Jacki Ellis, head of retirement segment, Aware Super, Dr David Bell, executive director of The Conexus Institute and Julia Newbould, managing editor, Conexus Financial talk all things retirement income policy. We start with a brief history of retirement income policy, take a look at present retirement income policy and finally explore the principles-based approach of the Retirement Income Covenant which gives funds the flexibility to focus on the best outcomes for individual members despite challenges remaining in measuring success and providing tailored advice.