Opening up retirement

Helping customers plan for better outcomes in retirement through accessibility to guaranteed and risk-managed products on-platform.

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SA1 Solutions Workplace Transparent OPT.

Better outcomes

Purpose-made retirement products such as Smooth Managed Funds and Guaranteed Income can give customers a better financial outcome in retirement, through mitigation of market fluctuations, sequencing risk and longevity.

Creating more certain outcomes can also improve comfort levels for customers in retirement, by giving peace of mind that savings will not be impacted by more extreme highs and lows of investing.

Solving this product gap gives end customers a better chance of achieving their retirement goals - in a more comfortable and predictable way - without the administrative burden of managing money off-platform.

Main products supported

Smooth managed funds

Combines an investment portfolio with a smoothing overlay or steady growth rate that reduces day-to-day volatility. This allows customers to participate in market growth without the anxiety of daily market fluctuations, and reduces sequencing risk from regular income withdrawals.

Guaranteed income

Provides regular income for a fixed term or until death, to cover essential income needs that individuals cannot afford to put at risk. Additional features such as death benefits and inflation protection can be included for added peace of mind, and with payments made into the pension wrapper.

Individualised protection

Provides a risk-management overlay to an existing portfolio of investments, in order to give a defined level of capital or income protection to customers. Formal protection can be added to the rebalancing strategy, to give a higher certainty of cover in the event of extreme market downturns.

Q-Hub services

Core capabilities and services provided to platforms and product manufacturers:

Integration to manufacturers of guaranteed and risk-managed products

Operational management of bespoke pricing calculations and rebalancing algorithms

Centralised distribution of bulk aggregation products across FNZ-powered platforms

Digital user interfaces to assist with education, selection and reporting

Risk management and actuarial reporting, integrated to provider systems

Trade order management with aggregation of individual client orders

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M&G partners with FNZ

The partnership means that the PruFund range will become available later this year on FNZ-powered platforms, allowing M&G to expand its distribution reach onto third-party platforms for the first time.

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