Retirement Planning

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A ground-breaking framework introduced by the Actuaries Institute promises to revolutionise how Australians access financial support, potentially transforming the financial wellbeing of millions. The Help, Guidance and Advice (HGA) framework, unveiled today, is designed to provide a structured approach that enables financial institutions to deliver a broad spectrum of affordable and quality support to their customers.

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Andrew Gale, an experienced non-executive director and chair of the Institute’s HGA Working Group, emphasises the framework's potential to democratise access to financial advice. “Middle Australia stands to benefit most because comprehensive personal advice is out of reach for many, but help, guidance and specific purpose simple advice at pivotal moments would significantly improve their financial wellbeing,” Gale asserts.

The HGA framework is poised to cater to the diverse needs of Australians, offering everything from basic financial facts to detailed advice on retirement planning and other financial matters. Gale notes, “Our framework provides the architecture that will enable millions of people of all ages to receive support in different levels of complexity and that fits their individual needs.”

With a significant wave of retirees anticipated in the coming decade, the framework's timing is critical. Many Australians nearing retirement face challenges in accessing full, comprehensive financial advice due to cost and complexity. The HGA framework aims to fill this gap by offering targeted help and guidance on common issues such as Age Pension entitlements and strategies for managing superannuation.

Gale highlights the framework's potential impact on younger Australians as well, who often require assistance with consolidating superannuation accounts, budgeting, and selecting appropriate life insurance. By providing scalable and cost-effective support, the HGA framework could enhance financial literacy and decision-making across various demographics.

The development of the HGA framework involved extensive consultation with key stakeholders, including superannuation funds, consumer groups, and industry bodies. The Institute’s paper, "Financial Advice Reform and Help, Guidance and Advice," outlines the framework's potential to expand the capacity of financial advisers, accountants, superannuation funds, and digital tools to offer support. This expansion could benefit an estimated 710,000 Australians planning to retire within the next five years.

A significant aspect of the HGA framework is its potential to address regulatory challenges in the financial advice sector. Gale points out that current regulations fail to differentiate between simple guidance and comprehensive planning, treating all financial advice as equally complex. “Guidance currently operates in a regulatory grey area between Help and Advice. It provides an important bridge between providing someone with basic financial information and personalised advice. It is widely seen as a scalable and cost-effective mechanism for delivering meaningful support,” Gale explains.

The framework advocates for greater regulatory and legislative recognition of guidance, enabling superannuation funds and their trustees to provide more certain support to their members. Gale adds, “We would like to see greater regulatory and legislative recognition for Guidance so, for example, super funds and their trustees have more certainty in the support they can provide their members.”

The Actuaries Institute is optimistic about the forthcoming Delivering Better Financial Outcomes (DBFO) legislation, which is expected to play a crucial role in enhancing access to affordable financial help and guidance. Gale acknowledges the DBFO reforms as a positive step but suggests that further regulatory reform will be necessary to fully leverage the potential of guidance within the financial advice landscape.

As the financial advice sector continues to evolve, the HGA framework represents a significant stride towards bridging the advice gap in Australia. By offering a structured approach to financial support, it holds the promise of improving the financial wellbeing of Australians across different life stages, empowering them to make informed decisions with confidence.

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• Yes

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A ground-breaking framework introduced by the Actuaries Institute promises to revolutionise how Australians access financial support, potentially transforming the financial wellbeing of millions. The Help, Guidance and Advice (HGA) framework, unveiled today, is designed to provide a structured approach that enables financial institutions to deliver a broad spectrum of affordable and quality support to their customers.

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Downsizing is moving from a personal milestone to a system-level lever for Australia’s housing market. As policymakers court reforms and agents eye fresh listings, the real profit pools will accrue to businesses that orchestrate the entire downsizer journey—finance, tax, logistics and care—underpinned by responsible AI and transparent fees. The strategic question isn’t whether retirees will sell; it’s who captures the lifetime value across the transition. Here’s the playbook for turning a demographic inevitability into a defensible growth strategy.

