MyRI

 MyRI is an intelligent, personalised online retirement-income planning environment that enables a retiree, individually or with a financial adviser, to test, compare, monitor and manage retirement income strategies over time. Incorporating over 67 years of real multi-sector investment and inflation data it supports trustees or planners by providing a disciplined framework for assessing whether a retiree’s account-based pension, Age Pension interaction, drawdown level, investment settings and any retirement product overlay can deliver a sustainable CPI-linked income pathway over 30 years or more. 

 MyRI allows the retiree to assess the likely success of their chosen investment and drawdown strategy against investment risk, sequencing risk, inflation risk and longevity risk by testing how well it would have performed using the long-run empirical investment and inflation data. It dynamically incorporates Age Pension outcomes, additional drawdowns, lump-sum needs and retirement product alternatives, so the retiree can see the impact in actual dollars rather than relying on generic projections, rules of thumb or product illustrations. 

ABCD IQ operates within MyRI. It uses a rules-based asset-liability management strategy to optimise the level and duration of CPI- indexed drawdowns. 

 ABCD IQ uses this strategy to manage sequencing, investment, inflation and longevity risks. It maintains liquid and stable capital, uses growth assets to support long-term sustainable income, and applies defined rules for responding to adverse events and restoring reserves after recovery.

 ABCD IQ provides an empirically proven, practical, robust, methodology that successfully manages sequencing risk events, and can be demonstrated across 67 years of multi-sector investment and inflation data in Australia, UK and US with 100% historical success rates. 

The retiree retains full access to the account balance at all times. The solution supports the Retirement Income Covenant objectives by seeking to maximise sustainable retirement income, manage key retirement risks and preserve flexible access to capital.