FORO – the fear of running out of money – is significantly impacting how Australians experience retirement, according to recent industry research. The Retirement Income Review found that typical retirees die with around 90% of their starting superannuation balance intact. This creates what researchers call a "lifestyle deficit", where retirees forgo experiences and a higher standard of living despite having sufficient funds. Research from Natixis Investment Managers shows 40%

One in three Australians struggle to pay their bills. Nearly half say that financial stress is their biggest worry - greater than concerns about relationships or work. Most concerning is that financial literacy rates are falling, particularly amongst young people. Australian students learn algebra and analyse Shakespeare, but lessons on budgeting, compound interest, or avoiding debt traps, rarely feature in their education. For most students, meaningful financial education si

Group insurance provided through superannuation may seem convenient and cost-effective, but without professional guidance, it can leave...