The most common product for a retirement income stream in super is an account-based pension. How does it work, and what are the alternatives?
- Senior Lecturer, Finance and Financial Planning, Griffith University
A growing number of Australians are self-managing their superannuation. A new report suggests some may be getting advice that’s not in their best interest.
The average cost of personalised financial advice is way above what most Australians are willing to pay. Could new options to access advice through super reach those left behind?
Principles could centre on helping members manage their money in retirement, ensuring fairness across the system, and requiring funds to maintain an active duty of care to members.
As with any major financial decision, you need to understand how the renovation fits with your broader life goals. Why do you want to do it?
Depending on circumstances, it may be time to re-think the bias to paying down housing debt over wealth accumulation in super. At least to do the sums, so you can make an informed choice.
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