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19 October 2025
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The harsh reality is that most women retire with significantly less superannuation than men. There are many reasons for the gender super gap and here are some possible solutions to fix the long-running issue.
In traditional economics, utility theory assumed that investors work off probability-weighted outcomes. Prospect theory can better explain actual investor behaviour and is a better tool for designing retirement plans.
Loss aversion means some people avoid annuities because a premature death may lead to a loss of capital, but lifetime annuities with death benefits aim to address this problem.
A common concern for superannuants is how changes to the super system will affect their retirement outcomes. In reality, the proposed changes won’t affect the majority, but poor investment choices will.
Financial risk aversion defines our attitudes to taking financial risk. Your style of risk aversion could be relative or absolute or a bit of both. It's good to recognise your own tendencies for the benefit of your portfolio.
Financial risk aversion is usually measured via a questionnaire compiled by an adviser, which provides a one-dimensional numerical measure. But this does not cover all there is to learn about a client's aversion to risk.
We may already know how risk averse we are when it comes to investing, but how much of this is affected by ambiguity aversion. A better understanding of financial products could improve the investment choices we make.
LICs are continuing to struggle with large discounts and frustrated investors are wondering whether it’s worth holding onto them. This explains why the next 6-12 months will be make or break for many LICs.
Younger Australians think they’ll need $100k a year in retirement - nearly double what current retirees spend. Expectations are rising fast, but are they realistic or just another case of lifestyle inflation?
Retirement can be daunting for Australians facing financial uncertainty. Understand your goals, longevity challenges, inflation impacts, market risks, and components of retirement income with these crucial charts.
Five mega trends point to risks of a more inflation prone and lower growth environment. This, along with rich market valuations, should constrain medium term superannuation returns to around 5% per annum.
With rising home prices and falling affordability, political leaders preach reform. But asset disclosures show many are heavily invested in property - raising doubts about whose interests housing policy really protects.
Whether for yourself or a family member, it’s never too early to start thinking about aged care. This looks at the best ways to plan ahead, as well as the changes coming to aged care from November 1 this year.