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Home / Funding Retirement

Funding Retirement

1-12 out of 46 results.

Four key wealth drivers affecting long-term investment goals

Geoff Warren
2 June 2021
3

Wealth accumulation has four main drivers. Evaluating long-term investment risk requires shifting the focus on shorter-term losses and volatility towards failure to achieve long-term objectives.

Budget makes home equity loan more attractive to seniors

Katja Hanewald, Katie Sun, Hazel Bateman
26 May 2021
7

The Pension Loans Scheme has generated little interest but Budget improvements may change that, including the introduction of lump-sum payments. It is also available to non-pensioners but the rate remains too high.

In fact, most people have no super when they die

Ross Clare
14 April 2021
33

Contrary to the popular belief supported by the 'fact base' of the Retirement Income Review, four in every five Australians aged 60 and over have no super in the period up to four years before their death.

How long will my retirement savings last?

Jon Kalkman
7 April 2021
19

Many self-funded retirees will outlive their savings as most men and women now aged 65 will survive at least another 20 years. Compare your spending with how much you earn to see how long your money will last.

Ralston on accessing equity in the family home

Deborah Ralston
31 March 2021
17

A member of the Retirement Income Review explains the focus on home equity. For homeowners at retirement, homes represent three to four times as much wealth as superannuation, but the average age at which mortgages are paid out has increased from 52 to 62.

Risk in retirement: five strategies for finding the right balance

Richard Dinham
31 March 2021
7

There is a spectrum of retirement investment strategies ranging from ‘business as usual’ to more complex ‘income layering’. They allow for varying degrees of personalisation in managing retirement risks.

How decumulation in retirement differs from accumulation

Richard Dinham
17 February 2021
7

As savers move from accumulation to decumulation, their views on risk will change. Retirees must take measured investment risk by balancing desired returns and protecting capital.

Principles and rules to guide retirement strategies

Geoff Warren
17 February 2021
5

Managing a portfolio in retirement requires a plan for investing assets and drawing income. This research suggests ‘optimal’ drawdown and investment strategies with differing objectives, preferences and circumstances.

Guess what? It may actually be different this time

Christine Benz
10 February 2021
6

Retirees or those close to retirement are courting risk by standing pat with too-aggressive portfolios. In a volatile market, tune out the pundits and take a look in the mirror. Are you happy with your exposure?

A close look at retiree fears and expectations

Richard Dinham
3 February 2021
18

Half of Australians retire early due to unexpected circumstances and within timeframes they did not choose, and two-thirds of pre-retirees worry about funding their retirement. But neither are the greatest fear in retirement.

Apparently, retirees should learn to SKI

Jon Kalkman
2 December 2020
33

The Retirement Income Review demonstrated limited understanding of the risks faced by self-funded retirees implementing rational human behaviour. Spending to qualify for the age pension is not a solution.

7-point checklist for managing the uncertain timing of death

Aaron Minney
2 December 2020
7

Average life expectancies are a weak predictor of individual outcomes, and it's better to consider a range of probable lifespans. A plan that lasts to the average will disappoint every second retiree.

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