The sad fact about most retirement savings predictions is how woefully out of touch they are with reality. There’s a reason for this. Firstly the people offering these projections are generally not living in retirement. Most are still working, earning more...

Running out of money - But does it really happen? They say the secret to a happy life is to only worry about the things within our control. This is an even more interesting concept when applied to funding your retirement. What can you control? And what is...

When lack of confidence costs you money When it comes to retirement income, there is no better way to learn what retirees want and need than to ask them directly. And this is exactly what Retirement Essentials did in a recent survey designed to better...

Whether you live in the sunny north or chilly south in our wide brown land, flu season is officially upon us, so it’s important to protect your health as rigorously as possible. With so much attention given to the Covid-19 epidemic, it’s easy to overlook the...

As we head into the final week of the Federal Election campaign, many voters by now will be totally ‘over’ the promises, the rhetoric and the shouty debates. Yet many older Australians are also keenly interested in understanding the policy detail that...

And why is it critical to know how long you will live? Back in 1908 when the Age Pension was first introduced in the Australian Federal Parliament there were two striking features. It was for men only. And the life expectancy of men who would receive this...

Is using a TTR the best of both worlds? The days of an abrupt end to full time work, suddenly facing seven days a week of leisure are becoming a thing of the past for many older Australians. Yes, there are unforeseen life events like sickness or retrenchment...

The recent significant changes to Age Pension rules and rates have firmly renewed the focus on retirement income affordability. But in the push to fully understand every aspect of retirement incomings, we run the risk of missing the other half of the...

On International Women’s Day last week, a flood of statistics about gender inequities were shared. It’s fair to say that overall the financial situation for women is slowly improving. But it’s also true that most indicators are coming off such a low base,...