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The key implication: Unlocking housing stock via downsizing will reward firms that treat retirees as multi-year customers, not one-off transactions. Margins will favour companies that integrate advisory, funding and fulfilment, while using AI responsibly to cut friction and cost.

Market context: a demographic tailwind, with structural headwinds

Australia’s ageing population and constrained housing supply make downsizing both a social priority and a commercial opportunity. The latest system-level assessments point to rising economic, climatic and demographic pressures that add cost and complexity to housing delivery. In other words, even if listings rise, the cost base for moving, building and retrofitting is trending up. That raises the bar for businesses: to create value, they must remove friction and reduce total cost of transition, not just clip a fee.

Industry sentiment is pushing for policy tweaks to encourage moves from large family homes into smaller dwellings, freeing up supply. Expect more momentum behind stamp duty reliefs, planning flexibility and targeted advisory support. For business leaders, this is a classic timing question: build capability ahead of reform so you’re the default partner when incentives land.

Mapping the profit pools: beyond the sale

Downsizing triggers a chain of transactions: valuation, sale, financial advice, lending or equity release, legal work, tax planning, conveyancing, removals, renovations, and often health or aged care coordination. A value-chain lens shows margin concentration in three layers:

• Advice and structuring: Financial advice, tax planning and eligibility optimisation (e.g., treatment of proceeds, pension impacts). Australia’s consumer guidance emphasises transparency on fees and benefits; business models that package fixed-fee or capped-fee advice will build trust and velocity.
• Funding: Bridge loans, reverse mortgages and home equity release. Consumer education matters: government guidance highlights that equity-release products can impact future living costs. Providers that model long-run affordability and offer safeguards (e.g., no negative equity guarantees) will win.
• Fulfilment: End-to-end move management, downsizer-friendly renovations, and community placement. Concierge offerings create stickiness and referral flywheels.

For agencies, lenders, super funds and proptechs, the ROI case improves when you model customer lifetime value across multiple services rather than a single commission. Use cost–benefit analysis, but heed its blind spots: standard frameworks underweight hard-to-forecast variables like time-to-sell, health events and climate-related repair needs. Build scenarios (base, stress, upside) with sensitivity to settlement timing and price variance.

Digital distribution: own intent, or rent it from Google

Acquisition economics will be won at the search bar. The ACCC reported in December 2024 that Google retained about 94% share of general search in Australia. Practically, that means your cost of acquiring downsizer leads is tethered to one platform’s auction dynamics unless you diversify. The playbook:

• Own the query: Publish calculators (e.g., equity-unlock, stamp duty scenarios), checklists and localised guides. Utility content lowers customer acquisition cost and compounds SEO.
• Partner on distribution: Align with super funds, insurers and community organisations that already serve older Australians; co-branded funnels reduce dependence on paid search.
• Measure ruthlessly: Track cost-per-qualified-consultation, conversion to multi-service bundles, and post-settlement NPS. Retirees’ word-of-mouth remains the cheapest channel.

Responsible AI as an execution advantage

AI can compress the time and stress in downsizing: propensity modelling to identify likely sellers, LLM-driven document triage, personalised timelines and asset inventories, and fraud checks in conveyancing. But governance is now table stakes. The Australian Government’s 2024 policy for using AI in the public sector frames a leadership stance—“This policy will ensure the Australian Government demonstrates leadership in embracing AI to benefit Australians,” said Lucy Poole in August 2024—which sets expectations for private-sector custodians of sensitive data.

Two principles to operationalise:

• Human-in-the-loop advice: Keep AI-generated recommendations explainable and reviewed by licensed advisers, especially in financial products such as reverse mortgages and equity release.
• Data minimisation and provenance: Adopt governance patterns similar to the Australian Taxation Office’s AI oversight—document model purpose, data lineage and risk mitigations; log interventions and outcomes.

Australia’s AI ecosystem shows a gap in commercialisation relative to research strength. That’s an opening for proptechs and advisory platforms to turn existing models into regulated, revenue-grade workflows—where compliance, not the model, is the differentiator.

