TY - JOUR T1 - Blending Growth, Income, and Protection to Create Default Post-Retirement Solutions for Australia and Hong Kong JF - The Journal of Retirement DO - 10.3905/jor.2018.2018.1.036 SP - jor.2018.1.036 AU - Lesley-Ann Morgan AU - Paul Marsden AU - Clement Yong AU - Sean Markowicz Y1 - 2018/01/02 UR - https://pm-research.com/content/early/2018/01/02/jor.2018.2018.1.036.abstract N2 - 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. ER -