Opinion

Opinion

Retirement Income Review: Simplifying the complex

The Retirement Income Review is clever for a number of reasons, not least because it managed to simplify complexity and create a structured case for improving retirement outcomes by not increasing the SG, all without without making any recommendations.
Opinion

Super advice: Holding out for a hero

Members aren’t looking for holistic financial planning advice in the sense of a traditional six-step financial planning process - they are looking to solve practical and immediate problems, they are looking for decision support, and they’re looking to learn, but not necessarily be educated or taught.
Opinion

Good engagement creates better policy

The key to addressing complexity and subjectivity in my experience is through good engagement. For engagement to work there needs to be a level of trust. Trusting can be difficult when significant agency issues exist.
Opinion

Intra-fund is no substitute for holistic advice

The emerging advice gap has reinvigorated industry discussions about the future of advice and the part super fund advisers will play. While intra-fund advice plays an important role in the financial system, the data shows it is no substitute for full service financial advice.
Opinion

‘I’m a mechanic’ Ray Dalio on fixing capitalism

During a conversation to air at the upcoming Top1000funds Sustainability Conference with Ray Dalio, co-chair and co-CIO of Bridgewater Associates, I couldn’t help but wonder this - if we are so clear on the problems, then why can't we get more clear on the solutions?
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