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The Journal of Retirement

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Article

Blending Growth, Income, and Protection to Create Default Post-Retirement Solutions for Australia and Hong Kong

Lesley-Ann Morgan, Paul Marsden, Clement Yong and Sean Markowicz
The Journal of Retirement Winter 2018, jor.2018.1.036; DOI: https://doi.org/10.3905/jor.2018.2018.1.036
Lesley-Ann Morgan
Global Head of Defined Contribution and Retirement at Schroder Investment Management Limited in London, England
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Paul Marsden
is a strategist in Global Defined Contribution at Schroder Investment Management Limited in London, England
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Clement Yong
is a strategist in Research and Thought Leadership at Schroder Investment Management Limited in London, England
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Sean Markowicz
is a strategist in Research and Thought Leadership at Schroder Investment Management Limited in London, England
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Abstract

With populations aging, governments, providers, and sponsors are increasing their focus on post-retirement solutions. The ideal approach is to tailor a solution to an individual’s circumstances, but this is generally not practical in a mass market—so creating a default solution that is suitable for the majority, if not all, has become the aim. This paper looks at examples from Australia and Hong Kong, where recent policy announcements about a desire to improve outcomes for retirees provide interesting case studies. Taking state pension provisions into consideration, we find that retirees need a combination of protection and growth in order to deliver the income required for a comfortable retirement.

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The Journal of Retirement: 8 (3)
The Journal of Retirement
Vol. 8, Issue 3
Winter 2021
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Blending Growth, Income, and Protection to Create Default Post-Retirement Solutions for Australia and Hong Kong
Lesley-Ann Morgan, Paul Marsden, Clement Yong, Sean Markowicz
The Journal of Retirement Jan 2018, jor.2018.1.036; DOI: 10.3905/jor.2018.2018.1.036

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Blending Growth, Income, and Protection to Create Default Post-Retirement Solutions for Australia and Hong Kong
Lesley-Ann Morgan, Paul Marsden, Clement Yong, Sean Markowicz
The Journal of Retirement Jan 2018, jor.2018.1.036; DOI: 10.3905/jor.2018.2018.1.036
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  • Article
    • Abstract
    • THE COMPONENTS REQUIRED FOR A SUCCESSFUL POST-RETIREMENT SOLUTION
    • APPLYING THEORY TO THE DEVELOPMENT OF A DEFAULT
    • HOW MUCH DOES THE “AVERAGE” INDIVIDUAL NEED AT RETIREMENT?
    • DESIGNING AUSTRALIA’S POST-RETIREMENT DEFAULT SOLUTION
    • DESIGNING HONG KONG’S POST-RETIREMENT DEFAULT SOLUTION
    • THE PRACTICALITIES OF DELIVERING A POST-RETIREMENT DEFAULT
    • CONCLUSION
    • APPENDIX
    • ENDNOTES
    • REFERENCES
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  • PDF

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  • Editor’s Letter
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