Category Archives: Income, assets and living standards

The Retirement Income ‘Eco-system’ 2. Decumulation/Self-Funding

Judith Davey 5/10/2018 It has always been possible for people to contribute to their retirement incomes from their own resources – from earnings, savings and investments and by running down these assets – a process known as decumulation – assuming … Continue reading

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New Zealand’s Retirement Income ‘Eco-system’ – 1 Government contribution

Judith Davey 21/09/2018 When we think of retirement income policy we usually think first of New Zealand Superannuation (NZS). For many older people this is their main or only source of income. But, when you come to think of it, … Continue reading

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A new idea to fund your retirement

Dr Judith Davey 15/06/2018 Many of the (many) discussions about retirement income and about the financial aspects of retirement, talk about the “three pillars” model (originally put out by the World Bank in the 1990s), recognising that income in retirement … Continue reading

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Using income and assets in retirement; Decumulation – the sequel

Judith Davey Income and Assets in Retirement On average, the incomes of older people are low and, once they have left the paid workforce, they have few ways to augment them. In a recent survey, the CFFC found that almost … Continue reading

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Decumulation and the three Ds

Judith Davey In a previous blog I mentioned the current Review of Retirement Income Policy. Among its terms of reference is the requirement to look at “decumulation and how retirees manage their assets”. Decumulation – it is not even in … Continue reading

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What Are We Saving For? Using assets in retirement – Leaving something for the kids

What Are We Saving For? Using assets in retirement How important is it to leave an inheritance for your children? What do the “children” expect? The answer will tell us whether older people might consider using housing wealth to improve … Continue reading

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What Are We Saving For? Using assets in retirement – Commercial Equity Release schemes

What Are We Saving For? Using assets in retirement The most common type of wealth-holding by older people is home ownership. A mortgage-free home represents a lifetime of accumulated savings. How can this asset be used in the lifetime of … Continue reading

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