Retirement Planning
With nestegg, learn all the things you need to know about effective retirement planning. Get updated features and guides that can help you understand retirement savings, improve financial literacy, and learn the value of financial planning.
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Those nearing retirement are starting to ask the right questions.
" ["fulltext"]=> string(3331) "As more and more Aussies approach retirement, they’re growing in both their optimism and engagement on the topic.
According to Investment Trends’ 2021 Retirement Income Report, the majority of Australians over the age of 40 are ready for retirement.
What’s more, Investment Trends associate research director Kurt Mayell said that pre-retirees now expect their savings to last seven years longer than they did a year ago.
“For the first time in five years, one in two retirees expects their retirement savings will outlast their years in retirement,” he said.
The report broadly found that optimism among the yet-to-retire has grown, with 16 per cent claiming to be well prepared while 45 per cent described themselves as ‘somewhat prepared’.
The report also noted an increase in concern among pre-retirees regarding recent regulatory changes.
“We are seeing the prospect of regulatory changes impacting peace of mind for many Australians either heading towards or in retirement,” Mr Mayell said.
Whilst illness remained the most pressing concern for many pre-retirees, the number of them worried about new regulatory changes doubled from 19 per cent to 41 per cent over the last year.
Investment Trends found that one in two Australians aged over 40 enquired about estate planning over the past 12 months, with those who do not yet have such a plan welcoming information about superannuation death benefits and wealth preservation.
“With an improved retirement outlook more Australians say they would eventually like to leave the balance of their super to their heirs, welcoming increased estate planning advice and content,” Mr Mayell said.
Eighty per cent of those surveyed said that the main asset they’d be passing on to their family would be a home, while 53 per cent saw their super fund as their biggest contribution in the event of their death.
Mr Mayell said that the discussion around the development of the Retirement Income Covenant couldn’t have come at a better time.
While the data suggested that the overall sentiment around retirement among Australians is positive, he said that many consumers are either unaware of or unconvinced by the retirement income products offered by their current super fund.
When the retirement income covenant comes into effect from 1 July 2022, it will codify new obligations for superannuation trustees when it comes to how they handle members approaching retirement.
“There are enormous opportunities for super funds to provide clarity about the pension products and strategies they offer,” he said.
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Those nearing retirement are starting to ask the right questions.
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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(84) "/retirement/planning/1-in-2-aussie-retirees-now-expect-their-savings-to-outlast-them" ["image"]=> string(50) "images/article-826x550/retirement-piggybank-ne.jpg" ["image_alt"]=> string(16) "retirees savings" } [1]=> object(stdClass)#7880 (57) { ["id"]=> int(17769) ["title"]=> string(68) "Less than half of super fund members expect a comfortable retirement" ["alias"]=> string(68) "less-than-half-of-super-fund-members-expect-a-comfortable-retirement" ["introtext"]=> string(144) "The older you are, the more likely you are to feel optimistic about retiring from the workforce.
" ["fulltext"]=> string(3578) "New insights into how Aussies feel about retirement may prove useful for super funds looking to think about life beyond accumulation.
According to research published by Challenger, just 40 per cent of super fund members expect to have a comfortable retirement.
What’s more, the data showed a clear trend where those closer to retirement were typically more optimist about it.
Forty-six per cent of surveyed Australians older than 55 expected to have a comfortable retirement, compared with 35 per cent of those under 55 years of age.
Challenger’s head of retirement income research Aaron Minney attributed this disparity to the difference in savings between younger and older cohorts.
The short version: since they’ve had more time to grow their nest eggs, older Australians were more likely to see the evidence and benefits of compound interest working in their favor.
“Aside from the obvious, that people with less savings are more worried about their finances in retirement, the survey also highlighted that; women, people under 65 and those expecting a basic lifestyle are more likely to be concerned about outliving their retirement savings,” he said.
While 54 per cent of the already-retired considered their lifestyle to be comfortable, Mr Minney also noted that many members were unaware of longevity risk and how to manage it.
“There is this one-sided concern that they might outlive their savings rather than also thinking about solutions that can provide secure lifetime income,” he said.
