Investment Ideas: Decumulation

How can retirees confidently spend their super without fear of running out?

In our latest instalment of Investment Ideas, hosts Jan Swinhoe and Douglas Isles explore the challenges of the decumulation phase with Giacomo Tarantolo from Unisuper and Estelle Liu from AMP, specialists in retirement solutions.

Key areas discussed include:

• The complexity of transitioning from accumulation to decumulation
• The importance of simplicity in retirement systems and the need for more effective digital platforms
• The challenge of effectively communicating risk to members making retirement decisions
• How many retirees live more frugally than required

About the guest speakers

Estelle Liu
Estelle is the Head of Retirement Solutions at AMP. She is an actuary and has been the chair of the Actuaries Institute Superannuation Projections and Disclosure Sub-committee since 2019, and member of the Superannuation and Investments Practice Committee and Data Science and AI Practice Committee since 2022.  Prior to joining AMP, Estelle led the Actuarial Practice at Aware Super with key contributions and focus on all things financial projections, defined benefit and actuarial advice to inform retirement income strategy and its implementation.

Giacomo Tarantolo
Giacomo joined UniSuper in the role of Manager, Retirement Solutions in 2023 and is responsible for leading a cross-functional team that maintains and implements UniSuper’s Retirement Income Strategy across the Fund, ensuring that UniSuper’s Retirement Income Covenant obligations to its members are met.

Giacomo is a qualified Actuary having completed a Bachelor of Actuarial Studies with a Bachelor of Applied Finance at Macquarie University. Giacomo is approaching ten years’ experience in financial services in roles spanning retirement product development, institutional business development, actuarial and investment consulting at Allianz and Mercer.