Navigating Uncertainty
Restoring confidence in a changing super landscape

Download the 2025/26 Navigating Uncertainty Report to understand the behavioural shifts underway and how you may position your advice framework for confidence in an evolving policy environment. CPD points available.

nmc website 2
Research Summary

Australia’s retirement system remains world-class – but the rules surrounding it continue to be subject to reform. For HNW clients, what's often known as “legislative churn” is reshaping confidence, planning horizons and the sequencing of major retirement decisions.

Generation Life's 2025/26 Navigating Uncertainty Report reveals that clarity and reassurance are highly valued, as is performance, for their investment strategies to continue. As policy cycles shorten and complexity increases, clients look for strategic guidance that helps them navigate superannuation, tax and intergenerational considerations with confidence.

Discover how you can strengthen client confidence and retirement strategies, and position your advice as indispensable in an evolving legislative landscape.

Download the report
Key Insights
01.
System strength vs rule instability
84% of HNW investors say Australia’s super system is world‑class - yet 66% say the rules change too often to trust.
02.
Retirement confidence erosion
69% of HNW investors are less confident about retiring comfortably than in 2022.
03.
Policy proposals driving behaviour shifts
Over 1 in 3 contribution reductions were triggered by proposed tax changes.
04.
Advice provides clarity in chaos
86% of HNW investors with advice feel higher satisfaction with their personal or financial situation, versus 55% without.
Why is this important?
Helping clients feel confident in a changing retirement landscape

Australia’s retirement system is strong, but frequent policy changes are creating some uncertainties in HNW clients. Confidence in super and tax settings are showing as reshaping decisions on contributions, risk and long-term planning – often before reforms are finalised.

Clients now value clarity and reassurance in their strategies, along with performance returns. That makes your role as an adviser critical: interpreting complexity, maintaining resilience of investment strategies, and building confidence that plans can withstand change. Download the 2025/26 Navigating Uncertainty Report to see how you can empower your clients to navigate uncertainty with confidence and deliver long-term confidence-led outcomes.

Download the report

For media enquiries please contact media@genlife.com.au

Disclaimer

Generation Life Limited AFSL 225408 ABN 68 092 843 902 (Generation Life) is the product issuer, provides general financial product advice and other services related to investment life insurance products and life risk insurance products. Any superannuation general financial product advice provided is by Generation Development Services Pty Limited ABN 14 093 660 523 (GDS) as Corporate Authorised Representative, No. 001317211 of Evidentia Financial Services Pty Ltd AFSL 546217 ABN 97 664 546 525 (Evidentia). The information provided is general in nature and does not consider the investment objectives, financial situation or needs of any person and is not intended to constitute personal financial advice. The product’s Product Disclosure Statement (PDS) and Target Market Determination (TMD) are available at www.genlife.com.au and should be considered in deciding whether to acquire, hold or dispose of the product. Superannuation products’ PDSs, offer documents and TMDs are available via the websites of their product issuers. Investments carry risks. Past performance is not an indication of future performance.