Keeping You Retired
There's a Smarter Way to Generate Retirement Income
Investing specifically for when you’re going to need the income:
You’re spending is not consistent, from month to month or decade to decade. Early retirees travel more and increase spending on hobbies, i.e. golf, tools, projects and volunteering. You might buy a car once every 5 years. Healthcare spending increases as we age. Why would you want a portfolio designed to generate a systematic income?
Layering market risk in graduating time horizons:
We typically set aside enough low-risk capital to meet supplemental income needs for the first 3 to 4 years of retirement. By accepting a lower return on these assets, it insulates the remainder with time. We use different strategies and investments for three more time horizons, to optimize market risk for each timeframe. The beauty is in practically eliminating short-term risks from your assets dedicated to seek long-term returns in global markets.
Looking beyond stocks, bond and mutual funds:
Integras Partners has access to institutional-style investments with low minimums. Professionals from the Wall Street investment banks that cater to sovereign funds, pensions and endowments have spun-off and come to our independent-advisor channel to raise capital at lower cost. They are building multi-billion dollar portfolios over several years, gradually deploying individual investments. Value is created in real estate sectors, private debt or equity by the gradual aggregation to the size of a publicly-traded company. Since we don’t charge commissions, our clients are getting very attractive current yields with a discount towards recovery of principal. These investments have periods of illiquidity, which are accounted for in our time-horizon designs (above).