Our Research - Optimum Pensions

Our Research

Our Research

We have crunched the numbers - so you don’t have to.

Our aim is to provide thought-provoking insights and research to provide everything you need to help understand this new breed of retirement income stream products and how they can help provide Australians with the long-term security they need.

The Fear of Running Out – Lifetime Income and The Annuity Puzzle.

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.

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Insured versus Uninsured Retirement Products

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.

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Maximising Retirement Incomes – Part 3

Can Superior Investment Performance Beat Lifetime Annuity / Pension Income? A 3 part article series.

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Maximising Retirement Incomes – Part 2

Can Superior Investment Performance Beat Lifetime Annuity / Pension Income? A 3 part article series.

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Maximising Retirement Incomes – Part 1

Can Superior Investment Performance Beat Lifetime Annuity / Pension Income? A 3 part article series.

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Planning for Retirement with Confidence

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.

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Giving Effect to The Retirement Income Covenant

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.

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How to Profit from Other People’s Deaths

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?

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Australian Super Funds Retirement Time Bomb

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.

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Has Australia ‘Outlived’ the Account Based Pension?

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.

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Optimum Pensions' new Real Lifetime Pension may be delivered by Super
Funds to their members to address Australians' longevity risk while providing
higher performance than current lifetime annuities in the market.

We have crunched the numbers - so you don’t have to.

Optimum Pensions' new Real Lifetime Pension may be delivered by Super Funds to their members to address Australians' longevity risk while providing higher performance than current lifetime annuities in the market.

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Optimum Pensions' new Real Lifetime Pension may be delivered by Super
Funds to their members to address Australians' longevity risk while providing
higher performance than current lifetime annuities in the market.