Retirement investment advice for Australians and Canadians

Australian retirees are presented with a superannuation option that sets returns above inflation and offers protection against negative market moves. The strategy, marketed by Hostplus, aims to give retirees a more predictable income stream by delivering returns predetermined each year and allowing adjustments with at least 30 days’ notice.

In Canada, two dividend‑focused investments are highlighted for retirees seeking stable cash flow. Enbridge (TSX: ENB) derives most of its earnings from long‑term contracts, has a 31‑year dividend‑increase streak and targets a 5% earnings growth rate, while SmartCentres Real Estate Investment Trust (TSX: SRU) owns a large portfolio of retail properties with high occupancy and offers a forward yield of about 6.3%. Both are portrayed as lower‑volatility options that can help retirees meet daily expenses.