By taking charge of your investment selection and asset allocation, there may be the perception that you could outperform your retail or other super fund.
Investors have faced a low-growth environment with low yield for some time now and this does not appear to be changing anytime soon.
If the assets test is harsher, you should not lose sight of the fact that any reduction in your assets means there are fewer assets for you to call upon if required.
Unfortunately, there is no magic tonic for the situation and retirees should be wary of anyone claiming to have one.
Here we look at five global themes that are currently playing out in world markets, and how they may potentially impact their investment portfolios.
When it comes to choosing between different investment options, they generally fall into two broad categories, defensive and growth assets.