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The five critical Gamma financial planning areas
by Madeleine Coetzee - Tuesday, 30 July 2013, 12:05 PM


In an article published by FPI this month, the  five financial planning areas referred to as Gamma are examined and how the use of a CFP® professional can add value to the ever important financial planning strategy. This article refers to the paper written by David Blanchett and Paul Kaplan of Morningstar titled "Alpha, Beta, and Now... Gamma". Their paper looked past Alpha and Beta at different financial planning considerations that can affect retirement income.

 The five Gamma areas are:

  1. A total wealth framework to determine optimal asset allocation
  2. A dynamic withdrawal strategy
  3. Incorporation guaranteed income products
  4. Tax efficient decisions
  5. Liability-relative asset allocation optimisation

The article clearly illustrates that making intelligent financial decisions will enhance the income generated in retirement. The critical role of a specialised professional financial planner is highlighted that guides an investor through these financial decisions.

 Read the full article


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