Page 6 - Wealth-Adviser-Issue-119 (FWP)

ISSUE 119
SEPTEMBER 2025

Conclusion: Future-Proofing Financial Security Above all, the richest retirements are built not just
for Australians on numbers, but on well-informed choices—supported,
The search for a resilient, adaptable retirement strategy is reviewed, and adapted in partnership with your adviser, so
as relevant as ever for Australians. The lessons of the past— your financial security can weather any storm.
embodied in the original 4% rule—should inform, but not
constrain, planning in the face of new realities. Each gener-
ation believes its economic challenges were uniquely tough References
- but what does the data say? A closer look reveals a more • Supercharging the ‘4% rule’ to ensure a richer retirement, Firstlinks,
nuanced, complex story. Adaptability, lifelong learning, and 2025
partnership with a trusted adviser are crucial for navigating • Does the 4% Rule Still Apply?, A Wealth of Common Sense, 2025
the decades ahead. • 2025 Global Retirement Reality Report: Australia Snapshot, State
What remains certain is that no single formula can guar- Street Global Advisors, 2025
antee a comfortable retirement. Instead, successful strate- • How to retire richer: 7 strategies for pre-retirement, Findex, 2024
gies blend historical wisdom with new research, continually • Retirement income rules of thumb: Do they measure up?, SuperGuide,
revisiting assumptions and adjusting for changes in health, 2025
markets, and policy as life unfolds. • Withdrawal rates: making your retirement savings last, Morningstar
Australia, 2023

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