Invest Link

Invest Link focuses on building investment portfolios which allow clients to meet their income needs in retirement. Using the highest quality international research, the very best fund managers selected from both New Zealand and Australia, diversified in every manner and robustly constructed to withstand market conditions, portfolios are tailored to meet each clients personal income needs. By constructing portfolios using the very best techniques from international research companies, your portfolio returns can be accurately estimated meaning 'no surprises' when drawing portfolio income.

All portfolio decisions are made jointly between you and us. Those decisions may include what holdings should be in your portfolio, how much emergency cash needs to be retained on call, how much income needs to be credited to your bank account and how often you need this income (monthly, quarterly or annually).

Your income needs are likely to change over time or you may need cash in an emergency so the portfolio we design for you must be flexible enough to allow your withdrawals to be changed at any time.

Retired Clients Income Requirements:

One of the most important decisions in retirement is the amount of income you need. Too little income and you constrain your cash flow and lifestyle, too much and you run the risk of running out of money too soon. Once your income needs are established, we'll construct a portfolio to meet those needs. You're able to:

draw an income less than the amount your portfolio earns, thus adding to your portfolios capital value over time
draw an income about equal to the amount your portfolio earns, thus maintaining the capital value of your portfolio
draw an income greater than the amount your portfolio earns, thus slowly drawing down your portfolios capital value over time


Clients Approaching Retirement - Income Requirements:

Assessing your approximate income needs in retirement as you approach retirement can be challenging. We can assist you to estimate that need then we'll construct a portfolio to meet those needs once your retired.

A disclosure statement for Stephen Oldfield is available on request and free of charge.