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Allianz Retire+ AGILE
Introducing ALLIANZ GUARANTEED INCOME FOR LIFE (AGILE), a new longevity solution to secure your clients’ retirement futures. With AGILE, advisers can offer peace of mind through accessing a guaranteed lifetime income.
AGILE, a guaranteed income for life product sits within a client’s account, and can be selected as an option within their portfolios.
AGILE is available to advisers and their clients on the HUB24 platform through HUB24 Invest & HUB24 Super. To access the online form in AdviserHUB, navigate to the Transact tab and go to Longevity Products where you can select the AGILE New Investment option.
How AGILE can help my clients?
Having an allocation to AGILE as part of your overall strategy provides a much-needed income anchor. But it’s not just about financial security; it’s also about choice and flexibility. AGILE comprises two key stages – the Growth Phase and the Lifetime Income Phase – which provides you with the confidence and flexibility to plan for, and thrive, in retirement.
Guaranteed lifetime income: commence your guaranteed lifetime income as soon as you’re ready1, with a choice of fixed or rising income payments.
Access Funds at Anytime: withdraw some or all of your remaining investment value when you need it.2
Protected growth: continue accumulating money for your retirement by selecting the protected Australian and/or global share index investment options.3
Lock-in income certainty: remove uncertainty by locking in a known lifetime income rate – with guaranteed annual increases every year you wait to start your income.
Death Benefit: the remaining investment value is paid out upon death.
Retirement Income Products Reframed
Allianz Retire+’s latest whitepaper outlines the changing demographic landscape and approach to retirement planning. Retiring means shifting your client’s mindset from saving and growing their nest egg to protecting their money and making sure they have enough income for the rest of their life. In this paper, Allianz Retire+ helps you understand the different options for regular income in retirement and how this can provide more certainty for your clients.
Challenger Lifetime Annuity (Liquid Lifetime)
Provide a regular income for your clients’ lifetime regardless of how long they live.
Challenger Guaranteed Annuity
Provide a guaranteed regular income for a fixed term that your clients choose, regardless of how investment markets perform with flexible capital return options at maturity.
Challenger CarePlus
A specialist investment designed to help people moving into residential aged care. It provides guaranteed regular income for life, with a lump sum payable to your clients’ beneficiaries or estate upon death.
BlackRock’s iRetire
Estimate retirement income in minutes with BlackRock’s iRetire® – exclusively available to HUB24 advisers.
BlackRock has partnered with HUB24 to launch iRetire on AdviserHUB. iRetire is BlackRock’s financial planning tool that can help advisers kickstart client conversations around retirement income in just a few clicks.
How Blackrock’s iRetire can help you and your clients
iRetire helps you see the relationship between your clients’ savings and the number that really matters – their yearly retirement income.
With just a few clicks, manage your client’s retirement journey by illustrating trade-offs between their needs, preference for risk, retirement date, savings and spending.
iRetire gives you access to BlackRock Model Portfolios through seamless integration with HUB24. Giving you greater flexibility to customise your client’s investment choices.
Access iRetire now through AdviserHUB, under the ‘Products & Forms’ tab and select ‘BlackRock iRetire’.
More products and solutions
Support your clients in meeting their retirement objectives with choice and flexibility available through HUB24 Super.
Support your clients in meeting their retirement objectives with choice and flexibility available through HUB24 Super.
Choose insurance options from leading insurance providers designed to meet a range of objectives.
Choose insurance options from leading insurance providers designed to meet a range of objectives.
Drive efficiency in your business and add value for your clients with our market-leading managed portfolios.
Drive efficiency in your business and add value for your clients with our market-leading managed portfolios.
Let’s talk about how our market-leading platform can help you.^
Submit your details and one of our team will be in touch.
^HUB24 was rated Best Platform Overall, Best Managed Account Functionality, Best in Online Business Management, Best in Reporting and Best Mobile Platform in the 2023 Investment Trends Platform Competitive Analysis and Benchmarking Report.
Important information about Allianz Guaranteed Income for Life (AGILE)
1Subject to an initial three-year waiting period after commencing your AGILE investment. Lifetime income payments will automatically commence when you reach 100 years of age.
2Withdrawals made in the first 10 years may be subject to a Market Value Adjustment. Withdrawals may also reduce your lifetime income payments if they have started.
3Each protected investment option allows you to benefit from equity market growth up to a Maximum Return applicable to that option, while eliminating or reducing losses resulting from market falls.
This product is issued by Allianz Australia Life Insurance Limited, ABN 27 076 033 782, AFSL 296559 (Allianz Retire+). Allianz Retire+ is a registered business name of Allianz Australia Life Insurance Limited.
This information is current as at 13 November 2023 unless otherwise specified and is for general information purposes only. It is not comprehensive or intended to give financial product advice. Any advice provided in this material does not take into account your objectives, financial situation or needs. Before acting on anything contained in this material, you should speak to your financial adviser and consider the appropriateness of the information received, having regard to your objectives, financial situation and needs.
No person should rely on the content of this material or act on the basis of anything stated in this material. Allianz Retire+ and its related entities, agents or employees do not accept any liability for any loss arising whether directly or indirectly from any use of this material.
