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20 August 2025
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Australians are used to hearing dire warnings that they don't have enough saved for a comfortable retirement. Yet most people need to save a lot less than you might think — as long as they meet an important condition.
It’s well documented that many retirees draw down the minimum amount required and die with much of their super balances untouched. This explores the reasons why and some potential solutions to address the issue.
A big age gap can make it harder to find a solution that works for both partners – financially and otherwise. Having a frank conversation about the future, and having it as early as possible, is essential.
Rising prices have a big impact on retirement outcomes yet our most common gauge of inflation – the consumer price index – misses several important household costs for retirees.
Retirement can last more than 30 years, necessitating thoughtful planning. Many miss workplace friendships, identity, status, expertise, and routine, but these can be replaced with renewed activities and purpose.
Debates about retirement tend to focus on the financial aspects: income, tax, estates, wills, and the like. Less attention is paid to the psychological challenges of retirement, which can often be more demanding.
Retirees are facing financial challenges including dealing with inflation, handling volatile markets, and getting appropriate advice. Building a retirement plan that can withstand these challenges is key for 2024 and beyond.
Regulators have accused superannuation funds of largely ignoring a new obligation to help members prepare for comfortable retirement. There are reasons for the slow progress, though clearly more can be done.
Many people will transition into retirement earlier than expected and while anxious at first, once people enter retirement and settle into a new rhythm, there is a more relaxed acceptance of their circumstances.
A new survey suggests Australians have changed their thinking on when, and how, they might retire. After the turmoil of Covid, Australia stands out in the global survey with 34% indicating a different retirement outlook.
Our new study suggests most older Australians are not actively planning for the final chapters of their working life. And the runway to retirement is shorter than expected – most of us don’t work for as long as we intend to.
A survey of 1,500 Australians over the age of 50 on the factors driving retirement happiness found surprising results. Six key building blocks are identified that should be vital elements of any retirement plan.
Each generation believes its economic challenges were uniquely tough - but what does the data say? A closer look reveals a more nuanced, complex story behind the generational hardship debate.
Treasurer Jim Chalmers aims to tackle tax reform but faces challenges. Previous reviews struggled due to political sensitivities, highlighting the need for comprehensive and politically feasible change.
The Labor government is talking up tax reform to lift Australia’s ailing economic growth. Before any changes are made, it’s important to know who pays tax, who owns assets, and how much people have in their super for retirement.
This goes through the different options including shares, property and business ownership and declares a winner, as well as outlining the mindset needed to earn enough to never have to work again.
Everyone has a theory as to why housing in Australia is so expensive. There are a lot of different factors at play, from skewed migration patterns to banking trends and housing's status as a national obsession.
China's steel production, equivalent to building one Sydney Harbour Bridge every 10 minutes, has driven Australia's economic growth. With China's slowdown, what does this mean for Australia's economy and investments?