The Conexus Institute welcomes the Government's latest YFYS performance test consultation - but see it as meaningful rather than transformative progress.

Explores the potential for, and impacts of, a prolonged period of weak investment returns.

Podcast exploring key legislative reforms that need to be expedited by the government to support funds in their development of better outcomes for members.

Considers the potential implications of an extended period of market weakness and what super funds might do to prepare.

Addresses the likelihood of ‘substantial and extended weakness’ in markets, not as rare as often thought.

Roundtable discussion of pathways to retirement solutions in the absence of advice enablement for super funds.

One of the challenges of pivoting to TPA is navigating “free rider” problems where it’s possible for underperformers to ride the coattails of stronger-performing team members.

Sets out proposed reporting standards that will give regulators and funds a consistent, structured and comparable view of how funds are supporting members through retirement.

Narrow markets and concentrated indices creating a challenging environment for super fund CIOs.

Podcast broadly explores super system dynamics including industry growth, flows, adviser-driven switching and marketing spend.

Advancements in neuroscience compound the already-complex issues facing the superannuation industry about how to support fund members to make better decisions during accumulation and retirement.

Super funds are lacking advice expertise on their boards and it’s one of the major factors that will keep them from delivering on decumulation obligations.

It is good to see expectations being set through the BPP and data collection expanded under the RRF. What remains missing is a strong industry nudge.

Current leverage settings provide sensible natural bounds on the amount of investment and liquidity risk that funds can take.

Frames up the retirement ecosystem, exploring the interaction between super funds, financial advisers and government in assisting retirees.

Overviews criteria for the Epic Retirement Tick, used to rate the retirement offerings of super funds.

Explores the role of foreign pension fund capital in providing funding for Australian assets.

Connects flows from industry funds to advice platforms with regulatory restrictions preventing super funds providing retirement advice to their members.

Explores member switching activity, the risks created, and whether further regulatory actions are required.

Explores the balance between capital diplomacy and the best interests duty of trustees to their members.

Argues that enabling funds to provide more advice to their members will reduce the risk of scams.

Highlights the need for funds to progress their retirement strategies and make the leap from homogenous offerings to accomodating heterogenous needs.

The retirement cohort is sizable for nearly every super fund, especially when measured in assets. This represents business risk for those funds who are lagging.

Industry recognition that they need to prioritise the development of retirement income strategies to serve the retirement needs of their members.

Broad ranging podcast exploring advice policy and the value of financial advice knowledge on super fund boards.

Exploring some of the reasons why advisers are switching members from industry funds and master trusts to platforms.

Podcast exploring how lifetime income streams work, the different types available, the trade-offs involved, and suitability.

Australia’s superannuation landscape is being redrawn as financial advisers steer billions of dollars away from industry funds towards advice platforms.

Explores the potential for further consolidation amongst Australian super funds.

Explores the emergence of so-called investment-linked lifetime income stream (ILLIS).

Various concepts are touted regarding how retirees should be investing during retirement. How do these concepts stack up?

There is a sizeable chance that it might take 10 years after the introduction of the Retirement Income Covenant (RIC) for the vast majority of super funds to put in place high-quality retirement income strategies (RIS).

Explores various approaches to expanding financial advice supply in Australia.

Roundtable discussion on navigating the intersection of climate risk, investment opportunity and political uncertainty.

Sets out 10 action items for policymakers and regulators to accelerate the development of the retirement phase of superannuation.

Adviser platforms operating in superannuation have to balance their technology programs with the governance requirements of being APRA-regulated super funds.

Multiple contributors consider quick wins and longer-term reforms for improving Australia's retirement system.

Regulatory concerns that service standards of super funds haven't improved and this will impact retirement outcomes.

Regulatory concerns that service standards of super funds haven't improved and this will impact retirement outcomes.

Roundtable discussion on systemic risks facing the ever-larger superannuation industry and the investment impact of global mega trends.

