Nobody knows quite what the future holds. Changing life plans and priorities will mean your clients encounter varying income needs and goals throughout their lives and when investing, certain innate behavioural traits will influence their decision-making.
Schroders incomeIQ is a knowledge centre with guides, tips and tools to help you address these issues with your clients and encourage them to make more informed decisions to meet their income needs effectively. We have developed the incomeIQ test which will reveal your clients’ behavioural biases and provide useful tips to empower them to make better investment decisions.
Help your clients become empowered investors today and find out how Schroders incomeIQ can support you to achieve their income goals.
What would your clients like to achieve in life, both personally and financially? Do they fully understand their own income needs, both now and in the future? Guide them using the resources below to help answer these questions and develop their income plan.
Planning your clients’ income needs isn’t all about the numbers – it will take into account their current circumstances as well as establishing a realistic view of how they want to live in the future. There are a number of points in someone’s life when income-producing investments might come in handy; whether to pay for school or university fees, a lifestyle change such as setting up your own business, or as supplemental income to earnings when approaching or throughout retirement.
Making use of income investing requires a thorough and honest understanding of what your client wants to achieve, both personally and financially, and the level of risk they are prepared to take.
This section identifies four broad life stages with commonly associated income needs and goals, as well as attitudes to risk which you can use to advise your clients.
Your investment income may provide you and your family with the means to fund life-changing milestones for the future. Your long-term investment goal is wealth maintenance and growth, but you have shorter-term objectives, like the cost of school or university fees for your children.Select this profile Profile selected
You are looking for a lifestyle change, maybe as you approach retirement. Your investments can supplement income, so you can spend less time working, or fulfil a long-term dream like starting your own business or embarking on the trip of a lifetime.Select this profile Profile selected
You’ve recently reached retirement and intend to use the money you’ve accumulated to generate a regular income. The opportunity for investment growth is still important to you as you enter your retirement.Select this profile Profile selected
Schroders is well positioned to help you deliver your clients’ income goals through our range of income solutions across equities, fixed income and multi-asset. For more detailed information on our funds, including price, performance and fund literature, simply click on the relevant tab or contact us here.
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