REDESIGNING RETIREMENT - Innovative CIPR solutions
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Optimum Pensions

Optimum Pensions (Optimum) has developed and tested an innovative lifetime income stream solution, the Real Lifetime Pension, that may be delivered by Funds to their members to comprehensively address Australians' longevity risk while providing higher performance than other solutions such as the current lifetime annuities in the market.

The Longevity Problem

Australians are some of the longest-living people in the world, but unfortunately longevity risk is currently not being managed well in retirement. 'Longevity protection' for increased security of lifestyle and peace of mind is required.

A Better Lifetime

The Optimum Pensions 'Real Lifetime Pension' has been designed to provide longevity protection and a higher income with the added benefit of greater flexibility than conventional annuities.

A great CIPR Solution

The Real Lifetime Pension enables Funds to offer a CIPR or lifetime income stream with lower costs, and lower fees as it leverages the Fund's existing investment management, administration and additional service providers.

With longevity risk underwritten by the world’s 3rd largest reinsurer – Hannover Re – the white labelled Real Lifetime Pension from Optimum Pensions enables funds to provide a great CIPR solution.