http://pramo.info/tags/retirement-planning/Retirement PlanningHugo Blox Builder (https://hugoblox.com)en-ukThu, 30 Oct 2025 00:00:00 +0000http://pramo.info/media/icon_hu_f565da7a9ba9f05b.pnghttp://pramo.info/tags/retirement-planning/http://pramo.info/publications/honours/Thu, 30 Oct 2025 00:00:00 +0000http://pramo.info/publications/honours/<h2 id="overview">Overview</h2> <p>[cite_start]This thesis argues that disease-centred mortality models—incorporating health conditions, medical procedures, and medication histories—offer significantly enhanced predictive accuracy for retiree mortality compared to conventional models relying solely on age and gender[cite: 102].</p> <h3 id="key-findings">Key Findings</h3> <ul> <li>[cite_start]<strong>Improved Accuracy</strong>: The proposed models outperformed the Australian Life Tables (ALT) benchmark in both individual-level predictions and cohort-level forecasts[cite: 667].</li> <li>[cite_start]<strong>Financial Impact</strong>: For a cohort of 100,000 retirees, the proportion expected to outlive their planning horizon falls from 9.9% (ALT) to 6.7% with this model[cite: 73].</li> <li>[cite_start]<strong>National Policy</strong>: Implementing these models could decrease Age Pension expenditure by approximately $83.2 million per year by improving retirement drawdown strategies[cite: 74].</li> </ul> <h2 id="full-thesis">Full Thesis</h2> <p>The full thesis PDF is embedded below for convenient reading.</p> <div style="margin-top:1rem;"> <p><strong>Full thesis (PDF):</strong> <a href="thesis.pdf" target="_blank" rel="noopener">Download the thesis (PDF)</a></p> </div>