Accumulation

Decumulation

100%

Cash 

Government bonds

Alternative and Active Credit

Investment Grade Corporate Bonds 

Private Markets 

Listed Alternatives 

Factor-based Equity

Active Equity 

Index Equity

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

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0%

0%

0%

0%

15%

0%

18%

10%

57%

0%

0%

0%

0%

15%

0%

18%

10%

57%

0%

1%

1%

1%

8%

1%

18%

10%

60%

1%

10%

7%

13%

7%

6%

9%

5%

42%

2%

18%

11%

24%

13%

10%

0%

0%

22%

2%

22%

10%

29%

10%

9%

0%

0%

18%

2%

26%

9%

35%

7%

8%

0%

0%

15%

2%

29%

8%

40%

4%

7%

0%

0%

11%

2%

29%

8%

40%

4%

7%

0%

0%

11%