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.

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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Thoughts Behind the Real Lifetime Pension

David Orford, the founder and owner of Optimum Pensions, is also the principal architect of the product.

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Innovating Financial Products -Overview

Ever since the introduction of Australian Life Tables by the Australian Government Actuary in the 1880s, the longevity of Australians has been consistently improving.

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You Will Live Longer than you Think

With decades of expert actuarial experience, plus the creation of a highly valuable supertech outfit, David Orford reviews the current risks financial advisers are taking with a traditional approach to helping clients prepare for retirement by using the Australian Life Tables.

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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.