23 February 2025

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Retirement is a risky business for most people The perfect portfolio for the next decade UniSuper’s boss flags a potential correction ahead The challenges with building a dividend portfolio How much do you need to retire?

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1-12 out of 13 results.

Four reasons many Australians will work until they're dead

Satyajit Das
4 August 2021
12

Despite the maturing of the super system, 70% of retirees rely in part or full on the age pension. Access to pensions will become more restrictive and fewer people will have options such as a reverse mortgage.

Ralston on accessing equity in the family home

Deborah Ralston
31 March 2021
17

A member of the Retirement Income Review explains the focus on home equity. For homeowners at retirement, homes represent three to four times as much wealth as superannuation, but the average age at which mortgages are paid out has increased from 52 to 62.

Home equity access and four challenges of retirement

Joshua Funder
11 November 2020
11

The Australian retirement funding system relies on three pillars: the age pension, superannuation and voluntary savings. Most retirees have their wealth tied up in the family home, so what role does it play?

Five ways to use the family home for retirement income

Arthur Naoumidis
12 August 2020
3

The family home is the bedrock on which many retirement plans sit, with special tax and social security benefits. Many products generate an income stream from the home to make retirement more comfortable.

Robert Merton on retirement incomes and Jane Austen

Graham Hand
20 November 2019
19

1997 Nobel Laureate Robert Merton wants greater focus on the income that will sustain a retirement, and even Jane Austen understood this. And he has a surprising proposal to help with longevity risk.

Rethinking home equity and retirement funding

Joshua Funder
20 March 2019
6

Using the value of home equity built up over many years seems an obvious part of retirement planning, but reverse mortgages have been unsuccessful in Australia. Is it time for a fourth pillar of retirement income?

Reverse mortgages: short-term gain, long-term pain

Robin Bowerman
17 October 2018
10

As the population ages and property prices rise rise, equity in owner homes has more potential as a significant source of 'retirement income'. But an ASIC report highlights complexities in reverse mortgages not well understood.

Why are reverse mortgages unpopular?

Graham Hand
4 September 2015
4

Using the equity in the home to supplement retirement income is worth considering for certain people, so why are banks dropping reverse mortgage products and why do so many retirees feel it's not for them?

Robert Merton on retirement incomes and Jane Austen

Graham Hand
7 November 2014
9

Nobel laureate Robert Merton wants us to focus on the income that will sustain us in retirement, even Jane Austen understood this. And he has a surprising proposal to help with longevity risk.

Pension Loans Scheme should have much greater use

Les Goldmann
26 September 2014

The little-known Pension Loans Scheme allows asset-rich but cash-poor retirees to top up their part-pension income to the full amount via a loan from the government, effectively unlocking the value of their assets.

Home equity release, the fourth pillar of retirement funding

Christine Brownfield
22 August 2014
1

In the search for retirement funding solutions that address longevity, the retirement age and costs of living, home equity release could help fund the retirement of those who own their home.

Shared home equity worth a look for retirees

Alastair Peattie
24 January 2014
1

There's sometimes a gap between lifestyle expectations and retirement savings that can be filled by accessing the underutilised equity in the family home. There are alternatives to reverse mortgages such as shared equity.

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Retirement is a risky business for most people

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How much do you need to retire?

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