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Australians are becoming increasingly gloomy about their retirement prospects, with many believing that the flow-on impact of COVID-19 will mean they will have to work longer, new research has found.

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Forty-five per cent of Australians are either scared or do not feel financially confident about retiring, while 23 per cent of Australians aged 30-65 say they will be forced to delay retirement due to COVID-19, according to research from Colonial First State. 

“The coronavirus pandemic has significantly changed the world, not only socially but financially, too. These are extremely challenging times for many people,” said CFS general manager for product Kelly Power. 

“It has been a big [wake-up] call for those Australians in their prime working age regarding their employment, savings, expenses, investments and super, and many have been forced to get a better grasp of their finances.”

The report found that older Australians over 55 are more confident they can still retire as planned, while those aged between 35-49 are more sceptical and financially underprepared. 

“Younger Australians who still have time before retirement are feeling more anxious about retiring than their older counterparts because they’re still building up their savings pool while the reality of retirement costs start sinking in,” Ms Power told concerned Australians.

Women have also been hit harder than men, with a third saying they do not feel confident about retiring as they have been able to save less during the pandemic. 

However, women are more willing to reduce spending compared with men (53 per cent versus 46 per cent) once this is over.

“Women would benefit from further initiatives and incentives to make additional contributions to super to ensure they have adequate retirement savings,” she said.

“Specific measures include mandating super contributions on paid parental leave and removing the $450 per month threshold for superannuation to be paid. This will also improve the retirement savings adequacy for low-income earners and casual participants in the workforce who often hold multiple jobs, many of whom are women.

“As an industry, this is something that is concerning for us, and we need to do everything we can to support women impacted by coronavirus, help them protect their wealth and rebuild as the economy recovers.”

However, one positive from the pandemic is that people are engaging more with their superannuation and retirement prospects, with an additional 16 per cent of Australians checking on their super balances since the pandemic, on top of the 42 per cent that already check frequently. 

“The good news is there are some simple ways to rebuild your nest egg and boost your retirement income, and we’re already seeing some Australians starting to tackle this. Our research found that many of us are willing to make sacrifices to get back on track, reducing spending and keeping a closer eye on our budgets, which is a positive sign,” Ms Power concluded.

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Australians are becoming increasingly gloomy about their retirement prospects, with many believing that the flow-on impact of COVID-19 will mean they will have to work longer, new research has found.

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An industry body has demanded the immediate release of the Retirement Income Review to the public, stating that by not doing so, the government is raising concerns around transparency and policy issues.

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Industry Super Australia (ISA) has called for the public release of the review, as the government was supposed to receive the much-awaited review documents on Friday, 24 July.

The organisation raised concerns around the nature of the review, stating that it was “unusual” that no draft was circulated for stakeholder comment.

It also took issue with the fact that the review is reliant on modelling created from data that is not available to the public or external experts.

ISA chief executive Bernie Dean commented: “The community knows that government faces a tough task, but we can’t have this review remaining hidden or used as part of a secret plan for super to create an Australia where there are those that can have a dignified retirement and those that can’t.”

According to Mr Dean, there are very real concerns that the withholding of the review could be used “as a stalking horse to erode the policies that underpin the system – compulsion, preservation, universality and a strong default system”.

In the interests of transparency, it is critical this report is immediately released to the public so that its findings can be tested and verified, a statement from ISA explained.

Through a more optimistic lens, the report has an opportunity to build on the successful super system with sensible evidence-based reform that helps provide members with a dignified retirement, addresses entrenched inequalities and tackles underperformance while strengthening the default system, ISA outlined.

It’s the first comprehensive review of the retirement system after almost 30 years of operation.

The industry group is calling for the review to be used “to strengthen and not undermine the policy foundations of Australia’s successful super system”.

Mr Dean said that while superannuation already acts as a great economic leveller for most Australians, “we need to do more to avoid us ending up as a divided nation, with millions of women and low-income earners scraping by just on the aged pension”.

According to the ISA, the only way to deliver a dignified retirement is to stick to the legislated increase to the super rate to 12 per cent.

Such an increase is more important than ever with the coronavirus downturn as well as the advent of the government’s early access to superannuation scheme, it said.

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An industry body has demanded the immediate release of the Retirement Income Review to the public, stating that by not doing so, the government is raising concerns around transparency and policy issues.

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A financial adviser answers this most commonly asked question.

Write comment (0 Comments) " ["fulltext"]=> string(1983) "

According to Stanford Brown private wealth adviser Todd Stanford, the answer really depends on a few factors, and the answering of a few questions.

