Lifetime offers joint investments for couples, and with it comes peace of mind. When one partner passes away, the surviving partner will not see a drop in income payments if they are invested jointly, unlike NZ Super. They also do not have to wait for probate to clear. Their income will continue as normal. 

Investing as a couple does not cost more, you have the same management fee of 1.35% per annum. This fee includes the Annual Retirement Income Review. 

Joint investors must be in a relationship (i.e. de facto, civil union, marriage or a relationship determined by Lifetime to be similar in nature to those relationships). The Annuity Factor for joint investors will be based on the person with the longest life expectancy.