Implementation reality: friction points and fix-first opportunities

Where deals die: settlement misalignment, unclear fee stacks, and affordability surprises post-move. Fix them before scaling:

• Transparent fee architecture: Borrow from consumer finance guidelines—disclose advice fees and third-party benefits upfront. Offer comparison tables for bundled vs à la carte services.
• Liquidity bridges: Provide pre-qualified bridging finance with clear runway assumptions; model best- and worst-case sale timelines.
• Equity-release guardrails: Incorporate government guidance warnings directly into product design—stress-test for future medical and living costs; build in caps and counselling requirements.
• Climate-adjusted diligence: Reflect system-level climate cost trends in property reports—buyers increasingly demand it, and it reduces post-sale disputes.

Competitive strategy: build the “downsizer stack”

Think platform, not product. A defensible play bundles:

• Lead intelligence: Consent-based data to identify readiness triggers (empty nest, mobility needs).
• Integrated advisory: Tax, pension, and estate planning in one workflow with eID and digital signatures.
• Fulfilment network: Curated tradies, removalists, storage, and community living partners with service-level guarantees.
• Feedback loop: Post-move check-ins to surface cross-sell (insurance, home modifications) and referral opportunities.

Go-to-market options: build proprietary rails, white-label a fintech for funding, or pursue joint ventures with super funds. Use a partner matrix to decide where to own vs outsource based on regulatory burden and margin potential.

Outlook to 2030: policy catalysis and consolidation

Expect incremental policy changes to improve mobility of older homeowners, alongside persistent cost pressures from climate adaptation and construction. As volumes grow, the market will likely consolidate around platforms that deliver measurable stress reduction and cost transparency. Early movers with compliant AI, diversified acquisition beyond paid search, and fee models aligned to outcomes will set the standard.

Leadership agenda for the next 12 months:

• Stand up an AI-governed, human-in-the-loop advisory workflow and audit it quarterly.
• Publish a total cost of transition benchmark to build trust and differentiate on transparency.
• Secure two distribution partnerships that reduce dependence on search advertising.
• Pilot a concierge bundle with guaranteed timelines and climate-adjusted property reporting.

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Downsizing is moving from a personal milestone to a system-level lever for Australia’s housing market. As policymakers court reforms and agents eye fresh listings, the real profit pools will accrue to businesses that orchestrate the entire downsizer journey—finance, tax, logistics and care—underpinned by responsible AI and transparent fees. The strategic question isn’t whether retirees will sell; it’s who captures the lifetime value across the transition. Here’s the playbook for turning a demographic inevitability into a defensible growth strategy.

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In a significant move aimed at addressing the retirement concerns of Australians, AMP has unveiled the Retirement Confidence Pulse, a national barometer designed to gauge the financial confidence of Australians regarding life after work. The initial results of this survey have highlighted a worrying trend: the average Retirement Confidence Pulse score stands at just 50 out of 100, indicating that a substantial portion of the population lacks financial peace of mind as they approach retirement.

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The introduction of this new measure comes at a time when the cost of securing a comfortable retirement has escalated significantly. According to recent data from the Association of Superannuation Funds of Australia (ASFA), the annual cost for a couple aged 65 and over to maintain a comfortable lifestyle has surged by over $13,000 in the past five years, now exceeding $75,000. For individuals, the cost is $53,289 per year, up from $43,687 in 2020.

Alexis George, AMP's Chief Executive, expressed concern over these findings, stating, "Australians over the age of 65 will make up nearly a quarter of our population within four decades – a demographic shift set to reshape the nation's economic and social landscape. Yet, as this Pulse shows, despite growing super balances and national wealth, too many feel financially insecure about life after work – an issue that needs to be front and centre for policymakers and the superannuation industry."

The Retirement Confidence Pulse has shed light on several key areas of concern. A significant gender gap exists, with only two in five women feeling confident about their retirement prospects, compared to nearly three in five men. This disparity underscores the ongoing challenges women face in achieving financial security.