Questions like: What is your net asset position now? Do you have the ability to save to add to your retirement capital? And what investment return is achieved?

It also is dependent on the level of tax you are paying (if any!), and importantly, how much it will actually cost to live your desired lifestyle.

“Some factors you can control – such as your level of savings and living expenses. But others are somewhat out of your control – such as the investment return,” Mr Stanford commented.   

Importantly, it does depend on discipline.

According to the adviser, a lack of discipline is one of the most common mistakes people make when it comes to money. “That is, not having a plan to get where they want to be financially so as to achieve their other lifestyle aspirations.”

“More and more people are starting to realise that financial advice is not all about investments and portfolio management,” he commented.

“While this is naturally important, a key benefit is the peace of mind a long-term relationship with a professional adviser can bring where our role is that of a trusted ‘sounding board’,” Mr Stanford outlined.

Calling it “critical” that advisers are actually able to add “real value” to their clients, the chartered accountant and certified financial planner said that “as a trusted adviser, we must understand our clients’ financial/tax affairs, have their best interests in mind, be accountable to them and available to provide guidance on holistic financial matters as and when they arise”.

“We would generally assist in every material ongoing financial decision they make and help weigh up the benefits and risks. This extends more and more to helping their children as well,” he continued.

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A financial adviser answers this most commonly asked question.

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Why are Aussie women statistically more likely to be underemployed and have less in super than men? Being a caregiver to both older and younger generations simultaneously plays a huge part, writes Helen Baker.

Write comment (0 Comments) " ["fulltext"]=> string(4901) "

It’s now 2020, and women are still yet to achieve full equality, especially when it comes to money. Australia’s gender pay gap is 13.9 per cent or $242.90 per week. Women are also overrepresented in the part-time and casual workforce and, on average, have 20.5 per cent less in superannuation than men.

A major part of this is that women are still the dominant caregivers. And increasingly, they are being called upon to do so for multiple generations.

I am seeing an increasing number of women who, while raising their children, are also the primary caregivers to ageing parents/parents-in-law. It’s a noble role, but one which sadly goes unrewarded financially.

Meeting the needs of their children and their elderly parents/in-laws is a delicate balancing act. Getting the kids to and from school, fed, clothed as well as to and from extracurricular activities like sport and music lessons, there’s the needs of elderly parents — housework, meal preparation, medication supervision, accompanying to medical appointments and errands etc.

Add the commute time between them, and it’s clear why full-time work is simply not an option for many, even if they are willing and qualified to do so.

Unintended ramifications

By being forced out of full-time work, women are being pushed into an increasingly fragile financial state later in life. Reduced income lessens their independence and equates to substantially less money in super once they reach retirement age.

Add to this the facts that many relationships break down and that women statistically outlive men by 4.2 years. Together, it means that many women face the prospect of financial ruin in their golden years, despite having worked their guts out their whole lives.

Is it any wonder that we’re now seeing women in their 50s and 60s becoming the new face of homelessness?

What can be done?

It’s a complicated issue with no easy fix or single solution. But the message we want to get out to women is, the first step is to recognise that there is a problem.

Ask yourself these two questions:

• Where do I want to be when I reach retirement age?
• What does my future look like with what I currently have?

Doing so can reveal a huge disconnect that you never realised, because your days are focused on playing taxi, chef, nurse, housekeeper, project manager and homework supervisor.

Once you know what you need to work towards, then you can develop a sturdy plan to get you there. That plan may, wisely, involve getting help from a financial adviser, accountant, tax specialist or other skilled professional, who can lay out the various options available to you.

Additionally, there are a few things I generally encourage women (and men) to take up that can make a material difference to their financial independence:

• Upskill yourself: While you’re not working full-time, enhance your qualifications and training. Those extra skills can make you more employable — and at a higher salary — once you are able to re-enter the workforce full-time.
• Examine your family’s living arrangements: Think creatively about how you all live and what efficiencies could be achieved. For example, can you add a granny flat in your backyard to keep your parents/in-laws close but still independent? Can they get professional carers, whether privately or publicly funded? Can they downsize to a smaller property?
• Consider super catch-up rules: A little-known rule essentially allows anyone with under $500,000 in super to make additional tax-deductible contributions. In effect, you can “catch up” on periods where there’s less or no new funds going into your super.
• Share financial decisions: Many women, for whatever reason, leave it to their partner to oversee joint finances. By not taking an active role in financial decisions, it can be tricky should your partner die suddenly or you separate. You may find out the decisions were not suitable for you, or you missed out on strategies, or they just didn’t do anything because they didn’t know what they didn’t know. 

