Category Archives: Income, assets and living standards

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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What Are We Saving For? Using assets in retirement – Mobilising wealth tied up in housing

What Are We Saving For? Using assets in retirement If we had saved $400,000 through our lifetime why wouldn’t we use the money to make our retirement years more enjoyable and comfortable? Many older people are sitting on funds of … Continue reading

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What Are We Saving For? Using assets in retirement.

Throughout our lives we accumulate assets in the form of money, housing and all kinds of possessions. What for? Do we draw down on our wealth to preserve our standard of living in old age; keep them for a “rainy … Continue reading

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How do expenditure patterns change with age?

In earlier blogs I have talked about income adequacy in later life and also about differences within the older age groups – how lumping everyone aged 65 plus together can obscure diversity among older people. A few years ago I … Continue reading

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