Accumulation
Decumulation
100%
0%
0%
0%
0%
15%
0%
18%
10%
57%
2%
29%
8%
40%
4%
7%
0%
0%
11%
2%
29%
8%
40%
4%
7%
0%
0%
11%
0%
0%
0%
0%
15%
0%
18%
10%
57%
Cash
Government bonds
Alternative and Active Credit
Investment Grade Corporate Bonds
Private Markets
Listed Alternatives
Factor-based Equity
Active Equity
Index Equity
1%
10%
7%
13%
7%
6%
9%
5%
42%
2%
26%
9%
35%
7%
8%
0%
0%
15%
2%
22%
10%
29%
10%
9%
0%
0%
18%
2%
18%
11%
24%
13%
10%
0%
0%
22%
0%
1%
1%
1%
8%
1%
18%
10%
60%
90%
80%
70%
60%
50%
Approaching Retirement
Stage 2
Retirement
Stage 3
40%
30%
Growth
Stage 1
20%
10%
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