When asked for their plan B, Challenger found that 57 per cent of respondents said that they would look to change their spending habits to manage the risk of running out of money.
Those who had taken the time to prepare a plan tended to have fewer concerns than those who didn’t.
Thirty-nine per cent of those with a plan said they weren’t concerned about outliving their savings, with 17 per cent of those without a plan said to be equally carefree.
That being said, 47 per cent of those with a plan admitted that it was a mental one.
Though those over the age of 70 were twice as likely to have one, only 13 per cent had a formal plan in place overall.
In light of the introduction of the federal government’s new retirement income covenant, Mr Minney said that these insights could prove to be a useful starting point for super funds looking to get a better sense of how members feel about their retirement.
“It’s really clear that the majority of members are concerned about outliving their savings so it will be important for funds to find solutions that will help overcome this concern, support members with plans that help them understand retirement risks, and ultimately lead to better financial outcomes for their members,” he said.
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The older you are, the more likely you are to feel optimistic about retiring from the workforce.
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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(89) "/retirement/planning/less-than-half-of-super-fund-members-expect-a-comfortable-retirement" ["image"]=> string(50) "images/article-826x550/retirees-walking-dog-ne.jpg" ["image_alt"]=> string(10) "retirement" } [2]=> object(stdClass)#7879 (57) { ["id"]=> int(17745) ["title"]=> string(46) "Is it time for retirees to retire the 4% rule?" 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" ["fulltext"]=> string(4437) "Conventional wisdom when it comes to retirement may be in need of an update.
According to Morningstar senior investment analyst Shani Jayamanne, the 4 per cent withdrawal rate typically used by retirees may be too aggressive in today’s economic climate.
“All things being equal, we suggest retirees should instead target a 3.3 per cent withdrawal rate,” she recommended.
While Ms Jayamanne admitted that the question of how much money is needed for retirement was a complex one, she said that a lack of clarity around mortality has led to widespread adoption of the 4 per cent rule.
She said that this shorthand approach to wealth management had become the go-to default over a more holistic consideration of whether or not it actually meets the needs of a given modern retiree.
“The 4 per cent rule is the basis of retirement plans across the world, heralded as a ‘safe’ withdrawal rate from your portfolio,” she said.
In practice, the 4 per cent isn’t valuable because it provides a goalpost but because it provides investors a way of easily estimating the amount of money they need for retirement.
“A few simple calculations and the 4 per cent withdrawal rate leads to the magic number that is the lump sum you need in retirement,” she explained.
However, Ms Jayamanne said the assumptions and objectives underpinning this particular approach to wealth management are largely reflective of the economic conditions in which it became popular.
The 4 per cent rule was popularised by US financial adviser Bill Bengen back in 1994, who undertook a study to better understand how much his clients could take out of their portfolios without running out of money.
According to Ms Jayamanne, Mr Bengen’s strategy sought to solve the retirement issues presented by the sequencing of returns.
“In times of falling markets, taking money out of your account to pay for your expenses means you don’t have time to save and invest to make up for poor returns. This means that it is difficult to make up for the poor returns you received early in retirement,” she explained.
The issue here is that Bengen’s research was primarily based on back-testing, which meant that it only factored into account historical circumstances.
“Understanding the past is necessary, but it is insufficient for anticipating the future,” Ms Jayamanne said.
She argued that retirement forecasts that incorporate current conditions are much more useful than those that rely on older data.
Mr Bengen’s analysis was done in an economic environment quite different to today’s combination of low bond yields, high stock valuations and rising inflation.
“After looking at the state of the market, it is clear that the low return environment requires investors to create a little wiggle room,” she said.
One way of achieving this is flexible withdrawal strategies.
Ms Jayamanne said that flexible and guardrail strategies could ensure that retirees don’t overspend in periods where the market is weak while also boosting their returns during booms.
”If these withdrawal strategies sound complex it is because they are complex. That is the beauty of the 4 per cent rule which gives you a single withdrawal percentage increased by inflation,” she said.
“It doesn’t require sacrifice and it doesn’t require complex annual calculations to decide what you will spend.”
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New economic realities are challenging long-held assumptions about how retirees should tap into their wealth.
