Our research shows the value of superannuation fund trustees offering their members lifetime income products, to help reduce the taper trap.
Our Research
We’ve Crunched the Numbers
So You Don’t Have To.
Our goal is to deliver thought-provoking insights and research, giving you everything you need to understand this new generation of retirement income solutions—and how they provide Australians with the long-term financial security they deserve.
Stephen Huppert has written a white paper exploring the annuity puzzle - why people don't buy lifetime annuity products if they can help them be more confident in retirement.
To help trustees understand the difference between insured and uninsured approaches, David Orford & Jim Hennington have produced a white paper that includes the pros and cons of each approach.
Can Superior Investment Performance Beat Lifetime Annuity / Pension Income? A 3 part article series.
Can Superior Investment Performance Beat Lifetime Annuity / Pension Income? A 3 part article series.
Can Superior Investment Performance Beat Lifetime Annuity / Pension Income? A 3 part article series.
The ‘degree of confidence’ regarding how long you and your partner will live is a new concept in superannuation and financial planning - and is critical for retirement planning.
Optimum Pensions supports the Government’s introduction of the Retirement Income Covenant but note that while the position paper refers to longevity products, there is no explicit requirement for trustees to include longevity products in retirement strategies. Read our response.
Currently the prevailing product offered by Australian superannuation funds to retirees is an Account Based Pension. But withdrawing too much in the early years creates a risk of exhausting funds prematurely, leaving members struggling to make ends meet. So how can members receive an income for life that is designed to increase over time?
With two years of considerable discussion around the provision of new retirement income products, savvy trustees are realising it’s the perfect time to integrate retirement income products into the mix.
Almost a quarter of seniors aged 75 to 79 have run out of savings. Hear more from Optimum Pensions and how they are innovating a retirement income that lasts for life – irrespective of how long the retiree lives.
David Orford, the founder and owner of Optimum Pensions, is also the principal architect of the product.
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