Nov 18, 2025
Welcome back to another episode of the 360 Money Matters Podcast!
In this episode, we challenge everything you thought you knew about retirement planning. With Australians now living 25-30 years in retirement instead of 10-15, the old model of "save a lump sum and make it last" is dangerously outdated. We explore why income sufficiency matters more than capital targets, how to structure your drawdown across different lifestyle phases, and why superannuation's tax advantages completely change the game. From bucketing strategies to protect against volatility, to the 4% rule and sequencing risk, discover how to build a retirement plan that actually funds the life you want to live—not just survives until the money runs out.
Tune in to discover what modern retirement planning really looks like.
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This podcast contains information that is general in nature. It does not take into account the objectives, financial situation, or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. This information is provided by Billy Amiridis & Andrew Nicolaou of 360 Financial Strategists Pty Ltd, authorized representatives and credit representatives of Akumin Financial Planning – AFSL 232706
Episode Highlights
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Why the ASFA benchmark of $690,000 is dangerously misleading
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Income sufficiency vs. capital targets: Planning for lifestyle phases, not just lump sums
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The phased retirement trend: Why people are working longer (and happier)
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Superannuation vs. property: Tax implications that change everything
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Protecting your retirement from inflation and market volatility using bucketing strategies
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The 4% rule and sequencing risk: When market timing matters most
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Warren Buffett's principle applied to retirement drawdowns
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