In the low interest rate world we are in, SMSF investors at or near retirement are facing some real challenges, and their portfolio performance is getting really stressed.
Those investors then take steps up the risk curve to try and compensate. And that exposes them to things like sequencing risk, which can be really harmful for their portfolio performance.
Instead of crystallising their losses, investors should eye peer-to-peer investments, or invest in loans that suit their risk return duration needs. That puts them in the driver seat.