The survey also highlighted the struggles of the so-called "Sandwich Generation" – individuals in their 40s who are often juggling mortgages, raising children, and caring for ageing parents. Fewer than two in five in this age group expressed confidence in their retirement plans. Single mothers in their 40s reported particularly low confidence levels, with less than one in five feeling secure about their retirement, marking them as one of the most vulnerable groups.

Interestingly, the survey revealed that confidence does not necessarily increase with age. More than one in three Australians aged 65 and older still feel financially insecure, worried that their savings may not last through their retirement years. This finding suggests that even reaching the traditional retirement age does not guarantee financial peace of mind.

The survey also identified a "confidence dividend" associated with being in a partnership. Partnered Australians are significantly more confident about their retirement prospects, with nearly three in five expressing confidence, compared to just two in five singles. However, divorce can have a detrimental impact on retirement confidence, particularly for women. Only one in three separated or divorced women feel confident about their financial future, in contrast to over half of separated or divorced men.

Income levels also play a crucial role in retirement confidence. Three in four Australians earning between $190,000 and $250,000 reported feeling confident about their retirement, while only two in five earning less than $45,000 shared the same sentiment. Middle-income Australians, those earning between $45,000 and $135,000, were evenly split, with just half expressing confidence.

In response to these findings, AMP has launched the Retirement Confidence Hub, an initiative aimed at translating insights into practical solutions. The Hub's Advisory Committee, which includes industry experts such as AMP’s Chief Economist Dr Shane Oliver and Director of Retirement Ben Hillier, is tasked with addressing these challenges. Nicola Stokes, CEO of the AMP Foundation, is also part of the committee, ensuring that social and community needs are considered.

Ben Hillier, Chair of The Retirement Confidence Hub, stated, "The Pulse is our scoreboard; the Retirement Confidence Hub is our game plan – a standing effort to turn evidence into action so more Australians can feel confident about their retirement, and unlock a better quality of life. This requires a system that is easier to understand, improved financial literacy, easier access to guidance and advice at critical life moments, and more solutions that provide lifetime income and which unlock the considerable wealth tied up in property."

The launch of the Retirement Confidence Pulse and accompanying Hub represents a significant step towards addressing the financial insecurities faced by many Australians as they approach retirement. By providing insights and practical solutions, AMP aims to foster a more secure and confident future for retirees across the nation.

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In a significant move aimed at addressing the retirement concerns of Australians, AMP has unveiled the Retirement Confidence Pulse, a national barometer designed to gauge the financial confidence of Australians regarding life after work. The initial results of this survey have highlighted a worrying trend: the average Retirement Confidence Pulse score stands at just 50 out of 100, indicating that a substantial portion of the population lacks financial peace of mind as they approach retirement.

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In a bid to bridge the gap between the demand for financial advice and its accessibility, North, a prominent platform for superannuation and retirement in Australia, has launched an innovative investment menu named "Grow." With nine out of ten Australians currently without professional financial advice, North aims to address this "widening affordability gap" by offering a service that caters to clients with simpler investment needs.

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The Grow menu, unveiled today, is designed to empower financial advisers and their clients by providing a flexible and cost-effective solution that adapts to changing investment needs. This initiative seeks to improve access to quality financial advice and enable advice practices to extend their services to a broader audience.

David Hutchison, General Manager of Managed Portfolios and Investments at AMP, emphasised the challenges currently facing the financial advice sector. "Advice practices large and small face a real challenge in efficiently meeting the needs of everyday Australians in a cost-effective way, some of whom are earlier on in their accumulation journey or who have not sought advice previously," he said. Hutchison highlighted the importance of the new offering, stating, "By offering a simplified pricing structure and unique managed portfolios, North Grow makes it easier for advisers to provide quality advice to clients who may have been previously under-served."

