Pandemic Exclusions & Super-the Full Story
There has been much confusion and misinformation around pandemic exclusions in group insurance in superannuation lately.
Matt Kuperholz: On Ethics and AI and old ATARI computers
I speak to Matt about his wonderful collection of old (retro?) computers but also all about the challenges of defining an ethical framework for algorithms, and what we can do to understand this tricky area.
Super fund cohorts seen as systemic risk
The federal government has identified membership cohorts within industry funds as a new systemic risk for Australia’s $3 trillion superannuation industry.
Outsider’s view on the Australian pension system
This report was prepared for the ICPM Discussion Forum in October 2019 by a group of international pension experts under the Research Committee of ICPM. The report is based on 10 informal interviews of key stakeholders of the Australian pension system primarily conducted on a fact-finding tour to Australia.
MLC has liquidity for claims surge
CEO Geoff Lloyd said they have been raising liquidity in the market to manage the surge in hardship claims that are expected to hit 25,000 a month.
Retirement Income Review submission
This represents The Conexus Institute’s submission to the Retirement Income Review. The Conexus Institute is a not-for-profit entity which strives to improve the retirement outcomes of Australians through a focus on impactful research. This submission was prepared by David Bell, executive director, The Conexus Institute.
Why decumulation is different
The investment goal of an accumulation portfolio is straight forward – return maximisation. Investing in a decumulation environment or investing in retirement is different. Decumulation investing, for the purpose of funding retirement income, is more complex than that required for accumulating assets.
Money in retirement. More than enough
The conventional wisdom is that Australians don’t save enough for retirement. But this belief, encouraged by the financial services industry fear factory, is mistaken. The vast majority of retirees today and in future are likely to be financially comfortable.
One size does not have to fit all: AIA Australia’s whitepaper on default insurance in super
Off the back of the findings and recommendations of the Hayne Royal Commission, the Productivity Commission and various regulatory reviews, considerable focus has been concentrated on the value and appropriateness of default insurance in super.
Paul Gordon: It is your attitude to money that will determine your future!
Retirement is a recent phenomenon in history and has acquired several preconceptions around a typical experience. This thought-provoking session explores the reality of ageing in the 21st century and the contemporary needs of members.
Nicolette Rubinsztein: Happy ageing: lifelong health, wellbeing and contentment
How to ensure a happy retirement for all Australians? How can we predict people who will age happily? This session will dispel certain myths and draw on research from the Blue Zones, a Harvard longitudinal study and the works of Ellen Langer and George Vaillant.
Running a decumulation portfolio
Dispersion of opinion remains alive and well on the topic of how best to approach accumulation vs decumulation investing, but how different are these two regimes in reality? What does a decumulation investment process look like?
