Category Archives: Retirement Planning

Client: “Do I have enough to retire?” | Your Reply: ……….?

When it comes to superannuation and retirement, this is a question you’ve no doubt heard before. The answer involves a tricky balance of cashflow modelling, investment forecasting and risk management. For many SMSFs, the question of “how much is enough” means they face retirement with uncertainty and trepidation, despite having a decent amount of wealth. […]

Talking about money

This article is not about Apricot (although we do aspire to have good branding). Here we’re simply observing a few other companies whose marketing and design styles we like. [We are not endorsing the companies in any way!] Too often, financial firms revert to jargon and detail and assume everyone is very ‘left brain’. But […]

Longevity tables, the basis for ensuring your money lasts, need new life

“To have more than a coin-toss chance that a person’s retirement planning horizon is sufficient, you need to look at the timeframe that gives 80% or more certainty of being sufficient,” the Institute says in a research note to financial planners. It goes on to say that while there is uncertainty around how long any […]

Robust Retirement Outcomes

Most retired households will have a mix of assets at retirement with the most common being superannuation, home, and savings outside of superannuation. To complicate matters, retirees face two huge unknowns: What investment returns will be during their retirement; and How long they, and their spouse, might live. This uncertainty makes turning capital into lifetime […]