Habitual policy tinkering, in place of systematic and holistic policy formation, is exacerbating the difficulties Australians face in planning for their retirement and is undermining public confidence in the system, writes Patricia Pascuzzo in arguing for a holistic approach.

If Australians are not to live unnecessarily frugally in retirement and the government is to reduce dependence of retirees on the public purse, upcoming decisions on the means testing of longevity products will be critical, writes Patricia Pascuzzo.

Australia’s super funds need to be able to make more concrete promises about the income members are going to get in retirement. That they can’t represents a major shortcoming for an otherwise world-class retirement income system, writes Jeremy Cooper.