Retirement
FORO vs FOMO in retirement: which risk really costs more
Australians’ biggest retirement concern is simple: will we have enough to live a dignified, comfortable life? Fair concern. But here’s the twist—once you stop working, a new risk shows up that few plan for: missing out. The hard mindset shift You’ve spent decades saving. Then retirement hits and suddenly you’re told to spend. Your regular…
Read MoreThe Cost of Waiting: Why “Later” Is the Riskiest Retirement Strategy
I was talking with Tony this week. He and his wife want to retire within five years, but they’d been putting off getting help. It had reached the point where doing nothing meant drifting. They were at real risk of not having enough, working longer than needed, and not knowing if they were on track…
Read MoreIf You Were To Retire Tomorrow, Would You Have Enough?
The Great Australian Dream used to be a house on a quarter-acre block. For many, that’s getting harder. And for older Australians—those closing in on retirement—priorities have shifted. In a recent study commissioned by MLC with McCrindle, 54% of Australians said having enough money to retire comfortably is something they aspire to. Equally important: being…
Read MoreThe Hidden Reason Australians Delay Retirement: Permission
From Grind to “Permission”: How a Living Retirement Sketchbook Turned Someday Into Now Meet a couple in their late 50s. Joe had been doing 60–80 hour weeks for years. He loved his work, but it was becoming a grind. He had a solid income and plenty saved. Every winter they’d say, “One day, let’s chase…
Read More7 Retirement Blind Spots Aussies Don’t See Coming
Treating retirement like an investment problem (when it’s really an income problem) You’ve worked hard to build your super, savings, and investments. It’s natural to focus on returns. But most retirees don’t lie awake worrying about “beating the market.” The real question is, “Can I reliably pay myself—month after month—without running out?” When you reframe…
Read MoreWhat You Should Ask Your Adviser About Retirement—Our Transparent Answers to the Top 5
Most people nearing retirement ask one question: “Are we going to be okay?” Not “How do I beat the market?” Just, will the money last, and can I stop working? That’s the conversation we have every week. People want permission and a plan. They want to retire with confidence, spend safely, and enjoy the life…
Read MoreBeat Procrastination and Start Building a Better Retirement Today
You have good intentions when it comes to planning your retirement. You want a comfortable lifestyle without worrying about running out of money. You want European holidays, to hook up the caravan and see the sights of Australia, take up a new hobby, spend time with your grandkids and your own kids, work on your…
Read MoreThe Most Expensive Fear In Retirement Isn’t Market Risk. It’s Waiting
The biggest threat to a great retirement isn’t a bear market, bad timing, or fees. It’s time you don’t use. The price tag is your life. Every month you delay is a month you can’t get back. Not because markets compound, though they do. But because you do. Your energy, your health, your freedom to…
Read MoreScared of Losing Money? The Bigger Risk Is Running Out
The past few weeks have been a brutal reminder of how fast markets can turn. The ASX 200 hit four-month lows, dropping 2.2% in a week as geopolitical tensions and energy prices rattled confidence. If you’re nearing or in retirement, watching your super wobble is unsettling. That knot in your stomach? Normal. The urge to…
Read MoreCompare the Pair… for Retirement: What the Ads Don’t Tell You
If you’ve seen the “Compare the Pair” ads, you’d think choosing a super fund is all about investment performance and feel‑good slogans like “we work for you.” That’s fine in accumulation—when you’re contributing regularly and don’t need much from your fund day‑to‑day. It’s very hands off. When retirement approaches. You can’t be passive anymore. It’s…
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