0%
4%
5%
7%
0%
5%
20%
3%
56%
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
2%
22%
10%
29%
10%
9%
1%
0%
17%
0%
4%
5%
7%
0%
5%
20%
3%
56%
1%
11%
8%
15%
8%
7%
10%
1%
40%
2%
17%
10%
22%
15%
9%
1%
0%
23%
2%
25%
9%
35%
7%
8%
1%
0%
14%
0%
4%
5%
7%
0%
5%
20%
3%
56%
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