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["data":protected]=> object(stdClass)#8112 (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":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(14) "Embedded Video" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(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"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(65) "/retirement/planning/is-it-time-for-retirees-to-retire-the-4-rule" ["image"]=> string(48) "images/article-826x550/retired-old-couple-ne.jpg" ["image_alt"]=> string(8) "retirees" } [3]=> object(stdClass)#7878 (57) { ["id"]=> int(17705) ["title"]=> string(71) "Modern retirement means more than just spending time with the grandkids" ["alias"]=> string(71) "modern-retirement-means-more-than-just-spending-time-with-the-grandkids" ["introtext"]=> string(112) "How are today’s retirees really spending their time and money?
" ["fulltext"]=> string(2901) "It turns out that the realities of retirement are far more diverse than the stereotypes of travel, gardening and looking after grandchildren suggest.
According to data shared by The Moreton Group, the biggest purchases made by the newly retired vary more than many might expect.
The Moreton Group found that approximately 40 per cent of those surveyed celebrated their retirement with a holiday or vehicle.
Meanwhile, approximately 60 per cent purchased everything from spas and jewellry to motorbikes and sports equipment.
The Moreton Group managing director Cameron Dickson said that modern retirees have no trouble filling their time.
The company’s retired clientele do everything from setting up a hobby farm to writing a novel.
Regardless of the flavour of an individual’s requirement, Mr Dickson emphasised the importance of thinking about it ahead of time.
“When we help people identify what they might like to do in retirement, we can develop a plan to achieve that, and it quite often means retiring earlier,” he said.
Everyone is different, but Mr Dickson said that looking at what others have done with their retirement can be a mistake for those approaching their own.
“Some people invest their money, get very serious about a hobby or interest or take on very large projects.”
As with other major personal finance milestones, Mr Dickinson argued that planning for retirement was essential.
“We simply have to think about what we enjoy and then find out what’s possible,” he said.
However, recent research has shown that Australian attitudes towards retirement haven’t changed all that much over the past 20 years.
Back in 2001, research found that the average age of those looking for the advice needed to plan for retirement was approximately 58 years of age. In 2021, that number rose to 59 years of age.
“People don’t plan for retirement like they do other financial milestones. They plan to pay off a house, start a business, pay for their children’s education, support their children’s wedding and even fund their own death, but not their retirement,” Mr Dickson said.
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It turns out that the realities of retirement are far more diverse than the stereotypes of travel, gardening and looking after grandchi" ["access"]=> int(1) ["hits"]=> int(1110) ["featured"]=> int(0) ["language"]=> string(1) "*" ["readmore"]=> int(2901) ["ordering"]=> int(15) ["featured_up"]=> NULL ["featured_down"]=> NULL ["state"]=> int(1) ["category_title"]=> string(19) "Retirement Planning" ["category_route"]=> string(19) "retirement/planning" ["category_access"]=> int(1) ["category_alias"]=> string(8) "planning" ["category_language"]=> string(1) "*" ["published"]=> int(1) ["parents_published"]=> int(1) ["lft"]=> int(68) ["author"]=> string(15) "Fergus Halliday" ["author_email"]=> string(36) "[email protected]" ["modified_by_name"]=> string(14) "Justine