Our top risks to avoid carrying in retirement

By John Innes

As the trend toward an ageing population with a high dependency ratio increases, and the fiscal and social consequences of poorly planned public policies becomes apparent, the question of how retirement and aged care will be sustainably funded has become an area of major concern for Governments worldwide. For the typical retiree, the equity built…

The last great remaining untapped asset class

By John Innes

As the trend toward an ageing population with a high dependency ratio increases, and the fiscal and social consequences of poorly planned public policies becomes apparent, the question of how retirement and aged care will be sustainably funded has become an area of major concern for Governments worldwide. For the typical retiree, the equity built…

Retirement Interest Only Mortgages

By John Innes

Funding retirement: Retirement Interest Only mortgages A large number of Australians do not have enough money saved to fund a comfortable retirement. According to the Association of Superannuation Funds of Australia (ASFA), Australians need 70% of their annual pre-retirement income during retirement – with the average Australian falling 40% below this benchmark. Australian retirees do have wealth – it’s…

Guaranteed Income Investment products

By John Innes

Funding retirement: analysing Guarantee Income Investments In this 5-part series of articles, we are analysing the advantages and disadvantages of some of the main alternative forms of retirement funding. We have already looked at annuities and shared appreciation mortgages, and now we are taking a closer look at a third type of funding: guaranteed income investment…

Reverse Mortgages

By John Innes

Funding retirement: analysing Reverse Mortgages Across a 5-part series of articles, we examine the leading financial products that Australians can use to fund their retirement, weighing up the advantages and disadvantages of each option. So far, we have taken a closer look at annuities, shared appreciation mortgages, guaranteed investment products, and retirement interest-only mortgages. In the…