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Through partnerships with industry-leading administration and production solutions providers, we offer a powerful solution: Personal Share Portfolios (PSPs). These can be inside pre-retirement (Regulation 28 compliant) products such as Retirement Annuities or Preservation Options, or in post-retirement products such as Living Annuities. The PSP allows you to enjoy the tax efficiency of these products, while also benefiting from direct share ownership and a tailored investment strategy.
Most retirement products limit you to pooled funds with generic allocations. With a PSP, you retain individual ownership of assets—investing in equities, ETFs, and other instruments handpicked to align with your goals.
You also avoid embedded layers of advice fees and platform costs often found in traditional RAs. We minimise advice fees, giving you more transparency and potentially lower overall costs.
A PSP is a bespoke investment account where you directly own individual shares and other listed instruments, managed professionally to suit your objectives.
Your PSP is wrapped within a retirement product. This allows you to benefit from tax advantages while owning a tailored, share-based investment portfolio.
Cratos Asset Management actively manages your portfolio based on a disciplined investment process.
Contributions to RAs are tax-deductible (up to certain limits), and investment growth is not subject to income, dividend, or capital gains tax inside the RA.
Yes. PSPs inside RAs and pre-retirement preservation options must comply with Regulation 28, and Cratos ensures that your portfolio meets these requirements. Living annuities are more flexible in terms of asset allocation.
Unlike pooled unit trusts, a PSP gives you direct ownership of the shares and full transparency and increased flexibility in terms of what you hold.
We seek to minimise your advice fees. You pay an investment management fee to Cratos and platform fees to the relevant product supplier.
Fees include a Cratos investment management fee (agreed upfront) and a standard administration fee/platform fee charged by the retirement product supplier. There are no upfront fees.
Portfolios are managed on a discretionary basis by Cratos, but always with your investment objectives and preferences in mind.
Minimum investment levels may apply, but Retirement Annuities typically accommodate both lump sums and recurring monthly contributions.
Yes. We can assist you in transferring an existing retirement product into a PSP-managed solution, subject to provider and compliance checks.
At retirement, you can convert your RA or Preservation Option to a living annuity and continue with a PSP-managed structure, retaining control and continuity.
Yes. We periodically review your portfolio and align it with your changing circumstances and goals.
Assets are custodied by industry-leading partners, offering institutional-grade security and oversight.
No. While it’s ideal for those seeking tailored investment management, it’s accessible to a wide range of investors.
You receive transparent reporting and can view your holdings and performance through an online portal.
Regulation 28 limits how much you can invest in certain asset classes (like equities or offshore) within retirement products. It ensures diversification and risk management in line with retirement goals.
We are the discretionary investment manager responsible for constructing and managing your PSP in alignment with your objectives and applicable regulations.
We offer a high-touch, transparent service where your portfolio is managed by the people you can actually speak to. No call centres. No layers of bureaucracy.
Simply reach out to our team. We’ll assess your suitability, assist with onboarding, and ensure a seamless transition into this powerful structure.
Your future deserves careful planning and smart investing. With the right RA solution, you can enjoy tax benefits today while building wealth for tomorrow. Let Cratos Asset Management guide you — secure your retirement with confidence.