For years, retirees have faced a tough choice, the flexibility of an Account-Based Pension (ABP) or the security of a lifetime annuity.
Now, Setch Group brings you the best of both worlds.
Through the Government’s Innovative Retirement Income Streams (IRIS) initiative, Setch Group helps Australians retire with confidence, stability, and freedom from the fear of completely running out.
We integrate this powerful retirement solution into your personalised strategy to deliver what matters most:
1. Income for Life:
With Setch Group’s IRIS strategies, you will receive a market-linked income for life, giving you lasting confidence that your money won’t run out completely. Your income adjusts each year based on your account balance and investment performance, providing both lifetime security and flexibility. There is a maximum payment limit but no minimum, allowing your retirement income to adapt while ensuring your capital does not run out.
2. Greater Flexibility:
Unlike traditional annuities, IRIS solutions available through Setch giveyou access to a wide range of investment options. Our experts work with you to customise yourportfolio, ensuring the balance of security, flexibility, and growth potential.
3. Optimised Age Pension:
This is where Setch Group’s expertise makes a real difference. IRIS products offer unique Centrelink concessions that can significantly boost your Age Pension amount, when starting to receive the Aged Pension (after 67 years old) and overall retirement income.
With Setch Group guiding your strategy, you can take full advantage of these rules to maximise your Age Pension entitlements and stretch your income further. For some people it can make a significant difference to lifestyle in retirement.
The Setch Group “Retirement Boost” Strategy
Start Early. Grow Smarter. Retire Better.
The earlier you start, the greater your advantage. Setch Group’s Retirement Boost Strategy is designed to help you capture the full benefits of Innovative Retirement Income Streams (IRIS), long before you retire. By starting early, your investments have more time to grow, compound, and build powerful Centrelink concessions that can significantly enhance your future Age Pension and lifetime income. With every year you delay, that opportunity reduces, so taking action now means more income, more flexibility, and more financial confidence in retirement.
By starting early, your investments have more time to grow, compound, and build powerful Centrelink concessions that can significantly enhance your future Age Pension and lifetime income. With every year you delay, that opportunity reduces, so taking action now means more income, more flexibility, and more financial confidence in retirement.
How Setch Group Makes It Work for You
· Grow Your Super, Not Your Assessment: Setch structures your super so your Age Pension is calculated using a low, compounding “purchase amount,” excluding investment returns above the deeming rate.
· Create Non-Assessed Wealth: With Setch’s strategy, your investment growth above the deeming rate is shielded from the Age Pension asset test, allowing non-assessed wealth to grow overtime.
· Maximise Lifetime Income: Starting early with Setch Group compounds these benefits, leading to a higher Age Pension and greater lifetime income.
At Setch Group, we are not just advisers, we are partners in your future. We collaborate with Australia’s leading superannuation and investment platforms to offer truly innovative IRIS solutions tailored to your goals. Our mission is simple: To help you retire confidently, live comfortably, and make your money last a lifetime.
Don’t wait, the earlier you start, the greater your potential Age Pension boost. While it may seem unusual to start planning your retirement well before your retirement age, the benefits of doing so can be substantial. Further, the use of IRIS products near retirement can be substantial. Talk to Setch Group today and discover how our Retirement Boost Strategy and Innovative Retirement Income Stream expertise can help you secure and enhance your financial future.
