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28 May 2026
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Investors have historically balked at exchanging a lump sum for a future steam of income. Breaking down the financial and emotional considerations of purchasing an annuity.
Lately, there's been a push by Government for lifetime income streams as a solution to retirement income challenges. We run the numbers on these products to see whether they deliver on what they promise.
Treasury's consultation into the retirement phase of superannuation is generating a lot of interest. This submission to the consultation outlines the key financial risks to an individual’s standard of living in retirement.
Amid falling markets, it’s natural for retirement savers to feel depressed, not just about the present but also about future prospects. Here are some strategies to cope with this downturn, and possibly the next one.
If we knew we'd live to 100, we’d pace ourselves differently. Instead of 'learn-earn-burn' where the young study, the middle-aged work, and the old volunteer or rest, life’s path would have on-ramps and off-ramps.
We become more different from each other over time. Our own remaining time frame is unique. By just focusing on ‘community’ longevity, we lose sight of how different we are and how differently we respond.
Super funds will soon be required to offer retirement income strategies for members in decumulation. With uncertain returns, uncertain timelines, and different goals, it's possibly “the hardest, nastiest problem in finance".
Don Ezra's article on retirement spending was highly popular, and here he responds to some of the many comments. As he says, no plan will ever work out perfectly, but the work in the plan will help you to adapt.
A feature of life expectancy is that over half the people of a certain age will live longer than their life expectancy. Retirees using these estimates may run out of money, but there are benefits of pooling.
Retirees require a reliable income stream to replace the wages they received when they were working and should focus on the dollar income generated over time rather than the headline yield percentage.
What happens when a superannuation expert sets up his own retirement portfolio using decades of knowledge? He finds he can afford much more investment risk in his portfolio than conventional thinking suggests.
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.
A proposal to address Australia's 'stranded balances' in retirement by requiring super funds to transition members to pension phase at 65, boosting retirement income and reframing super as a source of income.
Here is a checklist of 28 important issues you should address before June 30 to ensure your SMSF or other super fund is in order and that you are making the most of the strategies available.
Marketed as a fix for inequality and housing affordability, the latest budget instead delivers a tangle of tax changes that leave everyday Australians worse off.
The debate over the budget is increasingly shaped by frustration and perceptions of unfairness, rather than clear-eyed assessment of policy outcomes.
A retirement researcher's take on retirement and her focus on each of her six resource buckets to stay engaged during the transition and beyond.
Australia may not levy formal death duties, but a growing web of tax measures is quietly shaping what wealth passes between generations. Now, the 2026 budget adds another layer.