Intelligent Retirement Solutions
Our Purpose is to provide superannuation fund trustees and financial advisors with ready-to-go retirement solutions based around the simple, intelligent use of account-based pensions to deliver sustainable retiree income, while strongly supporting all facets of the Retirement Covenant. At the same time, Innovative Retirement Income Solutions (IRIS) offered by the superannuation fund can be assessed alongside the account-based pension, and incorporated as appropriate. 

Our Vision
A retirement system where retirees come first: straightforward fund choices and solutions that strongly support savings lasting lifetimes, reduce reliance on the Age Pension, and make confident decisions the norm.

Our Retiree-First Values
• Outcomes Driven: Every investment decision is judged by its impact on retiree retirement income.
• Simple: Retirement income management that is easy to understand.
• Lifetime Resilience: Support for retirees which strongly addresses sequencing, longevity, inflation and investment risks
• Independence & Dignity: Support for retirees which promotes independence, but which also dynamically allows for support from the age pension .
• Teach While Serving: Plain-English education embedded in every retiree interaction.
• Evidence-Led & Disciplined: Prudent risk management, transparent methods, fair fees.
• Legacy Mindset: Consider bequests and family goals alongside income needs.
• Trust & Accountability: Clear reporting, retiree safeguards, and fiduciary care.

CipherIQ

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CipherIQ

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