Page 1 - FWP Wealth Adviser newsletter - June 2025: Issue112
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ISSUE 112                                                                                      MAY 2025




           THE HIDDEN


           COST OF



           DELAYED



           RETIREMENT




           PENSION AGE,

           GRANDPARENTAL


           CHILDCARE, AND


           AUSTRALIA’S

                                                                                                                      depositphotos.com
           FERTILITY DILEMMA






        INSIDE                      BY WEALTH ADVISER


        1   The Hidden Cost of Delayed   Introduction: Australia’s Demographic Crossroads
           Retirement: Pension Age,    Australia stands at a pivotal demographic juncture. As the government incrementally
           Grandparental Childcare, and
           Australia’s Fertility Dilemma  raised the Age Pension eligibility age from 65 to 67-a transition completed in July 2023-
        5   Balancing Reform and Resilience:   there is growing debate about the broader social consequences of such reforms. While the
           How Australia’s Political Values   stated rationale is to ensure fiscal sustainability and encourage workforce participation
           and Fiscal Discipline Shape   among older Australians, emerging evidence suggests that these changes may have un-
           Wealth and Opportunity
        8   Buffett’s Farewell and the Future   intended effects on family formation and national fertility rates. In particular, the role of
           of US Exceptionalism: Lessons for   grandparents as informal childcare providers is coming under scrutiny, with research indi-
           Investors in a Changing World  cating that their availability may be crucial for younger generations contemplating having
        12  Q&A: Ask a Question     more children.

         BEFORE YOU GET STARTED
            This Wealth Adviser publication is published by Wealth Today Pty Ltd   Information in this document is no substitute for professional financial
         (AFSL 340289), Sentry Advice Pty Ltd (AFSL 227748), Synchron Advice   advice.
         Pty Ltd (AFSL 243313) and Millennium3 Financial Services Pty Ltd (AFSL   We encourage you to seek professional financial advice before making any
         244252) and contains general and factual information only.  investment or financial decisions.
           Before acting on any information contained herein you should consider if   In any circumstance, before investing in any financial product you should
         it is suitable for you. You should also consider consulting a suitably qualified   obtain and read a Product Disclosure Statement and consider whether it is
         financial, tax and/or legal adviser.                   appropriate for your objectives, situation and needs.
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