Past performance is not a reliable indicator of future performance.
Use of the word ‘guarantee’ in this material refers to an assurance that certain conditions or contractual promises will be fulfilled by Allianz Retire+ from the available assets of its Statutory Fund No 2, in relation to the product terms. This includes ‘guaranteed’ income payments in the Lifetime Income Phase which will be paid from the available assets of Statutory Fund No 2, noting that Allianz Retire+ may terminate the product in certain limited circumstances as outlined in the Product Disclosure Statement referred below.
Prior to making an investment decision, investors should consider the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD) which are available on www.allianzretireplus.com.au.
HUB24 Custodial Services Ltd is the operator of HUB24 Invest (an investor directed portfolio service), promoter and service provider of HUB24 Super which is a regulated superannuation fund. The trustee and issuer of interests in HUB24 Super is HTFS Nominees Pty Limited ABN 78 000 880 553, AFSL 232 500, RSE Licence No. L0003216. No entity within the HUB24 group nor HTFS Nominees guarantees any payments under AGILE, and they are not responsible for the performance of any Allianz Retire+ product, or any other product or service promoted or supplied by Allianz. © HUB24
PIMCO provides investment management and other support services to Allianz Retire+ but is not responsible for the performance of any Allianz Retire+ product, or any other product or service promoted or supplied by Allianz. Use of the POWERED BY PIMCO trade mark, or any other use of the PIMCO name, is not a recommendation of any particular security, strategy or investment product.
Important information about Challenger
The Challenger annuities referred to on this website are issued by Challenger Life Company Limited (ABN 44 072 486 938, AFSL 234670) (Challenger Life). Before a client makes a decision about whether to acquire or dispose of an annuity they should consider their individual circumstances and objectives and read the relevant product disclosure statement available at: https://www.challenger.com.au. HUB24 is making Challenger annuities available through its platform. HUB24 makes no recommendation and is not providing any opinion as to the suitability of Challenger annuities for any particular client.
Annuity payments
Any reference to a guaranteed annuity payment in connection with annuities issued by Challenger Life is a reference to the contractual obligations of Challenger Life under the terms of the applicable annuity to make those payments. Challenger Life’s obligations refer to, and are limited to, the annuities and payment guarantees provided by Challenger Life from its Statutory Fund No. 2. Challenger Life is a life company registered under the Life Insurance Act 1995 (Cth) and is regulated by APRA. The annuities Challenger Life issues are referrable to its Statutory Fund No. 2 (Statutory Fund) which it is required to maintain under the Life Insurance Act. The Statutory Fund generally contains a range of investments that may include bank bills, debt investments, convertible notes, shares, geared and ungeared property investments, infrastructure investments and other assets. The underlying investment objectives of the Statutory Fund include:
- achieving consistent returns from investments that ensure that the guaranteed rate of return offered to annuitants is earned; and
- matching the liability cash flows with cash flows receivable from the underlying assets.
Both the Statutory Fund and Challenger Life are subject to prudential supervision by APRA. APRA’s prudential standards on capital adequacy require Challenger Life to provide levels of support in relation to its annuity liabilities through capital adequacy standards. These capital adequacy standards are broadly designed to ensure that there are sufficient assets in the Statutory Fund to meet annuity liabilities even in adverse market conditions. Challenger Life generally maintains a surplus above its required statutory minimum.
Important information about BlackRock’s iRetire
Issued by BlackRock Investment Management (Australia) Limited ABN 13 006 165 975, AFSL 230 523
This material provides general information only and does not take into account your individual objectives, financial situation, needs or circumstances. Before making any investment decision, you should assess whether the material is appropriate for you and obtain financial advice tailored to you having regard to your individual objectives, financial situation, needs and circumstances. Refer to BIMAL’s Financial Services Guide on its website for more information. This material is not a financial product recommendation or an offer or solicitation with respect to the purchase or sale of any financial product in any jurisdiction.
This material is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation. BIMAL is a part of the global BlackRock Group which comprises of financial product issuers and investment managers around the world. BIMAL is the issuer of financial products and acts as an investment manager in Australia.
BIMAL, its officers, employees and agents believe that the information in this material and the sources on which it is based (which may be sourced from third parties) are correct as at the date of publication. While every care has been taken in the preparation of this material, no warranty of accuracy or reliability is given and no responsibility for the information is accepted by BIMAL, its officers, employees or agents. Except where contrary to law, BIMAL excludes all liability for this information.
Any investment is subject to investment risk, including delays on the payment of withdrawal proceeds and the loss of income or the principal invested. While any forecasts, estimates and opinions in this material are made on a reasonable basis, actual future results and operations may differ materially from the forecasts, estimates and opinions set out in this material. No guarantee as to the repayment of capital or the performance of any product or rate of return referred to in this material is made by BIMAL or any entity in the BlackRock group of companies.
No part of this material may be reproduced or distributed in any manner without the prior written permission of BIMAL.
© 2021 BlackRock, Inc. All Rights reserved. BLACKROCK, BLACKROCK SOLUTIONS, iSHARES and the stylised i logo are registered and unregistered trademarks of BlackRock, Inc. or its subsidiaries in the United States and elsewhere. All other trademarks are those of their respective owners.