Financial advisers today face what is perhaps their most significant challenge yet: helping clients to move from inertia to activity in planning for the transfer of their wealth - while ensuring asset continuity within the advisory practice when the ... Read more

Typical Australian 60/40 balanced portfolios experienced losses of 20% or more at the nadir of the crisis, destroying retirement income expectations, especially for those who succumbed to poor investor behaviour and sold assets under duress. Read more

MLC commissioned IPSOS to prepare a three-part whitepaper to explore the challenge of how to get more Australians to think about their retirement. More than 2000 Australians participated in the research, which aims to provide a look at attitudes and ... Read more

In light of this year's Federal budget announcements regarding asset test changes, clients who are currently registered for the Pension Bonus Scheme (PBS) should consider applying for their bonus (where eligible) sooner rather than later in case ... Read more

Back in 2010, Martin Currie started to look at how the ageing population was changing the retirement environment in Australia, and how people moving into retirement were actually going to fund their retirement. Read more

Part two of this paper provides an overview of each country's approach to longevity risk in the context of the retirement income. It addresses differences more than common themes in social security, taxation, pension savings and retirement income ... Read more

Part one of this paper concentrates on longevity risk in the context of the retirement income system in Australia, the United Kingdom (UK) and the United States (US). While there are differences in the social security, taxation, pension savings and ... Read more

Retirees often ask their adviser if it is a good idea to lock in retirement income in a low interest rate environment. There is often a sense that "rates will have to rise" so clients assume that it makes sense to wait. To help in these discussions ... Read more

Within the world of retirement income planning, there are two opposing schools of thought: probability-based and safety-first. Understanding the distinctions and thought processes of both schools is important as in getting the best outcomes. Read more

Australia's superannuation system is a curious hybrid. It starts from the premise that people do not accumulate enough savings during their working lives and so should be forced to save. It then turns around and gives the same people significant ... Read more