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1096344

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Retirement income

Report

12 Oct 2017

This report shows that people struggle with planning for retirement because they often aren’t equipped to address complex questions. Analysis included in the report recommends targeted financial education, greater use of default features in private retirement plans, and ensuring that public...

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Report

30 Sep 2017

This report has been commissioned by Industry Super Australia (ISA) to assist it in responding to the Productivity Commission’s (PC) three stage review into the efficiency of the Australian Superannuation system. The purpose of this report is to examine switching trends of superannuation members...

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Discussion paper

20 Sep 2017

Group insurance in superannuation and particularly its automatic issuance on an opt-out basis has been a successful policy for Australia which has resulted in better risk protection for Australians from all walks of life. It provides a safety net to millions of Australians who would have...

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Report

18 Sep 2017

This report presents results from several quantitative simulations of the impact of wage suppression on superannuation entitlements of affected workers, their long-run retirement incomes, and corresponding fiscal effects on government. The report considers several specific scenarios,...

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Journal article

14 Aug 2017

The National-led government of Prime Minister Bill English recently announced changes to the eligibility rules for receipt of New Zealand Superannuation (NZS). In 2037 the age from which New Zealand residents become eligible to receive NZS will begin to rise – by six months each year – from the...

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Discussion paper

28 Jul 2017

The Insurance in Superannuation Working Group (ISWG) has released the fourth in a series of discussion papers as a further step towards developing an Insurance Code of Practice for superannuation trustees.

This discussion paper outlines proposals that seek to enhance member insurance...

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Report

20 Jul 2017

Universal superannuation is a vital part of a system designed to give Australians a decent standard of living in retirement. But for millions of women, superannuation is failing. In a significant research collaboration, Per Capita and the Australian Services Union have sought to lift the lid on...

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Report

29 May 2017

In its superannuation policy for the 2013 election, the Government stated that it would review both the minimum withdrawal amounts for account-based pensions and the regulatory barriers currently restricting ‘the availability of relevant and appropriate income stream products in the Australian...

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Commentary

Article

19 Apr 2017

A recent report by the Australian Institute of Superannuation Trustees raised concerns about the erosion of retirement income by ongoing rental or mortgage payments.

The report by the Australian Institute of Superannuation Trustees is timely, given the Australian aged pension system is...

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Draft report

29 Mar 2017

An efficient superannuation system is critical to help Australia meet the economic and fiscal challenges of an ageing population. The superannuation system has accumulated over $2 trillion in assets. Given the system’s size and growth, the system is of central importance to funding the economy...

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Research report

23 Mar 2017

Australia’s retirement income system has long implicitly taken it for granted that the vast majority of retired people will have very low housing costs – in turn reflecting a presumption that most of them will own their own homes, and will have fully paid down any mortgage debt taken on in order...

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Audio program

17 Mar 2017

An increase in Australian investors wanting their retirement funds to go into the stocks of ethical companies means change is afoot within the nation's finance industry. 

The latest move has come from AMP Capital, which has announced it's banning investment in companies that manufacture...

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Slides

30 Dec 2016

In December 2016 FMA commissioned Colmar Brunton to carry out research among people who are nearing retirement age, or who have recently retired. This research is designed to help FMA learn more about the financial decisions that people make when they retire.

Key outtakes...

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Research report

19 Dec 2016

Under the New Zealand Superannuation and Retirement Income Act 2001, the Retirement Commissioner is required to review retirement income policies every three years. According to the terms of reference this report must address these retirement income policies and discuss these topics:

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Briefing paper

13 Dec 2016

After some years of stasis, superannuation tax reform was back on the agenda in 2016. Not since the Howard-Costello changes in the 2006-07 Budget has there been such a substantial amount of superannuation reform. However, the 2016 changes go in the opposite direction of the Howard-Costello...

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Audio interview

02 Nov 2016

New research suggests older Australians may be heading into retirement with a much bigger nest egg than commonly thought.

The report, by investment management firm Challenger, finds average household super wealth for those nearing retirement is close to $500,000. Given we're also living...

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Research report

28 Oct 2016

This report highlights Australia’s not-for-profit industry super funds are effectively leveraging the scale and long-term investment horizon to invest in real economy assets which have been the foundation of superior member returns.

This study attempts to quantify and illustrate the...

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Audio interview

20 Oct 2016

Banks are being accused of gouging customers by delaying the transfer of superannuation accounts into lower cost default superannuation funds. Retail funds have been given four years to switch accounts nominated as 'default' into cheaper My Super products with the deadline set to hit mid next...

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Research report

08 Oct 2016

The proportion of aged persons in Australia is set to increase significantly, posing many challenges. Amongst these is the growing number of households who lack housing security in retirement. The Age Pension in Australia is set at a comparatively low rate compared to other developed countries,...

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Article

02 Oct 2016

So much of the national conversation about superannuation simply assumes that 'savings for retirement' is synonymous with 'superannuation savings.' This is a big mistake.

The reality is that superannuation savings account for only a small portion - about 15% - of the wealth of most...

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