Investment Income CPD Course 

How to use multi-asset portfolios for income generation

  • To understand why people are seeking income-generating portfolio.
  • To be able to explain what a safe withdrawal rate is.
  • To understand the tax and performance implications of focusing solely on income.
CPD
Approx.60min
How to use multi-asset portfolios for income generation

Introduction

The hunt for income has been well-documented, as has the growth and use of multi-asset portfolios.

But what happens when advisers put the two together with the aim of providing a diversified portfolio of income-generating stocks?

How should such portfolios be created to help investors both accumulate and decumulate, without falling foul of correlation or sequencing risks?

This guide, which qualifies for an indicative 60 minutes' worth of CPD, will cover the importance of diversification, getting the risk strategy right, the types of income strategy within a portfolio and how to create a sustainable multi-asset fund for accumulation and decumulation.

Contributors of content to this guide: Tim Morris, IFA for Russell & Co Financial Advisers; Patrick Norwood, insight analyst for Defaqto; Bob Szechenyi, investment director for Rathbones; Joe Roxborough, chartered financial planner for Ascot Lloyd; Stephen Crewe, director of Fulcrum Asset Management; Abraham Okusanya, director of FinalytiQ; Aviva Investors; the Department of Economics and Related Studies at the University of York. 

Simoney Kyriakou is content plus editor for FTAdviser

In this guide

CPD
Approx.60min

Please answer the six multiple choice questions below in order to bank your CPD. Multiple attempts are available until all questions are correctly answered.

  1. How does Mr Morris describe the need to have diversification within an income-generating portfolio?

  2. Which of the following is not listed by Rathbones as one of the things keeping them awake in 2018?

  3. What is the key to managing and mitigating risks, according to Mr Szechenyi?

  4. How does Mr Roxborough advocate talking to clients about risk?

  5. What positive effect will derivatives have when the assets fail to produce enough income, according to Mr Norwood?

  6. Mr Okusanya warns that what is exacerbated by portfolio withdrawals?

Nearly There…

You have successfully answered all the questions correctly, well done!

You should now know…

  • To understand why people are seeking income-generating portfolio.
  • To be able to explain what a safe withdrawal rate is.
  • To understand the tax and performance implications of focusing solely on income.

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