The introduction of Grow comes at a time when the financial advice landscape is rapidly evolving. According to Adviser Ratings, while the proportion of Australians seeking professional advice has remained stable over the past four years, the rising costs of delivering such advice have created significant barriers. Grow aims to alleviate these challenges by offering a streamlined solution that caters to clients with simpler investment needs, allowing advisers to blend across investment menus without being restricted to a single option.

Gai Ferrington, General Manager of Product and Pricing at AMP, reiterated North's commitment to supporting advisers in their mission to provide quality advice. "North is committed to supporting advisers in their mission to provide quality advice to all Australians at every stage of their investment journey," Ferrington said. "The launch of North Grow is testament to this commitment, offering a valuable new investment menu that helps advisers meet the diverse needs of their clients while maintaining the highest standards of service."

Grow offers several features designed to enhance the efficiency and effectiveness of financial advisers. These include simplified pricing with no account fees or tiered administration fees, making it a cost-effective solution for clients. Additionally, Grow provides flexibility by allowing advisers to mix and match investments across North's Grow, Select, and Choice menus, with platform pricing blended accordingly. This feature is particularly beneficial for multi-generational households, as it offers family fee aggregation.

The new investment menu also includes focused managed portfolios that cater to a range of risk profiles. This allows advisers to free up their time to better serve clients and grow their practice. Hutchison noted, "This initiative is an exciting step towards ensuring that more Australians have access to the financial guidance they need to achieve their investment goals – all without the traditional account fees."

Moreover, clients on the Grow menu can access North's award-winning MyNorth Lifetime solution, which delivers retirement income for life at no additional cost. This feature enables advisers to add significant value to lower balance clients in the accumulation phase and engage them earlier in their advice journey as their needs evolve and become more complex.

The launch of Grow signifies a strategic move by North to address the key pain points faced by advice practices. As the financial advice sector continues to navigate increasing pressure to deliver high-quality advice, initiatives like Grow are crucial in ensuring that more Australians receive the financial guidance they need.

In summary, North's introduction of the Grow menu represents a significant advancement in making financial advice more accessible and affordable for Australians. By offering a flexible, cost-effective, and comprehensive solution, North aims to empower both advisers and clients, ultimately expanding the reach of financial advice across the nation.

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In a bid to bridge the gap between the demand for financial advice and its accessibility, North, a prominent platform for superannuation and retirement in Australia, has launched an innovative investment menu named "Grow." With nine out of ten Australians currently without professional financial advice, North aims to address this "widening affordability gap" by offering a service that caters to clients with simpler investment needs.

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A new study by Aware Super has revealed that a significant majority of Australians aged 45 and over are feeling anxious about retirement, with nearly nine in ten respondents concerned they will run out of money during retirement.

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The **State of Retirement** report found that 63 per cent of Australians in this age group are worried about retiring, with one in ten retiring later than expected—more than half of whom did so out of financial necessity. Among those who had already retired, 20 per cent have returned to work, and around a quarter cited financial pressures as their reason for doing so.

Aware Super chief executive Deanne Stewart said the findings highlighted widespread uncertainty and a lack of understanding about how to make superannuation work in retirement.

“What the State of Retirement research tells us is that too many people don’t understand their options or how to make the most of their superannuation in retirement,” Ms Stewart said.

“We also know that many people are feeling uncertain about the future more broadly.”

Ms Stewart said that while awareness around the importance of investment returns had grown, with most people over 45 understanding that nearly half of their super balance at retirement comes from investment returns, there were still major knowledge gaps.

The research found that more than three quarters of Australians did not realise they could leave their super invested in retirement to draw a flexible income, potentially benefiting from concessional tax treatment and ongoing returns.

Additionally, 27 per cent of Australians aged 45 and over were unaware that super could become a tax-free income source in retirement. Aware Super provided an example showing that keeping a $400,000 super balance invested rather than cashing it out could deliver an extra $5,200 in annual income.

Ms Stewart encouraged Australians to seek guidance early.

“If you haven’t had a chat with your superannuation fund about planning for retirement, now is the time—no matter what age or life stage you’re at,” she said.

“Our research shows ‘not knowing’ your options could cost retirees thousands of dollars over the course of their retirement.”