"Defaults" can have very different interpretations, and clarity is required to ensure the industry is on the same page.

"Defaults" can have very different interpretations, and clarity is required to ensure the industry is on the same page.

"Defaults" can have very different interpretations, and clarity is required to ensure the industry is on the same page.

The focus of any performance assessment should be on total returns in accumulation and delivering income for retirees.

Draws connection between spending on defence and nation-building amd the constraints of the YFYS performance test.

UK comparisons cast concern on Australia's retirement system, with some advocating for hard defaults as a solution.

Retirement can’t be solved by investments alone, and funds structured around investment team primacy will need to adjust.

Growth in private credit leads to discussions around what regulatory protections are required as the sector targets retail investors.

Like negotiating with terrorists, the federal government must think carefully before using the apparatus of state to compensate victims of the Shield and/or First Guardian collapses.

The country’s two largest superannuation funds are pushing the federal government to expand its performance test to cover retirement products.

Australia’s super system is confronting three intertwined investment challenges tied to the Your Future Your Super performance test.

A new report recommends a mandatory value of emissions reduction (VER) framework for the super industry, which would help embed a 'zero-carbon mindset' in every investment decision.

David Bell reflects on the UK retirement system after spending a couple of weeks in London catching up with many parts of the UK pensions sector.

Australian super funds talk a big game on climate related investments but a Conexus Institute study says just one per cent of assets are invested in climate related investments and two per cent in so-called responsible investing.

Australian super funds talk a big game on climate related investments but a Conexus Institute study says just one per cent of assets are invested in climate related investments and two per cent in so-called responsible investing.

By consolidating fragmented pension schemes into megafunds, Rachel Reeves hopes to channel billions into UK infrastructure, housing and energy transition projects. The strategy borrows heavily from Canadian and Australian models – but will it work in Britain?

The language around retirement finances and super can be overwhelming... and downright confusing.

Australia doesn’t have a range, or any number, for valuing the cost of carbon in our largest domestic pool of available capital to help achieve that ambition. This is a glaring anomaly that must be fixed.

Despite years of climate commitments, less than one per cent of super fund assets appear to be allocated to targeted, climate-related investment activities. This mismatch between rhetoric and reality is not sustainable — financially or environmentally.

Superannuation fund responses to the challenges and opportunities presented by climate change have been patchy to date, with funds facing lack of compulsion and limited incentives and experiencing meaningful constraints on how they invest.

Super funds are using an obscure rule to penalise low-income account holders. It could be costing low-income retirees thousands of dollars.

In this video interview we’re tackling one of the biggest challenges facing retirees – how to invest once you’ve stopped working and started drawing down on your savings.

A new war in the $4.1 trillion superannuation sector is heating up as fast-growing wealth platforms such as Netwealth and Hub24 grab a greater share of retirement assets from industry superannuation funds.

Many of the problems with the existing Your Future Your Super performance test arise from the tyranny imposed by the benchmark indices. Broadening the test to focus on total portfolio returns will address this issue and achieve the government’s intent, plus more.

The Retirement Reporting Framework has the potential to further drive the super industry forward on the path to implementing quality retirement income strategies (RIS) for their members.

Pension account minimums, one of the rotten rules in the Australian superannuation sector, may finally be facing a reckoning.

Three years after legislation was introduced to make superannuation funds’ retirement income obligations to members crystal clear, it still highly uncertain just how long it will take for the industry to achieve an “acceptable if not outstanding” response.

Labor is retreating from a plan to push superannuation funds to boost how quickly retirees draw down on their savings, walking back several principles it had secretly circulated to the industry’s biggest players.

Superannuation industry investment leaders have warned that herding mentality caused by the Your Future Your Super performance test is distracting funds from focusing on long-term returns and may be creating unintended risks to managing members’ money.

Major super funds are actively banning at least 50,000 less well-off Australians each year from accessing pensions by imposing an account minimum.