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Charles Wu, CIO of State Super, and Michael Berg, Principal in the Investment & Superannuation Advisory Team, Deloitte
What is Different about Decumulation?
And Why Does It Matter?
Decumulation is not simply the reverse of accumulation. At the heart of the challenges of decumulation in retirement is the increased variety of events that can lead to the compounding of returns being interrupted, Charles Wu and Michael Berg write in this Op-ed Compounding of investment returns for as long
as feasible remains critical to success across many decumulation situations, including retirement solutions, closed defined benefit funds, insurance run-offs, redress schemes and environmental remediation funds. To illustrate the potential time frames, the Australian Bureau of Statistics estimated in 2022 that “today, a 65-year old Australian male can expect to live