Evidence and analysis
Research and analysis on Australia's retirement and wealth system for decision-makers in superannuation, wealth-management, advice, and policy.
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Selected work
Key whitepapers and Treasury submissions
Older Australians are retiring with unprecedented levels of housing debt, forcing superannuation to do double duty—fund retirement and clear housing loans. This white paper reframes retirement planning through a household balance sheet lens and sets out practical ways super funds, advisers, and policymakers can integrate home equity release alongside super and the Age Pension to improve outcomes.
A submission to Treasury in respect of superannuation in retirement
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Examines four factors that shape the risk of exhausting super in retirement, framing FORO as a risk-management problem.
Explains how the timing of market returns and pension withdrawals can materially affect retirement outcomes, even when average fund returns appear similar.
Reviews APRA and ASIC’s latest Retirement Income Covenant findings, highlighting gaps in member insight, retirement strategy execution and outcomes measurement across super funds.
Older Australians are retiring with unprecedented levels of housing debt, forcing superannuation to do double duty—fund retirement and clear housing loans. This white paper reframes retirement planning through a household balance sheet lens and sets out practical ways super funds, advisers, and policymakers can integrate home equity release alongside super and the Age Pension to improve outcomes.
Australia's superannuation system faces a 'Rubicon' moment, a turning point where the focus is shifting from accumulation phase to retirement readiness, but unfortunately, many funds are not rising to the challenge.
Generation Z has bigger issues to worry about than the $3m super threshold. When they retire, their super may be needed to pay off their $11m home
A look at the debate over the proposed Div 296 tax on super balaces > $3m
The Government's proposed tax has copped a lot of flack though I think it's a reasonable approach to improve the long-term sustainability of superannuation and the retirement income system. Here’s why.
A look at statements on housing made by two senior financial executives
Full article first publised on LinkedIn (republished by Firstlinks)
A review of a Melb Institute paper on housing wealth using HILDA data
Part 3 of the 3 part series into the Australian mortgage market and the rise of home loan debt. A look at housing credit supplier concentration
Part 2 of the 3 part series into the Australian mortgage market and the rise of home loan debt. This one looks at the supply of housing credit
Part 1 of the 3 part series into the Australian mortgage market and the rise of home loan debt
"Housing and Retirement: In Search of a Unified Approach"
