RT Journal Article SR Electronic T1 Blending Growth, Income, and Protection to Create Default Post-Retirement Solutions for Australia and Hong Kong JF The Journal of Retirement FD Institutional Investor Journals SP 93 OP 107 DO 10.3905/jor.2018.2018.1.036 VO 5 IS 3 A1 Lesley-Ann Morgan A1 Paul Marsden A1 Clement Yong A1 Sean Markowicz YR 2018 UL https://pm-research.com/content/5/3/93.abstract AB With populations aging, governments, providers, and sponsors are increasing their focus on post-retirement solutions. The ideal approach is to tailor a solution to an individual’s circumstances, but this is generally not practical in a mass market—so creating a default solution that is suitable for the majority, if not all, has become the aim. This article looks at examples from Australia and Hong Kong, where recent policy announcements about a desire to improve outcomes for retirees provide interesting case studies. Taking state pension provisions into consideration, the authors find that retirees need a combination of protection and growth in order to deliver the income required for a comfortable retirement.TOPICS: Pension funds, developed, legal/regulatory/public policy