Retirement investing
Create certainty through your investments and make your money work for you during retirement.
Why invest during retirement? /
Many individuals worry about maintaining a reliable income throughout their retirement. Reduce the uncertainty and ensure your money lasts with a strategic approach to retirement investing.
A recent survey by National Senior Australia found that 60% of participants approaching or in retirement felt concerned about their financial future. Many worry about maintaining a reliable income, accessing cash for unexpected expenses, managing health issues, fulfilling travel desires and navigating the unpredictability of longer life spans. Diversifying your retirement income streams and ensuring a regular and predictable income will help to manage any potential risks and unexpected costs that may arise throughout your retirement. Our cash and credit funds provide a robust solution to retirement investing. They are designed to mitigate risk and help your money go the distance, providing peace of mind and security during retirement.
Retirement investment options
Choose from a range of cash and credit funds designed to provide investors with a consistent and predictable source of income throughout retirement.
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01 At Call Account – Cash Management Fund5.35 %*p.a. return (after fees). *Returns are not guaranteed.
A low-risk investment account backed by AA investment grade assets that makes investing your savings a breeze.
Key Features:
- $1,000 minimum investment
- Unlimited withdrawals
- 24/7 access to your money
- Interest paid daily
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02 6 Month Account – Cash Management Fundup to 6.50 %*p.a. Current 6 month variable term rate (after fees). *Returns are not guaranteed.
Invest your money for 6 months in a high interest, stable investment account.
Key Features:
- Interest paid monthly or maturity
- Competitive interest rates
- 6 month investment period
- Low minimum investment
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03 12 Month Account – Cash Management Fundup to 8.25 %*p.a. Current 12 month variable term rate (after fees). *Returns are not guaranteed.
Invest your money for 12 months in a high interest, stable investment account.
Key Features:
- Interest paid monthly or maturity
- Competitive interest rates
- Short investment period
- Low minimum investment
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04 Investment Grade Credit Fund8.59 %*p.a. Annualised return p.a (after fees). *Past perfomance is not an indicator of future performance.
An open-ended, low-risk credit fund designed to provide investors with access to a diversified pool of investment-grade Australian credit assets
Key Features:
- Monthly interest payments
- Suits lower-risk investors
- Low minium investment
- Easy access to your money
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05 Private Credit Income Fund12.28 %*p.a. Since inception (after fees). *Past perfomance is not an indicator of future performance.
A medium risk, high yield private credit fund. Suitable for wholesale and retail investors who are seeking a high rate of return and regular access to their money.
Key Features:
- Monthly interest payments
- Medium risk, high yield investment approach
- Easy access to your money
- Low minimum investment
Benefits of investing for retirement
01Low to no capital volatility
Our Cash Management Fund (RCMF) and Investment Grade Credit fund (RIGCF) are backed by a conservative investment strategy, primarily using Investment Grade Credit to minimise the risk of losing your original capital.
02Low fees
We keep costs low, so you get more out of your retirement. We don’t charge you to open or close your account and there are no transaction or withdrawal fees.
03Consistent and predictable income
During retirement, a reliable income stream is crucial. Our cash and credit funds1 are designed to provide predictable and consistent daily/monthly income, allowing you to maintain your lifestyle without the stress of market volatility.
04Choose your level of return
Whilst maximising income is our primary goal, our funds aim to deliver long-term growth through attractive risk-adjusted returns. Choose the fund and risk profile that best suits you from our range of income-generating funds.
05Flexible access to your cash
Unexpected expenses can arise in retirement, whether it be a medical emergency or a once-in-a-lifetime travel opportunity. Our cash and credit funds allow you to access your money when you need it most without sacrificing the stability of your portfolio. Gain access in as little as 2 business days in our At Call account or as long as monthly in our Investment Grade credit Fund. If you don’t need to access a portion of the cash, we also have options to lock away for a term of 6 or 12 months, allowing you to earn a higher return.
06SMSF friendly
If you have a self-managed super fund, you can easily invest in our cash and credit funds as a cost-efficient and convenient way to generate a regular monthly or quarterly income.
07Simple account management
Easily track your investments and monitor your income through our online portal or user-friendly app. Keep updated on the performance of your portfolio, which will provide you with peace of mind and the ability to adjust your investment strategy when required. We give you the ability to manage your investments with ease, no matter where you are in the world.
08Protection against inflation
Safeguard your money against rising costs with cash and credit funds that are responsive to inflation. Our funds are designed to keep pace with inflation and outperform their benchmarks. Ensure your investments work for you and sustain your standard of living, even as costs rise over time.
Why retirees invest with Remara
Predictable income, risk-adjusted returns and peace of mind during your retirement years.
Built with retirees in mind
Whether at home or travelling abroad, view all your Remara investment funds in one place through the mobile app. Set up regular investment payments, view your statements and manage your accounts all from the convenience of your mobile.
Make your retirement even better
Speak with one of our investment team about taking advantage of our cash and credit funds as part of your retirement investing strategy. Or download an information pack to explore our funds in further detail.
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Download information packSpeak to our team
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This information is a general description of Remara only. Before acting on any information, you should consider the appropriateness of it having regard to your particular objectives, financial situation and needs and seek advice. No information set out above constitutes advice, an advertisement, an invitation, a confirmation, an offer or a solicitation, to buy or sell any security or other financial, credit or lending product or to engage in any investment activity, or an offer of any banking or financial service. Some products and/or services mentioned on this website may not be suitable for you and may not be available in all jurisdictions. All securities and financial products or instrument transactions involve risks. Past performance of any product described on this site is not a reliable indication of future performance.