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Retirement Risk

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What financial risks do retirees face?

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.

Dealing with retirement anxiety

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.

The runway to retirement is shorter than expected

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.

Three retirement risks and how to navigate them

More than 20% of Australians believe they won’t achieve their desired retirement standard of living. Three risks facing those who are nearing, or in, retirement are outlined here - and several ways to mitigate these risks.

Retirement planning is not only about the money

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.

Four key wealth drivers affecting long-term investment goals

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.

Risk in retirement: five strategies for finding the right balance

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.

Principles and rules to guide retirement strategies

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

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?

The challenge of completing our retirement income system

The Government should fix the problems in the pension phase that are leaving gaps for vulnerable groups. Unless these problems are resolved, 9.5% will not deliver adequate retirement incomes.

7-point checklist for managing the uncertain timing of death

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.

Managing uncertainty in retirement

The way retirement risks and outcomes are visualised and communicated needs to move from simplistic assumptions on returns to calculating a range of outcomes and probabilities to better represent the real world.

Most viewed in recent weeks

Which generation had it toughest?

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. 

Maybe it’s time to consider taxing the family home

Australia could unlock smarter investment and greater equity by reforming housing tax concessions. Rethinking exemptions on the family home could benefit most Australians, especially renters and owners of modest homes.

100 Aussies: seven charts on who earns, pays, and owns

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.

The best way to get rich and retire early

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.

A perfect storm for housing affordability in Australia

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.

Chinese steel - building a Sydney Harbour Bridge every 10 minutes

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?

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