Darren Wickham is an actuary and Principal in Mercer's Retirement practice. In 2007, Darren was awarded the Institute's Melville prize for writing and developing this paper to the biennial actuarial convention.

One major aspect of the Age Pension system is its impact on retirement incomes generally, and the needs they are required to satisfy. We are told that our Three Pillars policy is the envy of many countries ... One ...

Retirement is a relatively new phenomenon. As a period of leisure it is even more novel. Increasing lifespans and low birth rates mean that retirement is becoming less affordable. Retirement now means ... Retirement ...