Ultimately, it’s your future health and happiness on the line here. So many women say, “I didn’t know that” or “I wish I met you sooner”.  So, take an interest and make a plan — one that doesn’t involve the old head in the sand!

Helen Baker is a licensed Australian financial adviser and author.

Note: This is general advice only and you should seek advice specific to your circumstances.

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Why are Aussie women statistically more likely to be underemployed and have less in super than men? Being a caregiver to both older and younger generations simultaneously plays a huge part, writes Helen Baker.

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Older Australians are feeling “financially forgotten” by the government during the COVID-19 crisis.

Write comment (0 Comments) " ["fulltext"]=> string(4623) "

A new report from National Seniors Australia, COVID-19: Older Australians’ life and care during the pandemic, has collated responses from older Australians who are grappling with the impact of the coronavirus on their daily life to highlight the financial situation many older Australians are now finding themselves in.

It invited its members to share their experiences of the crisis, both to make the specific needs and perspectives of older Australians visible to the government and to inform the policy agenda on ageing.

According to analysis of respondent responses, “the economic impact of the COVID-19 crisis on retirement income emerged early in the survey period as a dominant issue for seniors”, while everyday living stress was very much compounded when cash interest rates dropped to the record-low 0.25 of a percentage point as an early response to the pandemic.

The impact of the collapsing sharemarket on superannuation was highlighted as a major issue for many respondents, with 20 per cent indicating they are now feeling financial stress as a result of COVID-19.

Many of those people pointed out that they are now worried about their future ability to support themselves.

National Seniors Australia also flagged “a strong sentiment that the serious plight of many self-funded retirees had been completely overlooked by the government”.

Highlighting this point, the report referenced the comments of this self-funded retiree: “This group don’t get government pensions, discounts off rates or utilities, healthcare cards etc. or any of the financial stimulus measures announced to date, but their fund balances have been slashed and financial strength dramatically hit.

“This group seems to have been forgotten in the current wave of support due to the worsening economy and get no recognition of their contribution to the economy by being self-sufficient.”

Another person queried the workings of the system: “We are self-funded retirees and rely totally on the rental income coming in, that is what we live on. Now the government has forced us not to evict our tenants for six months which we totally understand, but where does that leave us once they all stop paying rent? Where are we going to get money from in order to live — the rentals are all we have. We feel as if the government has totally forgotten about us seniors that are not entitled to pension or anything else.”

Yet another considered that, “once again, the government is throwing money at everyone EXCEPT the self-funded retirees”.

“Food and energy costs are increasing, the value of our super funds has fallen dramatically and they don’t even mention us,” the respondent said.

The lack of support has led to many older Australians having “expressed disappointment and disillusionment that their hard work, contribution and self-sufficiency appeared to be so undervalued”, according to National Seniors Australia.

One such comment provided for the report said the following: “As a self-funded retiree, I need to halve my super withdrawals so as not to deplete my nest egg; otherwise, I will need to draw on the pension later.

“However, that means that my income will nearly halve, and I will have to survive on less than $18,000 for the year. Yet no payments are made to people like me as I do not draw on anything from Centrelink or any other welfare. Seems people like me are simply hung out to dry. Always feel we battlers who have done without and saved for retirement are left out of government policies.”

Even those who are in receipt of the age pension took issue with being overlooked, noting the “relatively generous ongoing JobSeeker and JobKeeper payments compared to pension payments”.

Not only are older Australians feeling the financial brunt of the pandemic, but “being forgotten or overlooked as an older person during the crisis was a theme evident across many areas of life”, the report went on to consider.

There are a number of financial risks facing self-funded retirees at the moment. Here are the four biggest ones to be aware of. 

nestegg has recently highlighted why retirees and soon-to-be retirees need to reassess their finances right now.

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Older Australians are feeling “financially forgotten” by the government during the COVID-19 crisis.

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Services Australia has released a new statement to explain how an individual’s age plays a role in whether superannuation is assessed for the purpose of income and assets tests.

Write comment (0 Comments) " ["fulltext"]=> string(2502) "

According to the government department, how superannuation is assessed depends on a person’s age and whether or not they are drawing an income stream from the fund.

First of all though, it’s worth noting your age of eligibility for the age pension – this will have the most impact as to whether or not your superannuation will be considered as either an income or an asset.

What age can I receive the age pension?

If you were born between 1 January 1954 and 30 June 1955, your age pension age is 66 years old.

Anyone born between 1 July 1955 to 31 December 1965 will not be able to receive the age pension until they are 66 years and 6 months, with this rule coming into place from 1 July 2021.

For individuals born on or after 1 January 1957, the age pension will rise to 67 years – with this group of people able to access the age pension on the date they turn 67 from 1 July 2023.

