A Retirement Income Stream is the term most commonly used to describe retirement income products, including Account Based Pensions, Defined Benefit Pensions and Annuities. Such products typically supplement other sources of retirement income, including: the...

Decumulation would have to be the most boring name for what should be the most exciting stage of your retirement income journey – that time when you get your money out! But it has become a turn off term because the rules seem so complex that many people go...

Thank you to all our readers who helped us with our recent retirement survey. Your feedback has helped us get a better understanding of the issues and concerns many people face when planning for retirement. It is not always a choice Most people don’t think...

We had a big response to our last article on how your investments interact with the Age Pension. That discussed how they can combine to deliver your retirement income.  Our readers have identified investing in super and other investments as one of the...

The third in our series on the Government’s Retirement Income Review Home ownership gives retirees a big leg up in retirement, according to the government’s recently released Retirement Income Review.  Retiree households who own their home face lower...

The problem with cash.  “We can’t live off that!” Retirees are only too well aware how far interest rates have dropped. The decline has been great for younger people paying off mortgages, but terrible for people funding retirement spending from bank...

As we emerge from severe social lockdown following the global pandemic, it’s worth reflecting on what we’ve learnt.    COVID-19 has been a dramatic shock to the system. To our life and to our finances.  It reminded us of the need to be...