
Aspect |
Income-Oriented Benchmark |
Growth-Oriented Benchmark |
Hybrid Benchmark |
Primary Goal |
Stable income generation |
Capital appreciation |
Balance income and growth |
Risk Level |
Low to moderate |
Moderate to high |
Moderate |
Suitable For |
Seniors needing predictable income |
Seniors with higher risk tolerance |
Seniors seeking income and inflation protection |
Examples |
Dividend indices, bond indices, balanced income benchmarks |
Equity indices, balanced equity-bond indices, hybrid mutual fund benchmarks |
50% income, 50% growth allocation |
Pros |
Predictable cash flow, lower volatility, easy tracking |
Higher wealth accumulation, inflation protection |
Combines income stability with growth potential |
Cons |
Limited growth, sensitive to interest rates |
Market volatility, capital erosion, unsuitable for sole income |
Requires rebalancing, monitoring, and diversified management |
Review Frequency |
At least annually or during major life events |
At least annually or during major life events |
At least annually or during major life events |
Industry Trends |
Customized retirement benchmarks, ESG focus, dynamic tools |
ESG focus, personalized growth benchmarks |
Personalized hybrid benchmarks, flexible allocation |
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