The retirement risk zone represents a fragile period in the financial life cycle of people in defined-contributions superannuation. It primarily affects people of middle means. Sequencing risk has been described as an independent risk but it has largely been a consequence of the dominant asset allocation strategy, described here as aggressive constant-mix. Lifetime glide paths...

This paper argues that the financial disadvantage Australian women will face in retirement has nothing to do with whether they have a family. Summary There is much public debate about the role of 'choice' when it comes to women and work in Australia – but structural factors appear to play a stronger role in shaping...

Asia's general reliance on defined benefit schemes could potentially lead to unfunded liabilities similar to those experienced in some countries in Europe, once the tipping point is reached. Some segments of the population lack meaningful pensions, a feature of many developing economies in the region, which means the whole system of retirement income in Asia...

General observations The case for reform of the taxation and social security systems, together with reform blueprints, were provided in the Henry Review released in May 2010. To the Henry Review reform proposals should be added a more comprehensive and higher rate GST, and the option of no-bars reform of the taxation of superannuation, both...

This paper presents evidence that suggests a significant proportion of Australians believe that ethical and environmental considerations should be taken into account by the trustees of their superannuation funds. The lack of engagement with superannuation companies may stem from those companies ignoring ethical and environmental dimensions in communications with their customers.