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Future Cash Flow Range

Select how you would like to invest

Helping provide more certainty around retirement cash flow

For investors approaching, or already in retirement, the first goal is to have a consistent stream of money which supports needs and goals. The Future Cash Flow range is designed and managed to better enable investors in retirement to orderly drawdown on their capital. The Funds deliver known monthly cash flows, adjusted for inflation, until all income and capital is returned to investors.

The Range comprises three individual managed Funds and each provides a different level of cash flow. The Funds can be used standalone or in conjunction with one another or with other funds to deliver a desired cash flow profile.

 

"Assets will be managed in a way that targets a certain range of time for the cash flows to last, allowing investors to better plan their retirement. This provides a sense of comfort that their assets are being managed for a goal."
Darren Beesley, Senior Portfolio Manager

Funds built with these goals in mind

Greater certainty on cash flow

Future Cash Flow 6 Fund, Series 1

Future Cash Flow 9 Fund, Series 1

Future Cash Flow 12 Fund, Series 1

* Until all income and capital is returned to investors

Tailored cash flow amounts

The Future Cash Flow Funds can be used separately or together, as building blocks, to provide more certain cash flow in retirement. 

For example, Future Cash Flow Fund 6 may be used to meet everyday expenses or Future Cash Flow 12 Fund could be used to maximise lifestyles in retirement. Alternatively they can be used together.

Maximising how long cash flow lasts

The Funds invest in a diversified portfolio of growth and defensive assets and the portfolio manager also has the flexibility to adopt risk management strategies, bespoke to each Fund, to prolong the life of the Funds and the number of cash flows.

Daily liquidity

These Funds allow daily liquidity which provides flexibility and peace of mind to deal any emergency that may arise.

How does this fund fit into your portfolio

The fund may be suitable for those who:

  • Are close to retirement and are seeking known monthly cash flows
  • Like to be able to plan and budget in retirement to meet lifestyle expenses and goals
  • Would like the ability to access their investment in retirement to fund life’s emergencies

What are the risks?

Risks specific to the Future Cash Flow Range may include or be associated with:

  • the indicative range and estimate of the life of the Fund are not guaranteed – if investment markets move in an adverse manner that has not been reflected in our modelling and assumptions, this may result in an unanticipated decline in the value of the Fund. A reduction in the value of the Fund may result in a shortening of the life of the Fund.
  • investment approach does not guarantee delivery of the objective of the Fund – the future performance of investment markets is unpredictable and can change unexpectedly. The investment approach is not a methodology that can guarantee the delivery of the objective of the Fund, but rather it provides an investment framework for the management of the Fund.
  • risk management strategies do not guarantee delivery of the objective of the Fund – the Fund utilises asset allocation risk management strategies through diversification and the allocation to more defensive assets in certain market environments. However, there is no guarantee that these risk management strategies will preserve the capital value of the Fund in the manner anticipated.
  • asset allocation – the Fund’s asset allocation strategy does not guarantee positive investment performance at all stages of the investment cycle.
  • credit – including the risk that a credit issuer or counterparty defaults on interest payments, the repayment of capital or both.
  • interest rates – including the risk of capital loss in a rising interest rate environment.
  • international investments – including losses related to currency exchange rates, hedging, and changes in the state of the Australian and world economies.
  • legal, regulatory and foreign investments – any change in taxation, corporate or other relevant laws, regulations or rules may adversely affect your investment.
  • liquidity – assets subject to liquidity risk may be difficult to trade and it may take longer for their full value to be realised, and in circumstances where the Fund’s portfolio ceases to be ‘liquid’ for Corporations Act purposes, there may be significant delays or a freeze on withdrawal requests.
  • securities lending – although engaging in securities lending may benefit the Fund by providing increased returns, there is a risk of capital loss.
  • share market investments – the value of the Fund’s investment in listed securities may decrease as a result of adverse share market movements.

Fund facts

Distribution frequency Monthly
Minimum investment A$ 0 - On-platform Class A
Risk level (1 - 7) 4. Medium
Distribution frequency Monthly
Minimum investment A$ 0 - On-platform Class A
Risk level (1 - 7) 4. Medium
Distribution frequency Monthly
Minimum investment A$ 0 - On-platform Class A
Risk level (1 - 7) 4. Medium

The Fund's risk level is based on the estimated number of negative annual returns for the Fund over any 20 year period and is not a complete assessment of the risks of investing in the Fund. For instance it does not detail what the size of a negative return could be or the potential for a positive return to be less than an investor may require to meet their objectives. Consequently, before choosing to invest or reinvest in the Fund, you should read the Fund's PDS and incorporated information and consider factors such as the likely investment return, the risks of investing and your investment time frame. Information about the methodology used for calculating the risk level is available here.

How to invest

2
Available platform: MyNorth

Contact MyNorth for details on how to invest.

How to invest

2
Available platform: MyNorth

Contact MyNorth for details on how to invest.

How to invest

2
Available platform: MyNorth

Contact MyNorth for details on how to invest.

AMP Capital Funds Management Limited (ABN 15 159 557 721, AFSL 426455) (AMPCFM) is the responsible entity of the AMP Capital Future Cash Flow Fund 6, Series 1, AMP Capital Future Cash Flow Fund 9, Series 1 and the AMP Capital Future Cash Flow Fund 12, Series 1 (‘Funds’) and the issuer of the units in the Funds. To invest in this Funds, investors will need to obtain the current Product Disclosure Statements (PDS) available from AMP Capital Investors Limited (ABN 59 001 777 591, AFSL 232 497) (AMP Capital). The PDS contains important information about investing in the Funds and it is important that investors read the PDS before making a decision about whether to acquire, or continue to hold or dispose of units in the Funds. None of AMP Capital, AMPCFM, nor any other company in the AMP Group guarantees the repayment of capital or the performance of any product or any particular rate of return referred to in this document. While every care has been taken in the preparation of this document, AMP Capital makes no representation or warranty as to the accuracy or completeness of any statement in it including without limitation, any forecasts.

Issuer and responsible entity: AMP Capital Funds Management Limited ABN 15 159 557 721, AFSL 426455. AMP Capital Funds Management Ltd is a member of the AMP Group which includes AMP Capital Investors Limited ABN 59 001 777 591, ASFL 232497 ("AMP Capital", "we" or "us").

About the PDS:

You will find the following offer documents for this fund:

  • PDS
  • Incorporated information (the information incorporated by reference in the PDS, and which forms part of the PDS)

Before making a decision about investing or reinvesting, you should read both documents. These documents can also be obtained by contacting us on 1800 188 013.