Rob Pizzichetta of Mont Wealth discusses how Australia’s ageing population and the Treasury 2026 Intergenerational Report (to 2066) are shifting retirement from a one-time event to a long-term “market,” requiring a new portfolio playbook focused on decumulation and income. He highlights rising shares of Australians over 65 (projected near 25% by 2066) and rapid growth in the 85+ cohort, longer life expectancy, and the behavioral impact of longevity fear on spending. He explains why super is moving from accumulation to drawdowns, making sequencing and cash flow critical. With higher health and aged-care spending, a smaller pension share, fewer workers per retiree, and weaker productivity, he argues for resilience-focused asset allocation that addresses longevity, sequencing, inflation, liquidity, and policy risk—often beyond classic 60/40—and suggests retirement ages may need to extend to 67–70.

00:00 Welcome and Setup

00:23 Demographics Are Destiny

01:12 Australia Is Aging Fast

02:17 Longevity Changes Retirement

03:11 Super Shifts to Drawdowns

03:59 Volatility vs Sequencing Risk

04:17 Bigger Government Smaller Pension

05:42 Productivity and Growth Outlook

06:45 Income First Investing

07:01 Risk Based Asset Allocation

08:20 Wrap Up and Takeaways

08:53 Retirement Age Reality Check

09:09 Closing and Subscribe

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