For someone aged 65 with average life expectancy a bond fund isn’t enough to ensure portfolio durability. Over that term the biggest risk is inflation risk and it’s harder for nominal bonds to keep pace with inflation. Inflation-linked bonds bring in high interest rate sensitivity (duration). Whilst higher yields now make for a more interesting entry point, there’s plenty of solid yield available in high quality low cost index bond funds.
But to navigate the changing outlook within the bond market a managed bond fund should also be considered as a one stop diversified managed bond portfolio. Most retirees will need a multi-asset retirement portfolio to last the course. Bonds alone are not enough. Read the quote in Trustnet  [5 min read, open as pdf]
 Henry Cobbe explores the challenges of building portfolios for retirement and also sizing "right" allocation to UK Equities.
Read the article / access the podcast Key findings, and what advisers and policy owners should do next
Watch the replay of this CISI-endorsed CPD webinar Elston Portfolio Management, the MPS provider which uses research, analytics and insights from Elston Consulting is now available to advisers using the Parmenion platform.
Read the full article here 
Find out more about the Elston Smart-Beta UK Dividend Index (ticker: ELSUKI)
For latest UK Equity Income index factsheet click here  Momentum does not care about sectors, themes, or valuations. In this article for ETF Stream, Hoshang Daroga explores the Momentum factor.
Whilst the original Fama & French research isolated 3 factors (Market risk (Beta), Size and Value) that were found to be persistent drivers of returns, research has since evolved to look at other factors such as Quality, Yield, Momentum and Minimum Volatility. Read in full |
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