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Retired? Do you want to use your investment to provide regular income?

At First Mortgage Trust you can set up your investment so it can provide you with a regular top-up paid straight into your bank account. Without compromising the interest rate you’re receiving.

Your money, your way.

That is the vision for our “Managing Your Cash in Retirement” facility, after many of our clients told us this was the service they wanted to support their lifestyle and comfort in retirement.

For some clients, it was about getting the consistent returns that First Mortgage Trust provided, but also having smaller regular amounts drawn down from their investment and moved into their spending account so that they could top up their superannuation and maintain the lifestyle they had pre-retirement. The ‘investment plus income’ service was a common theme from our clients, making it a solution that we were determined to provide.


“Close and enduring relationships with investors has been key to our success, so when they told us they wanted this win/win outcome, it was up to us to create a facility that worked for them,”

Paul Bendall, CEO


The “Managing Your Cash in Retirement” service allows clients to receive payments from their initial investment providing them with a monthly top up. Your arrangements can be reviewed at any time and at no cost, meaning the facility can respond to your changing circumstances in real time.

To help investors assess their options, we have a handy calculator that lets you explore the service more fully, and it’s an easy and interactive way to consider a range of ‘what if’ scenarios based on your personal savings and lifestyle requirements.

Click here to learn more about the Managing your cash in retirement facility.

Client feedback

"People want consistent returns from their investments, but they don’t want their money locked away and out of reach should they need regular top-ups to help meet their living expenses or if they want to make larger withdrawals for big ticket items."

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              Which type of fund is right for me?

              Complete this questionnaire to see what type of fund might be the most tax effective for your circumstances. Please note, this is just a guide and we recommend you seek professional tax advice.

              Are you investing as an individual or trust?
              Other investor types should seek professional tax advice.


              Is your tax return completed by a tax adviser or accountant?

              Can you reasonably estimate your own annual income?

              What is your total income from all sources (including PIE income)?

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              Do you distribute all annual income to beneficiaries?

              Do all Trusts beneficiaries earn more than $48K from all sources (including PIE income)?

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              Disclaimer – This tool is intended to provide general guidance only. This tool does not take into account your particular financial situation, objectives or goals.

              There are alternative strategies which may provide better outcomes, we recommend you seek independent advice before making any investment decision. If you have completed this guide and wish to discuss this, we recommend you seek professional tax advice.