澳大利亚金融系统调查（FSI）中期报告中指出：澳大利亚当前退休收入系统的缺陷是未能提供足够多的退休风险管理选择，对此，IPA AU发表以下观点。
“简而言之，许多退休人员不具备足够的知识和指导，继而无法合理决定何时以及如何降低储蓄以维持剩余老年生活的需求。”IPA AU全球执行总裁安德鲁·康威表示。
“FSI报告中指出，许多退休人员并不了解如何管理退休投资、通货膨胀及长寿风险等事宜，对此我们表示赞同。”
“澳大利亚养老体系的完整性有望通过以下两点予以强化：（a）因一次性付款额降低，鼓励加入养老福利，及（b）鼓励将养老年金和其他养老产品作为退休收入的优先来源”的方式。
“尽管我们支持制定养老决策，但我们依然认为需要制定合理的激励机制，鼓励退休人员选择退休金和年金产品。养老年金更侧重于为退休人员提供长期需求，保障他们的晚年生活。
“人们应该将退休金视为一项长期财务流，而非意外之财。”安德鲁·康威总结到。
资讯原文：
BETTER SUPER TO MANAGE RETIREMENT RISK
The Financial System Inquiry’s (FSI) interim report recognises the failure of Australia’s current retirement income system to provide adequate choices to manage risk in retirement; a sentiment shared by the Institute of Public Accountants (IPA).
“Simply put, many retirees do not have adequate knowledge or guidance to support sound decisions of when and how to draw down their retirement savings to cater for the remaining years of their lives,” said IPA chief executive officer, Andrew Conway.
“We agree with the FSI report that many retirees do not know how to manage investments, inflation and longevity risks involved with retirement.
“The integrity of the Australian superannuation system would be enhanced if (a) incentives to draw superannuation benefits as a lump sum are reduced, and (b) incentives to adopt annuities and other pension products as the preferred retirement incomes are encouraged.
“While we support choice in superannuation decision making, we also believe there needs to be suitable incentives which encourage retirees into pension and annuity products. Annuities will generally provide for the longer term needs of retirees and protect against cost of living risks.
“People need to treat superannuation upon retirement as a long term financial stream, not a sudden windfall gain,” said Mr Conway.
