In a world of negative yielding debt and low income, pension needs become difficult to meet. Investors are required to take higher risk to satisfy yield requirements, and this has associated drawdown risks. However, this can mean initial capital is run down over the retirement period.
In decumulation portfolios, investors redeem units of capital to fund their retirement requirements. Through the use of diversifiers and uncorrelated assets, EPIC’s portfolios are better able to match retirement duration whilst preserving capital and minimising drawdown.
Our aim was to create a decumulation portfolio that is truly fit for purpose for the whole advisory market. Built from the ground up in partnership with Dynamic Planner using their market leading risk-based system, the result is a portfolio that uses uncorrelated funds, rather than complex derivatives, to better match retirement duration whilst achieving the joint requirements of capital preservation and minimising drawdown.
View webinar from May 2022 in which EPIC talk about their decumulation solutions