Our Research

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.

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?

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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