One common way to create retirement income is to construct a portfolio of stock and index funds (or work with a financial adviser who does this). The portfolio is designed to achieve a respectable long-term rate of return, and along the way, you follow a prescribed set of withdrawal rate rules that will typically allow you to take out 5% from the profit a month, and in some years, increase your withdrawal for inflation.

The concept behind “total return” is that you are targeting a short period of 1 to 5-year average annual return with monthly strategic withdrawal that meets or exceeds your withdrawal rate. Although you are targeting a long-term average, using monthly compounding strategy in any one year your returns will deviate from that average higher compared to any other fixed deposit or mutual fund investment. To follow this type of investment approach, you must maintain a diversified allocation regardless of the year-to-year ups and downs of the portfolio.

You take withdrawals using what is called a systematic withdrawal plan. Be cautious of how you project your potential results—when regular withdrawals are coming out in retirement the sequence of market returns can affect your outcome.

There are many variations to a total return investment strategy such as time segmentation and asset-liability matching, where safe investments are used to meet near-term cash flow needs, and growth-oriented investments are used to fund future cash flow needs.

The total return approach is best used by experienced investors, those who enjoy managing their money and have a history of making logical, disciplined decisions, or by hiring an advisor who uses this approach. When done right, a total return portfolio is one of the best retirement investments you can make.

Enjoy the benefits of saving for your aspirations for the future. LOB helps you prepare to enjoy some of life’s most anticipated moments through the following benefits:

Guaranteed lump sum maturity benefit

Doubles up as a long-term savings and investment tool that potentially gives you higher returns

Funds are managed by professional fund managers from our partner bank, LOB, one of the country’s largest financial institutions through the Trust and Investments Group

Maturity date option of 5 years

Additional protection options called Riders to fit your needs:

Waiver of Maturity Due to Disability

Payor’s Death Benefit


EUR 25,000 minimum placement

Available in 12 months, 24 months and 36 months

Withholding Tax coverage by the brokerage

Depositors are given contract to confirm their deposit

View Retirement profit table
View statement of account sample

Disclaimer: This site contains only general information about the products & services and does not represent a contract. For a detailed description of the terms, conditions & exclusions, please refer to the official policy of United Capital Retirement Investment.

Access Live Market Now

We Accept :