AF Retirement Navigator

Saving for retirement is like embarking on a challenging ride – there are ups and downs, twists and turns, the emotional seesaw that comes with investing. Imagine tackling that journey on a full-suspension bike. It absorbs the bumps, making your ride smoother, faster, and more enjoyable without compromising on distance or performance.
Our AF Retirement Navigator portfolio works the same way. It smoothens the investment journey, providing a more comfortable experience while still aiming to enhance retirement outcomes. Best of all, this added comfort doesn’t come with excessive costs.

Long-term growth. Short-term protection. Better outcomes.

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How it works

Together, we developed an investment portfolio that applies a framework for reducing the effect of ups and downs over short periods on underlying investment returns. If the underlying investment value falls quickly, the portfolio will cushion the impact to some extent. And if the value of the underlying investments rises sharply, the investment returns may be less.

Product provider

Alexforbes Investments manages the underlying investment portfolio, Performer, that creates the investment experience and has the desired growth over long periods. Performer is a market-leading portfolio and has a well-established performance history.

Insurance

Momentum Metropolitan Life Limited declares and distributes adjusted investment returns every month to policyholders using a transparent, defined process.

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In expressing and delivering value AF Retirement Navigator tracks two values:

Portfolio funding level = market value divided by book value

Book value

Shows what is owed to policyholders in the fund account, managed by Momentum. This value shows how the policyholders’ values are performing.

Book value = net investments made on behalf of policyholders plus (or minus) the adjusted investment return declared by Momentum.

Market value

Shows the value of underlying investments, managed by us. This value shows how the investments are performing in the market.

Market value = net investments made on behalf of policyholders plus (or minus) the actual investment return earned in the market.

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https://www.youtube.com/watch?v=E3oBvYeDeHo

Looking at two examples to see how this portfolio could offer protection

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How the portfolio compares with other investment types

Alexforbes offers no investment guarantee and associated charges. Investors benefit from reduced ups and downs from one month to the next at a lower cost relative to traditional funds.

Market-linked

Investment returns: Linked to market performance

Guarantee and associated costs:

• No guarantee

• No associated costs

• Least expensive

AF Retirement Navigator

Investment returns: Reduced ups and downs in investment returns

Guarantee and associated costs:

• No guarantee but some adjustment to investment returns

• No associated costs but a cost is payable for adjusting investment returns

• Slightly more expensive

Traditional smooth bonus funds

Investment returns: Reduced ups and downs in investment returns

Guarantee and associated costs:

• With a guarantee

• Associated costs for the guarantee

• Most expensive

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With Alexforbes, no matter your investment destination, you’re in the right place.

Every investment is personal, filled with purpose and expectation. We appreciate your trust and confidence in our investment approach. We are committed to delivering the best possible investment outcomes for you and are always here to discuss any questions or concerns you may have.

Download a brochure

Download AF Retirement Navigator monthly fund factsheet

Download Performer monthly fund factsheet

Benefits

  • Competitive costing and no capital charges. This matters when considering the impact that costs have over the duration of the investment journey on the underlying market value returns or the money invested.
  • Better governance and oversight through its strategic partnership with leading insurance provider, Momentum, and independent multi-manager, Alexander Forbes Investments. This means many of the conflicts of interest typically associated with guaranteed funds are managed.
  • A smooth investment experience over shorter periods without the need for expensive guarantees.
  • Better expected long-term growth given its higher allocation to growth assets.
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