Nifras" ["parent_title"]=> string(10) "Retirement" ["parent_id"]=> int(296) ["parent_route"]=> string(10) "retirement" ["parent_alias"]=> string(10) "retirement" ["parent_language"]=> string(1) "*" ["alternative_readmore"]=> NULL ["layout"]=> NULL ["params"]=> object(Joomla\Registry\Registry)#923 (3) { ["data":protected]=> object(stdClass)#7838 (95) { ["article_layout"]=> string(14) "momentum:newne" ["show_title"]=> string(1) "1" ["link_titles"]=> string(1) "1" ["show_intro"]=> string(1) "0" ["info_block_position"]=> string(1) "0" ["info_block_show_title"]=> string(1) "1" ["show_category"]=> string(1) "1" ["link_category"]=> string(1) "1" ["show_parent_category"]=> string(1) "0" ["link_parent_category"]=> string(1) "0" ["show_associations"]=> string(1) "0" ["flags"]=> string(1) "1" ["show_author"]=> string(1) "1" ["link_author"]=> string(1) "0" ["show_create_date"]=> string(1) "0" ["show_modify_date"]=> string(1) "1" ["show_publish_date"]=> string(1) "1" ["show_item_navigation"]=> string(1) "1" ["show_vote"]=> string(1) "1" ["show_readmore"]=> string(1) "1" ["show_readmore_title"]=> string(1) "1" ["readmore_limit"]=> string(3) "100" ["show_tags"]=> string(1) "0" ["show_icons"]=> string(1) "1" ["show_print_icon"]=> string(1) "1" ["show_email_icon"]=> string(1) "1" ["show_hits"]=> string(1) "1" ["record_hits"]=> string(1) "1" ["show_noauth"]=> string(1) "0" ["urls_position"]=> string(1) "0" ["captcha"]=> string(0) "" ["show_publishing_options"]=> string(1) "1" ["show_article_options"]=> string(1) "1" ["save_history"]=> string(1) "1" ["history_limit"]=> int(10) ["show_urls_images_frontend"]=> string(1) "0" ["show_urls_images_backend"]=> string(1) "1" ["targeta"]=> int(0) ["targetb"]=> int(0) ["targetc"]=> int(0) ["float_intro"]=> string(4) "left" ["float_fulltext"]=> string(5) "right" ["category_layout"]=> string(14) "momentum:newne" ["show_category_heading_title_text"]=> string(1) "1" ["show_category_title"]=> string(1) "1" ["show_description"]=> string(1) "0" ["show_description_image"]=> string(1) "0" ["maxLevel"]=> string(2) "-1" ["show_empty_categories"]=> string(1) "0" ["show_no_articles"]=> string(1) "1" ["show_subcat_desc"]=> string(1) "1" ["show_cat_num_articles"]=> string(1) "0" ["show_cat_tags"]=> string(1) "1" ["show_base_description"]=> string(1) "1" ["maxLevelcat"]=> string(2) "-1" ["show_empty_categories_cat"]=> string(1) "0" ["show_subcat_desc_cat"]=> string(1) "1" ["show_cat_num_articles_cat"]=> string(1) "1" ["num_leading_articles"]=> string(2) "14" ["num_intro_articles"]=> string(1) "0" ["num_columns"]=> string(1) "0" ["num_links"]=> string(1) "0" ["multi_column_order"]=> string(1) "0" ["show_subcategory_content"]=> string(2) "-1" ["show_pagination_limit"]=> string(1) "0" ["filter_field"]=> string(4) "hide" ["show_headings"]=> string(1) "1" ["list_show_date"]=> string(9) "published" ["date_format"]=> string(0) "" ["list_show_hits"]=> string(1) "0" ["list_show_author"]=> string(1) "1" ["orderby_pri"]=> string(4) "none" ["orderby_sec"]=> string(5) "rdate" ["order_date"]=> string(9) "published" ["show_pagination"]=> string(1) "2" ["show_pagination_results"]=> string(1) "1" ["show_featured"]=> string(4) "show" ["show_feed_link"]=> string(1) "1" ["feed_summary"]=> string(1) "0" ["feed_show_readmore"]=> string(1) "0" ["sef_advanced"]=> int(1) ["sef_ids"]=> int(1) ["custom_fields_enable"]=> string(1) "1" ["show_page_heading"]=> NULL ["layout_type"]=> string(4) "blog" ["menu_text"]=> int(1) ["menu_show"]=> int(1) ["page_title"]=> string(70) "Retirement - Strategies and Guides for your Retirement Goals | nestegg" ["menu-meta_description"]=> string(191) "We all want to enjoy our retirement, so Nest Egg has compiled a dedicated section to superannuation options, retirement planning, and what you can do to get the most out of your golden years." 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How are today’s retirees really spending their time and money?