If you are under age pension age:

For anyone who is under the age pension age, Services Australia has indicated that it will only count your super as part of your income and assets tests if your fund is paying you:

• A super pension; or
• An income stream

But if you withdraw your super, this may change.

While taking money out of your super doesn’t affect any Centrelink payments, what you do with the money may have an impact.

For instance, this money will be counted in your income and assets test if you:

• Use it to buy an income stream, or
• Put the money in the bank, or
• Buy another financial investment

If you have reached age pension age:

When you have reached the age where you are able to access the age pension, your super will be counted in both the income and assets tests, with the income test assessing your super as part of your financial assets.

Deeming rules will also be used to work out a deemed income amount.

The assets test will consider the balance on your latest statement, if it’s invested in an account-based fund, or the number of units multiplied by the latest unit price if it’s invested in a unitised fund.

Services Australia has also highlighted that the same rules apply to your partner and their super if they are of age pension age.

The rules even apply where they may not be getting a payment from Centrelink.

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Services Australia has released a new statement to explain how an individual’s age plays a role in whether superannuation is assessed for the purpose of income and assets tests.

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"2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "3" ["label"]=> string(17) "First article URL" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [8]=> object(stdClass)#4857 (32) { ["id"]=> string(1) "8" ["title"]=> string(18) "Second article URL" ["name"]=> string(18) "second-article-url" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-07-08 05:42:04" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "0" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#4605 (3) { ["data":protected]=> object(stdClass)#4608 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#4607 (3) { ["data":protected]=> object(stdClass)#4610 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "3" ["label"]=> string(18) "Second article URL" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [9]=> object(stdClass)#4856 (32) { ["id"]=> string(1) "9" ["title"]=> string(17) "Third article URL" ["name"]=> string(17) "third-article-url" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-07-08 05:42:42" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "0" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#4609 (3) { ["data":protected]=> object(stdClass)#4612 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#4611 (3) { ["data":protected]=> object(stdClass)#4614 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "3" ["label"]=> string(17) "Third article URL" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [4]=> object(stdClass)#4853 (32) { ["id"]=> string(1) "4" ["title"]=> string(9) "Video URL" ["name"]=> string(9) "video-url" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-19 05:54:21" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "1" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#4613 (3) { ["data":protected]=> object(stdClass)#4616 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#4615 (3) { ["data":protected]=> object(stdClass)#4618 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(9) "Video URL" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [6]=> object(stdClass)#4854 (32) { ["id"]=> string(1) "6" ["title"]=> string(33) "Image Caption / Video description" ["name"]=> string(31) "image-caption-video-description" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-25 16:29:55" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "2" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#4617 (3) { ["data":protected]=> object(stdClass)#4620 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#4619 (3) { ["data":protected]=> object(stdClass)#4622 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(33) "Image Caption / Video description" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [3]=> object(stdClass)#4849 (32) { ["id"]=> string(1) "3" ["title"]=> string(6) "Status" ["name"]=> string(6) "status" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-20 01:45:26" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "3" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#4621 (3) { ["data":protected]=> object(stdClass)#4627 (1) { ["options"]=> object(stdClass)#4625 (2) { ["options0"]=> object(stdClass)#4624 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#4626 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#4623 (3) { ["data":protected]=> object(stdClass)#4629 (10) { ["hint"]=> string(0) "" ["class"]=> string(9) "btn-group" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(5) "radio" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(6) "Status" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [5]=> object(stdClass)#4852 (32) { ["id"]=> string(1) "5" ["title"]=> string(22) " Essential information" ["name"]=> string(21) "essential-information" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-25 06:10:20" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "4" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#4628 (3) { ["data":protected]=> object(stdClass)#4631 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#4630 (3) { ["data":protected]=> object(stdClass)#4633 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(22) " Essential information" ["description"]=> string(35) "3 points that summarize the article" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [2]=> object(stdClass)#4862 (32) { ["id"]=> string(1) "2" ["title"]=> string(14) "Embedded Video" ["name"]=> string(14) "embedded-video" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-20 01:43:32" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "5" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#4632 (3) { ["data":protected]=> object(stdClass)#4635 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#4634 (3) { ["data":protected]=> object(stdClass)#4637 (10) { ["hint"]=> string(29) "Paste your embedded code here" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(14) "Embedded Video" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(70) "/retirement/planning/accessing-the-age-pension-and-the-impact-of-super" ["image"]=> string(50) "images/article-826x550/retirees-walking-dog-ne.jpg" ["image_alt"]=> string(11) "age pension" } }