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says. Compounding the disconnect is that many people underestimate their

updated every so often, lump white-collar and blue-collar workers together and are out of date when published.

However, research by Mercer released in August shows a white-collar male retiring at the age of 65 today has a 50 per cent chance of living to 88. White-collar women have a 50 per cent chance of living to 91. These are the mortality

workers.

The latest Mercer survey results come as the government tightens access to the age pension. The Abbott government has further increased the qualifying

temporary freeze on the superannuation guarantee. The guarantee will stay at 9.5 per cent for seven years, before resuming its rise to 12 per cent.

There is also a real possibility that the superannuation preservation age, the age at which people can access their super savings, will eventually rise, to maintain

would imply a preservation age of 65.

Quay Credit Union website.com.au

1300 426 728 0400 000 000 admin@website.com.au

1300 426 728 email@website.com.au

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News Update | March 2015

Golden years not so goldenRetirees are living longer, yet many have their retirement saving plans derailed by redundancy or illness, writes John Collett.

The retirement years of many people are not as golden as is commonly believed, with 40 per cent of retirees saying they have been forced into

reality of retirement. Most people are retiring close to the age of 60, with only 3 per cent retiring at 70 or older.

That is despite older people saying they want to work longer.

‘‘Our research shows uncontrollable triggers can derail the best-laid plans for retirement,’’ says David Anderson, Mercer’s managing director.

more years to fund in retirement and fewer working years to save for it.

their previous occupations, it is well known that those in some occupations are hit particularly hard by enforced early retirement.

was released earlier this year, showed those working in community and personal services, clerical and administrative roles, sales, and as labourers are up to 50 per cent more likely to retire before the age of 60 than professional workers.

Golden years not so golden

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