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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(92) "/retirement/planning/modern-retirement-means-more-than-just-spending-time-with-the-grandkids" ["image"]=> string(54) "images/article-826x550/old-couple-in-retirement-ne.jpg" ["image_alt"]=> string(10) "retirement" } [4]=> object(stdClass)#7877 (57) { ["id"]=> int(17649) ["title"]=> string(59) "Retirement costs spike at the fastest rate in over a decade" ["alias"]=> string(59) "retirement-costs-spike-at-the-fastest-rate-in-over-a-decade" ["introtext"]=> string(102) "Retirees have been hit hard by higher living costs, including fuel prices and property rates.
" ["fulltext"]=> string(2775) "A new report by the Association of Superannuation Funds of Australia (ASFA) has found that the cost of retirement has spiked by up to 3 per cent in the past year.
The ASFA Retirement Standard for the September quarter said that singles aged around 65 currently need $45,239 per year for a comfortable retirement, 3 per cent higher than a year ago and 1 per cent more than in the previous quarter.
Retired couples need to budget $63,799 to live comfortably each year, an increase of 2.8 per cent annually and 0.9 per cent compared to last quarter.
ASFA said that the annual rises were the biggest it had recorded since 2010, and the quarterly rises were higher than the 0.8 per cent increase to inflation measured by the ABS.
“Australian retirees are now facing significant pressure on their budgets, given a range of unavoidable price hikes including petrol and council rates,” said ASFA deputy CEO Glen McCrea.
During the quarter, fuel prices climbed 7.1 per cent and are 24.6 per cent higher than a year earlier, while property rates moved 3.3 per cent higher as many councils increased their rates following smaller rises, rebates and freezes in the previous year.
Retirees have also felt the pressure of higher furniture costs (+3.8 per cent) and vehicle prices (+1.4 per cent), along with higher costs for domestic holidays (+3.8 per cent) and increased prices for restaurant meals (+1.6 per cent) and takeaway food (+1.3 per cent).
“It’s critical that future retirees are able to build sufficient retirement savings to ensure they can have dignity, health, vitality and connection in retirement,” said Mr McCrea.
A modest retirement is estimated to cost couples $41,446 per year and singles $28,775 per year.
ASFA said that the increase in the superannuation guarantee to 12 per cent, which is currently set to rise in stages until July 2025, was important to help future generations remain confident that they will be able to meet the financial challenges of retirement.
Many low-income earners are set to benefit from amendments to superannuation law introduced into Parliament last month that will remove the $450 per month income threshold for superannuation guarantee contributions.
The changes would benefit an estimated 300,000 Australians, 63 per cent of whom are female.
ASFA has also recently drawn attention to the risks posed by climate change, which could see the superannuation industry potentially lose billions of dollars.
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Retirees have been hit hard by higher living costs, including fuel prices and property rates.
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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(80) "/retirement/planning/retirement-costs-spike-at-the-fastest-rate-in-over-a-decade" ["image"]=> string(46) "images/article-826x550/old-couple-couch-ne.jpg" ["image_alt"]=> string(22) "Retirement costs spike" } [5]=> object(stdClass)#7876 (57) { ["id"]=> int(17618) ["title"]=> string(54) "Downsizing is on the rise, but many are doing it wrong" ["alias"]=> string(53) "downsizing-is-on-the-rise-but-many-are-doing-it-wrong" ["introtext"]=> string(94) "Decluttering and downsizing go hand-in-hand.
" ["fulltext"]=> string(3224) "Plenty of Australians are rethinking how much space they need to live, but those looking to downsize can sometimes make the process more difficult than it needs to be.
According to data released by Knight Frank earlier this year, those looking to downsize or rightsize their living situation are on the rise.
Knight Frank head of residential research Michelle Ciesielski said that rightsizers have remained active in the Australian property market over the past year, despite the pandemic and particularly within the high-end of Australia’s residential property market.
“Although the pandemic encouraged standalone prime house price performance to overtake the apartment market, it also accelerated the concept of the co-primary home,” she said.
According to Ms Ciesielski, many rightsizers are looking for a bolthole in the city ahead of business activity returning to pre-pandemic conditions.
“Over the coming years, we will see increasing numbers of rightsizers who are seeking a low-maintenance home as their main residence, given the transient global lifestyle that will return for many of the ultra-wealthy population,” she explained.
However, there are a number of pitfalls that those looking to downsize or rightsize should remain wary of if they want the process as painless as it can be.
