Invest with Lifetime to get an income for living.

Spending in retirement is different to saving for retirement!

Lifetime Retirement Income Fund

Your retirement is a new adventure

It's the reason you started saving all those years ago. But now that you're finally here, how do you make your savings last as long as you do?

Lifetime Retirement Income can help you turn your savings into a fortnightly income designed to last for the rest of your life.

This leaves you free to get out there and enjoy living.

Why Lifetime

Lifetime Retirement Income Fund

Benefits of Lifetime

Why choose Lifetime?

Our income solutions complement a diversified investment plan, taking care of your regular retirement income requirements.

A Regular Fortnightly Income

We pay you an income each fortnight, the same week as NZ Super, so you can continue paying the bills. This has no effect on your NZ Super Payment.

Spend with Confidence

We calculate an annual income level that means you can confidently draw an income from your retirement savings that is likely to last your lifetime.

Quick, Easy Access to Your Money

Your money is always your money. You can withdraw part or all of your account balance whenever you choose.

No withdrawal penalties charged.

Choice and Flexibility

You have the flexibility to change your annual income levels from one year to the next in response to personal circumstances.

Account Balance Returned to Estate

We ensure your account balance goes to your estate, when you pass away.

Income is Tax-Paid

Your income payments are tax-paid and fee-paid. As this is a portfolio investment entity (PIE), it means that tax is paid at your own personal tax rate (PIR).

Offers Couples Peace of Mind

By investing as a couple it means that when one person passes away, the surviving partner does not need to worry about finance immediately, as their income payments will continue as normal.


Lifetime Retirement Income Calculator

What could your retirement income be?

See how much you could get using the Lifetime Retirement Income Calculator.

Calculate what your income could be in retirement

How does Lifetime Retirement Income work?

Your pay cheque's stopped but the bills haven't

So how do you turn a lump sum into an income that will last the rest of your life?

Receiving a reliable, tax paid, retirement income that's managed to last a lifetime should not be difficult or complicated. Lifetime helps by actively managing the key unknowns: your life expectancy and investment returns.

Step 1

When you invest with Lifetime, your retirement savings are invested in a Balanced Fund and each year Lifetime calculates an annual amount of Retirement Income you can withdraw using your personal annuity factor.

Step 2

The Lifetime Retirement Income Fund provides you with a market investment return which it combines with your retirement savings balance to support your regular, tax-paid, retirement income payments.

Step 3

Each year on your birthday Lifetime completes an Annual Retirement Income Review to check in on your account balance and life expectancy. This may result in your retirement income being adjusted to provide a higher prospect of your income lasting your lifetime.

That's it!

Spend your income however you like. You're free to withdraw your account balance at any time and this will be paid to your estate if you pass away.

Contact Us

Start your retirement income today

If you have any questions, please feel free to give us a call or send us an email.

Phone tel:0800 254 338