A STRUCTURED APPROACH TO RETIREMENT INCOME
Built for Retirement The Sarasin Approach
Retirement should be about enjoying life, not worrying about market ups and downs. Drawing a reliable income from investments, known as decumulation, comes with real risks.
For over 30 years, Sarasin & Partners has been designing
and managing decumulation strategies for charities
– organisations that, like retirees, depend on steady, sustainable income from long-term capital. We bring that same proven approach to our work with private clients and their financial adviser.
Two Distinct Strategies for Sustainable Retirement Income
Our retirement income strategies are built around a balanced investment profile, with a focus on delivering income and preserving capital in a disciplined, sustainable way.
Working together with financial advisers, we offer two clear strategies to support retirement income:
Strategy One
Natural Income
This approach draws only the income (dividends and interest) generated by portfolios, leaving capital invested for growth and inflation protection.
Key Features:
- Target yield: 3%-4% p.a.
- Focus on high-quality dividend-paying equities and income-generating bonds.
- Capital remains largely untouched, helping preserve wealth.
Why Choose It:
- Provides sustainable income.
- Reduces the risk of depleting capital too early.
- Income may grow over time with rising dividends.
Financial advisers should be mindful of risk factors that may be relevant depending on client-specific circumstances and prevailing market conditions.
VIEW FACTSHEET
Strategy 2
Structured Decumulation
This strategy is designed to provide a steady income by combining three separate “pots” with different time horizons, balancing liquidity, preservation, and growth:
Short-Term Assets (Cash Reserve):
2 years of income held in cash for immediate needs and market protection.
Medium-Term Assets (Bonds & Real Assets):
Managed for capital preservation and steady replenishment of cash reserves.
Long-Term Assets (Equities):
Income-generating equities to drive portfolio growth and sustain income.
Financial advisers should be mindful of risk factors that may be relevant depending on client-specific circumstances and prevailing market conditions.
VIEW FACTSHEETDownload the Retirement Income Solutions brochure
Meet your managers
Risk Ratings
Both Retirement Income Strategies are Risk Rated 5 (Balanced) and Income Drawdown Rated from Defaqto, and carry a Defaqto DFM MPS (Platform) 5 Star Rating.
The strategies are also rated 4 (Medium) on the Oxford Risk framework.
These independent ratings provide advisers with confidence when assessing suitability for clients who require disciplined, income-focused solutions in retirement.
