Retirement insights

Retirement income research

As retirement income specialists, we are committed to keeping you informed on the issues that can impact your financial success in retirement.
This section provides insights into the key issues around your retirement income, including planning for retirement and managing your finances once you are in retirement.

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Retirees should splash on themselves
Retirees who spend are good for the economy as well

04 May 21 - One of the observations of the recent Retirement Income Review (RIR) was that it would be good for retirees to save less and spend more in retirement.

Rates tables
How much money do super funds have in the pension phase?

26 Feb 21 - The latest APRA statistics to June 2020 show that super is delivering real scale to members in the pension phase.

Longevity the uncertainty and managing the risks
Longevity: the uncertainty and managing the risks

9 Nov 20 - A key to any plan is knowing the longevity of the plan. For retirement, the plan is often based on life expectancy.

Wealth no guarantee of a comfortable retirement
Wealth no guarantee of a comfortable retirement

29 Oct 20 - A new report about spending in retirement has found that being wealthy was not necessarily a guarantee of living a comfortable lifestyle.

Super past present future
Jeremy Cooper: Superannuation - past, present, future

6 Aug 20 - Listen to Challenger’s Jeremy Cooper discuss how he led the famous Cooper Review into superannuation.

Yin and Yang
Retirement income philosophies paper

1 May 20 - This research paper explores two opposing philosophies of retirement income planning; probability-based and safety-first. And, explains the distinctions and thought processes behind them.

Disclaimer
Retirement income: who worries and why

1 Jan 20 - The 2019 National Seniors Social Survey highlighted that two-thirds of retirees who have been retired five years expect to spend their savings over the next 20 years.

What does it mean to retire in the 21st century
What does it mean to retire in the 21st century

20 Nov 19 - Listen to Challenger's Jeremy Cooper discuss why pensions and a full-stop retirement are becoming things of the past.

Understanding life expectancies
Understanding life expectancies

23 Sep 19 - It is a fact of life nobody knows how long they will live. This research discusses life expectancy and how Australian seniors underestimate how long they’ll live.

Super is delivering for people about to retire
Super is delivering for people about to retire

25 Jun 19 - Whether the system is truly delivering for Australian retirees has become one of the most fiercely debated topics.

Australian seniors still worried by market volatility
Australian seniors still worried by market volatility

7 Dec 18 - The impact of the Global Financial Crisis (GFC) still lingers for Australian retirees, and as a result, they tend to be more conservative in their retirement income strategies.

Once bitten twice shy
Once bitten twice shy

1 Oct 18 - The 2018 National Seniors Social Survey highlighted that the global financial crisis (GFC) still lingers ten years on.

Spending patterns in retirement 2
Spending patterns in retirement

20 Apr 18 - This research paper explores how the spending pattern of retirees changes over times, highlighting a need to have income solutions that can meet different types of spending over time.

Retirement really is different
Retirement really is different

1 Apr 18 - Superannuation is doing the first part of its job, allowing Australians to accumulate assets for retirement. This paper explores the drawdown phase of super.

The retirement income challenge
The retirement income challenge

1 Feb 18 - Accumulating super is one issue, but ensuring Australians are able to spend their income optimally through retirement is another.

Savvy seniors informed and seeking advice
Savvy seniors informed and seeking advice

1 Oct 17 - More Australian seniors are aware of retirement risks and are seeking information about retirement finances from financial advisers.

Valuing income for life
Valuing income for life

1 Nov 16 - Not everyone is always clear on how to value a stream of payments that continue as long as you live.

Super wealth at a household level
Super wealth at a household level

1 Oct 16 - Our paper discusses a fresh approach to measuring super wealth and why we should be looking at a household level.

Retirement calculators are letting us down
Retirement calculators are letting us down

7 Mar 16 - Stock market gyrations highlight the volatility of investment returns. Yet online financial calculators treat market returns as if they were constant.