Storage experts Dave and Briar Strutton said that downsizing could be confronting for many Australians and even traumatic for some.
“By planning and allocating time to assess possessions, people can have a positive experience by surrounding themselves with items that honour the past and support their future,” Mrs Strutton said.
According to her, an unwillingness to let go of possessions you don’t need or care about is likely to weigh down those looking to downsize.
To avoid this burden, Mrs Strutton recommended taking a more forward-facing approach.
“The new space should reflect your personality and current interests,” she advised.
Of course, that’s not to say that those looking to downsize or right size should throw out every memento of the past.
Mr Strutton recommended only holding onto the possessions that bring you joy and great memories, emphasising the importance of making and taking the time to go through the process in a thoughtful way.
“If you have a house full of stuff, start the declutter process now; it can be cathartic and help you identify how you want to live the next stage of your life.”
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Decluttering and downsizing go hand-in-hand.
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NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [9]=> object(stdClass)#8479 (33) { ["id"]=> int(9) ["title"]=> string(17) "Third article URL" ["name"]=> string(17) "third-article-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-08 05:42:42" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8061 (3) { ["data":protected]=> object(stdClass)#8051 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8054 (3) { ["data":protected]=> object(stdClass)#8059 (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":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(17) "Third article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(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"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [4]=> object(stdClass)#8477 (33) { ["id"]=> int(4) ["title"]=> string(9) "Video URL" ["name"]=> string(9) "video-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-19 05:54:21" ["created_user_id"]=> int(2351) ["ordering"]=> int(1) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8058 (3) { ["data":protected]=> object(stdClass)#8056 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8057 (3) { ["data":protected]=> object(stdClass)#8093 (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":protected]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(9) "Video URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(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"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [6]=> object(stdClass)#8476 (33) { ["id"]=> int(6) ["title"]=> string(33) "Image Caption / Video description" ["name"]=> string(31) "image-caption-video-description" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-25 16:29:55" ["created_user_id"]=> int(2351) ["ordering"]=> int(2) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8053 (3) { ["data":protected]=> object(stdClass)#8095 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8092 (3) { ["data":protected]=> object(stdClass)#8097 (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":protected]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(33) "Image Caption / Video description" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(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"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [3]=> object(stdClass)#8486 (33) { ["id"]=> int(3) ["title"]=> string(6) "Status" ["name"]=> string(6) "status" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:45:26" ["created_user_id"]=> int(2351) ["ordering"]=> int(3) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8094 (3) { ["data":protected]=> object(stdClass)#8102 (1) { ["options"]=> object(stdClass)#8100 (2) { ["options0"]=> object(stdClass)#8099 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#8101 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8096 (3) { ["data":protected]=> object(stdClass)#8104 (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":protected]=> string(1) "." } ["type"]=> string(5) "radio" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(6) "Status" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(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"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [5]=> object(stdClass)#8383 (33) { ["id"]=> int(5) ["title"]=> string(22) " Essential information" ["name"]=> string(21) "essential-information" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-25 06:10:20" ["created_user_id"]=> int(2351) ["ordering"]=> int(4) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8098 (3) { ["data":protected]=> object(stdClass)#8106 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8103 (3) { ["data":protected]=> object(stdClass)#8108 (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":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(22) " Essential information" ["description"]=> string(35) "3 points that summarize the article" ["required"]=> int(0) ["only_use_in_subform"]=> int(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"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [2]=> object(stdClass)#8474 (33) { ["id"]=> int(2) ["title"]=> string(14) "Embedded Video" ["name"]=> string(14) "embedded-video" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:43:32" ["created_user_id"]=> int(2351) ["ordering"]=> int(5) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8105 (3) { ["data":protected]=> object(stdClass)#8110 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8107 (3) { ["data":protected]=> object(stdClass)#8112 (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":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(14) "Embedded Video" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(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"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(74) "/retirement/planning/downsizing-is-on-the-rise-but-many-are-doing-it-wrong" ["image"]=> string(51) "images/article-826x550/big-house_small-house_ne.jpg" ["image_alt"]=> string(10) "Downsizing" } }Subscribe to our newletters
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