She said Aware Super was committed to providing access to financial advice and tools, including its free My Retirement Planner, online learning hub and one-on-one support through its member services team.

The report also revealed a shift in attitudes toward retirement wealth, with 91 per cent of respondents saying their superannuation was primarily for their own use rather than something to pass on to children or grandchildren.

“This evolving mindset reflects a broader shift in how Australians approach retirement—not just as a time for financial security, but as a phase of life defined by purpose, wellbeing, and connection,” Ms Stewart said.

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A new study by Aware Super has revealed that a significant majority of Australians aged 45 and over are feeling anxious about retirement, with nearly nine in ten respondents concerned they will run out of money during retirement.

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int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(114) "/retirement/planning/majority-of-australians-anxious-about-retirement-as-super-knowledge-gaps-persist-report-finds" ["image"]=> string(118) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1743095368/pexels-kindelmedia-8172897_fr5liw.jpg" ["image_alt"]=> string(94) "Majority of Australians anxious about retirement as super knowledge gaps persist, report finds" } [5]=> object(stdClass)#10265 (57) { ["id"]=> int(18662) ["title"]=> string(72) "AMP’s MyNorth Lifetime boosts financial security and retirement income" ["alias"]=> string(70) "amp-s-mynorth-lifetime-boosts-financial-security-and-retirement-income" ["introtext"]=> string(183) "

AMP has reported that its MyNorth Lifetime retirement income solution is delivering significant financial benefits to retirees, with an average uplift of 50% in total income.

" ["fulltext"]=> string(3033) "

According to AMP, MyNorth Lifetime has enabled members to increase their retirement spending by an average of $8,000 per year, while also maximising their Age Pension entitlements. Nine in ten members have seen an uplift in social security benefits, with some experiencing a 100% increase under the Assets Test.

Enhancing financial confidence in retirement

Analysis of over 1,500 customer accounts revealed that MyNorth Lifetime users are benefiting from higher levels of retirement income through a market-linked lifetime income stream. This has allowed many members to retire earlier and access greater financial security.

Ben Hillier, AMP Director of Retirement, highlighted the positive impact of the program.

“With the benefit of face-to-face advice and a rich solution that provides a higher income for life, we’re helping more Australians get the most out of retirement. That’s already translating into some really pleasing outcomes, with the majority of older Australians spending more and retiring earlier,” he said.

Addressing concerns about retirement savings

Recent findings from the Grattan Institute and Federal Treasury indicate that many retirees are not drawing down their superannuation at sustainable rates due to concerns about outliving their savings. Treasury data shows that more than half of Australian retirees withdraw only the statutory minimum from their super.

Despite rising superannuation balances—averaging over $200,000 for singles and $300,000 for couples—many retirees leave up to 65% of their super unspent by the end of their lives.

AMP’s MyNorth Lifetime aims to address these concerns by combining the flexibility of an account-based pension with the security of annuities, ensuring members can optimise their income throughout retirement.

Industry recognition and future innovation

Since its launch in 2022, MyNorth Lifetime has gained significant traction, with over $505 million invested through more than 1,500 new members. Around 70% of these members are new to AMP’s platform.

The solution has been recognised for its innovation, winning the **Chant West Lifetime Product Best Fund Award in 2024** and the **Chant West Innovation Best Fund Award in 2023**.

Edwina Maloney, AMP Group Executive, Platforms, said the response from advisers and members has been overwhelmingly positive.

“We know our members value both financial freedom and security in retirement, without having to compromise on their lifestyle choices,” she said.

“As a world-class solution, MyNorth Lifetime is solving the unique challenges that Australians face as they transition into retirement while ensuring they can optimise their Age Pension entitlements.”

AMP said it remains committed to further developing MyNorth Lifetime to provide Australians with greater financial confidence and wellbeing in retirement.

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• Yes

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AMP has reported that its MyNorth Lifetime retirement income solution is delivering significant financial benefits to retirees, with an average uplift of 50% in total income.

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