Promote financial longevity for your clients and manage their risk of running out of money in retirement.
A retirement income strategy, rooted in financial engineering
Why Real Spend?
One of the biggest concerns for retirees has always been, “Will my retirement nest egg last long enough to support my lifestyle?” Real Spend was designed with this concern in mind.
Retirement planning — solving for the major risks in retirement
What differentiates Real Spend?
Real Spend aims to remove common behavioral investing mistakes while balancing asset preservation and growth, all in a liquid investment account that is designed to provide flexibility and peace of mind.
Distribute income to meet needs
With a multi-year spending reserve of liquid assets to support current needs and fulfill short-term goals
Automatically replenish withdrawals
With an investment portfolio constructed of not just fixed income, but also equities, to generate inflation-adjusted returns
Help preserve your client's wealth
With Risk Assist®, a systematic risk management strategy that seeks to protect the portfolio from large losses
HOW REAL SPEND WORKS
Retirement portfolio construction, modernized
Real Spend divides the assets of a retiree’s nest egg into two buckets.
Investment portion
- Tilts toward equities rather than fixed income
- Focused on driving growth above inflation
- Aims to protect against loss with risk mitigation
- Replenishes spending reserve with captured gains
Spending reserve
- Allocates up to three years' spending
- Aims to enable consistent spending over time
- Advisor helps schedule regular distributions
Overcoming retirement challenges
Real Spend is engineered and managed to consistently support desired distributions for as long as investors need.
The longer people live, the longer their money has to last too. At Horizon Investments, we believe the best distribution strategy should strive to solve for today’s retirement income roadblocks, like:
- Lower-for-longer interest rates
- Longevity of spending
- Liquidity
- Market risk
