Retiring in a volatile market isn’t easy, but panic isn’t a plan. Here are some strategies to consider.
Articles on Superannuation
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The Liberal Party’s idea of equality means treating everyone the same, rather than addressing structures loaded against women. It’s doing the party enormous damage.
Several options are available for meaningful tax reform, that would make Australia a fairer place for all generations. All it will take is some political courage.
Financial markets have reacted very badly to the upending of global trade. But that doesn’t mean you should panic.
Super funds may be missing a basic safeguard to protect retirement savings.
Non-executive directors are supposed to provide a company’s management with independent perspectives. Does the experience gained by letting them stay long-term outweigh the independence lost?
Our colossal pool of retirement savings has largely outgrown the investment opportunities available in Australia. Access to overseas markets will be crucial.
The regulator is worried that risks may be lurking in less transparent private markets.
Financial institutions are meant to have reliable payment systems in place. But more work needs to be done to ensure they do this.
Without a binding nomination, it’s up to a trustee to decide where your remaining super ends up when you die.
Research suggests having an income that is guaranteed to last until death can reduce stress and boost retirees’ spending.
Emperor Augustus’ scheme for retired soldiers paid a decent sum after 25 years, so retirement age could be as young as 42 while they were still strong and healthy.
Unpaid caring roles, lack of workplace flexibility and so-called female jobs contribute to women retiring with less money than men.
Financial advice will always be more useful to those who can use super to minimise tax, but even households with small balances should seek guidance.
Retirement is not just an event, it’s a process of transition that can have a huge impact psychologically, not just professionally.
Between 2002 and 2018, some groups actually increased their wealth on certain measures. For young people and middle Australians, however, it’s a more sobering picture.
As more Australians enter retirement with a mortgage, decisions about the family home become crucial. What are your options?
Australians have been told for decades that they’re not saving enough for retirement. But the vast majority of retirees today and in future are likely to be financially comfortable.
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.
Top contributors
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Professorial Fellow, University of Canberra
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Program Director, Housing and Economic Security, Grattan Institute
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Adjunct Professor, Curtin Law School and Curtin Business School, Curtin University
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Professiorial Fellow, The University of Melbourne
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Visiting Fellow, Crawford School of Public Policy, Australian National University
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Professor and Head of the Department of Banking and Finance, Monash University
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Lecturer in Accounting, The University of Queensland
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Vice Chancellor's Fellow at Victoria University and Adjunct Professor of Economics, Victoria University
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Professorial fellow, Monash University
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Emeritus Professor of Finance, The University of Melbourne
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Senior Lecturer, Finance and Financial Planning, Griffith University
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Chief executive officer, Grattan Institute
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Professor of Economics and Director, Tax and Transfer Policy Institute, Crawford School of Public Policy, Australian National University
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Associate Professor in the UNSW Business School, UNSW
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Associate Professor, College of Business and Economics, Australian National University