What is the Lifetime Income Fund?

Our Lifetime Income Fund can turn your UK pension or other investment into a retirement income to last the rest of your life.

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You’ve spent your working life saving for retirement.
Your focus has been on accumulating as much as possible.
So what happens when you retire and the money starts flowing the other way?

Britannia’s Lifetime Income Fund combines investment with insurance to give you a retirement income for life. No matter what happens to interest rates or financial markets, your income will continue for the rest of your life, no matter how long you live.

Planning your retirement

Retirement Income

The retirement income gap*

Retirement Income

Lifetime Retirement Income

New Zealand Retirement Expenditure Guidelines

Research by Massey University shows that a gap exists between what people need or want in retirement and how much of that is funded by New Zealand Super.

Our Lifetime Income Fund is designed to help you bridge the gap between your fortnightly expenses and the money you get from New Zealand Super. This is shown in the diagram above.

When it comes to designing your retirement plan, it’s important to make sure you’ve got a regular income, as well as money set aside to pay for holidays, any emergencies, and other large expenditure items.

Our Lifetime Income Fund helps you fund your retirement needs with payments into your bank account every fortnight or every four weeks, for life.

If you’ve got a funding gap, talk to your financial adviser to investigate ways to bridge it.


Britannia’s Lifetime Income Fund


How does it work?


Case Studies


Lifetime Income Fund Calculator

Disclosure Statements for our Authorised Financial Advisers are available on request and free of charge. The Product Disclosure Statement for the Britannia Retirement Scheme is available from the scheme’s issuer, Britannia Financial Services Limited, here.

Need help in securing your financial future?
Call us 0800 28 28 33