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Portfolio Manager at Lazard Asset Management, Aaron Binstead, joins host Grace Ormsby in this episode of the nestegg podcast to dissect Australia’s current ‘soft’ financial climate, and why defensive investing could be the right strategy for a multitude of investors.

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Aaron defines defensive investing comparing it to conservative investment options, analyses the types of investors who should be considering it as an investment strategy, and provides examples of industries where Lazard Asset Management predict growth for investors – also delving into the criteria they assess investments against.

With diversification an important part of a thriving investment portfolio, Aaron reveals some of the diversification mistakes that investors make, what SMSF investors should consider when selecting investment opportunities, and how investment decisions can impact an individual’s portfolio.

Thanks Aaron, for sharing your insights with the Nest Egg podcast team!

You can keep up to date with what Aaron is up to HERE

Have an investment story to share? Get in touch at [email protected] and you might get featured on the next episode.

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Wednesday, 23 October 2019

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Retirement

Retiring later a double-edged sword for society

By Lucy Dean · March 19 2018

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Retirement

Retiring later a double-edged sword for society

By Lucy Dean
March 19 2018

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Retiring later a double-edged sword for society

By Lucy Dean · March 19 2018

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Australians continue to increase their anticipated age of retirement, but the trend has positive and negative consequences, Roy Morgan has said.

According to its latest analysis, the average age of Aussies planning to retire in the next year is 61.9. That’s up from 58.2 in 2014.

However, while we are planning to retire later, the sheer volume of intending retirees continues to grow. It’s currently at 415,000, up from 392,000 in 2014 and 326,000 in 2008.

To Norman Morris, Roy Morgan’s industry communications director, this increase will have a number of impacts on the Australian workforce.

He explained, “Currently, the Australian government faces twin financial pressures on funding the age pension, from an increase in life expectancy and inadequate personal retirement savings. Given this situation, it is a positive finding in this research that there has been a gradual increase in the age of intending retirees.

“This results potentially in a longer period of paying tax, increased savings and as a result less time on the pension, possibly at a reduced level.”

At the same time, an older workforce could also mean less employment opportunities for younger workers, Mr Morris said.

He elaborated, “One drawback of delayed retirement is that it may increase unemployment, with older workers occupying positions that younger people might otherwise have filled.”

The average age of women planning to retire in the next year is increasing at a faster rate than their male counterparts, Roy Morgan also revealed.

While the average age of intending retirees increased from 57.5 in 2008 to 61.9 in 2017, the average intending age of female pre-retirees has grown from 55.5 in 2008 to 61.8 in 2017. That’s an increase of 6.3 years.

Over the same period, the intending age of Aussie men has increased by just 2.9 years, from 59.1 to 62.0

“This more rapid increase in retirement age for females is likely to be at least partly as a result of the increasing awareness that they generally have a lower level of retirement funding than males and as a result they need to work longer,” Roy Morgan said.

Mr Morris added that the faster increase in the age of female retirees intending to retire is a positive trend.

“This has now reached the stage where the intended age of retirement is almost identical for both sexes, enabling greater savings potential for females heading into retirement.”