{"id":15471,"date":"2024-02-11T20:55:00","date_gmt":"2024-02-11T09:55:00","guid":{"rendered":"https:\/\/bethere.p4.clientcommunity.com.au\/staging\/insights\/3-ways-your-retirement-income-can-shrink-and-what-you-can-do-about-it\/"},"modified":"2024-02-11T20:55:00","modified_gmt":"2024-02-11T09:55:00","slug":"3-ways-your-retirement-income-can-shrink-and-what-you-can-do-about-it","status":"publish","type":"post","link":"https:\/\/bethere.p4.clientcommunity.com.au\/staging\/insights\/3-ways-your-retirement-income-can-shrink-and-what-you-can-do-about-it\/","title":{"rendered":"3 ways your retirement income can shrink and what you can do about it"},"content":{"rendered":"<div>\n<p><em>Here\u2019s what you can do to help you make the right choices and enjoy your retirement.<\/em><\/p>\n<p>Three common income shrinkers and how you can avoid them with the help of your financial adviser<\/p>\n<\/p>\n<h3>1. Paying down a mortgage<\/h3>\n<p>Many people may need to pay down a mortgage in retirement as a result of a combination of elevated house prices and delayed household formation.<\/p>\n<p>According to the Retirement Income Review<sup>1<\/sup>, the average age at which owner-occupiers finally pay off their mortgage increased by 10 years \u2013 to 62 \u2013 between 1981 and 2016. Indeed, more than 50% of owner occupiers aged 55-64 still carry some mortgage debt.<\/p>\n<p>Older mortgage holders don\u2019t just have to deal with a constant drain on their lifestyle income. They\u2019re also more vulnerable to economic shocks \u2013 such as rising rates \u2013 and the financial and psychological stress this causes.<\/p>\n<p>Paying off debt in retirement has a whole range of downstream effects.<\/p>\n<ul>\n<li>It may leave less money to invest in growth assets to support income for longer in retirement.<\/li>\n<li>It means lending or gifting money to children carries more risk \u2013 if it can be achieved at all.<\/li>\n<li>And it\u2019s a reason many older Australians stay in the workforce after their preferred retirement age.<\/li>\n<\/ul>\n<p>On current trends, all these stresses are likely to affect a wider range of retirees in the future.<\/p>\n<p>AMP Head of Technical Strategy John Perri says, \u201cMore retirees are retiring with home loan debt and that limits their options. Ideally, advisers would help clients accelerate home loan repayment while they\u2019re working. Or help them strategically salary sacrifice into super so they can take a tax-free lump sum on retiring (aged 60 or more) and use that money to clear debt.\u201d<\/p>\n<p>Sometimes eliminating home loan debt is not necessarily the best thing to do. If retirement savings are earning 6% tax free and mortgage debt costs 3-4%, it may make sense to gradually reduce your debt rather than deplete your retirement capital.<\/p>\n<h3>2. Experiencing a catastrophic market event<\/h3>\n<p>Sequencing risk is one of the most dangerous risks for retirees. That\u2019s the possibility a GFC\/COVID style event smashes such a large hole in your capital that it permanently shrinks your potential retirement income. Proponents of lifetime income streams argue the ability to \u2018exchange\u2019 a chunk of retirement capital for a lifetime income is a useful counterweight to sequencing risk.<\/p>\n<p>Government enquiries like the Retirement Income Review suggest many retirees limit their lifestyle spending due to the Fear of Running Out (FORO) and\/or lack of clarity around their future spending with most only drawing the minimum legislated rate.<\/p>\n<h3>3. Gifting or leaving money to your children<\/h3>\n<p>Many retirees place a premium on passing on capital or a property to their children. That sacrifice also happens before death, with many retirees gifting home deposits or school fee cash to their children.<\/p>\n<p>Reducing the lifestyle effect of those capital drawdowns requires judgement. \u201cWith some clients I\u2019m trying to convince them to be more selfish, to think less about their kids\u2019 lifestyle and more about their own,\u201d say Clinton Smith of Abound Financial &amp; Lifestyle. \u201cIf you die and leave a two-million-dollar property, your kids are going on all the holidays you didn\u2019t.\u201d<\/p>\n<p>Yet retirees \u2013 and their advisers \u2013 must consider the whole board when it comes to helping the next generation without trimming their own sails. In some situations, that\u2019s considering the impact of inheritances. At other times it\u2019s shuffling the components of a clients\u2019 portfolio for maximum effect.<\/p>\n<p>That might mean planning to use up all financial assets but leaving the family home to the next generation. Or ring-fencing a lifetime income stream and allocating your account-based pension and other assets to fund bequests and gifts<\/p>\n<p>Speak to us about planning for your retirement.<\/p>\n<p><small>1 <a href=\"https:\/\/view.officeapps.live.com\/op\/view.aspx?src=https%3A%2F%2Ftreasury.gov.au%2Fsites%2Fdefault%2Ffiles%2F2021-02%2Fp2020-100554-udcomplete-report.docx&amp;wdOrigin=BROWSELINK\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Retirement Income Review, Australian Treasury, p121<\/a><\/small><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Here\u2019s what you can do to help you make the right choices and enjoy your retirement. Three common income shrinkers and how you can avoid them with the help of your financial adviser 1. Paying down a mortgage Many people may need to pay down a mortgage in retirement as a result of a combination &#8230; <a title=\"3 ways your retirement income can shrink and what you can do about it\" class=\"read-more\" href=\"https:\/\/bethere.p4.clientcommunity.com.au\/staging\/insights\/3-ways-your-retirement-income-can-shrink-and-what-you-can-do-about-it\/\" aria-label=\"Read more about 3 ways your retirement income can shrink and what you can do about it\">Read more<\/a><\/p>\n","protected":false},"author":2,"featured_media":15472,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"fifu_image_url":"https:\/\/articlefeedsite.p3.clientcommunity.com.au\/wp-content\/uploads\/2024\/02\/3-ways-your-retirement-income-can-shrink-and-what-you-can-do-about-it.png","fifu_image_alt":"3 ways your retirement income can shrink and what you can do about it","footnotes":""},"categories":[5],"tags":[],"class_list":["post-15471","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insights"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>3 ways your retirement income can shrink and what you can do about it - BE THERE<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"3 ways your retirement income can shrink and what you can do about it - BE THERE\" \/>\n<meta property=\"og:description\" content=\"Here\u2019s what you can do to help you make the right choices and enjoy your retirement. 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