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In this report on the 2019 Review of Retirement Income Policies, we address the specific terms of reference set by the Minister of Commerce and Consumer Affairs, as required every three years under section 83 of the New Zealand Superannuation and Retirement Income Act 2001. These are set within a broader outline of the retirement income ecosystems that the questions they give rise to cohabit.
This summary should be read with the full report it accompanies. It is provided with the intention of making the issues and findings covered under the review as accessible for as many New Zealanders as possible, and to respond to their energetic engagement in the review process.
In this summary, we set out our main assessments in response to each of the terms of reference set for the review, followed by any key corresponding recommendations. To understand the rationale behind the assessments, it is important that the full related chapters are reviewed, including the outline of the relevant commissioned research. As importantly, the chapters set out a fairly comprehensive outline of the public submissions we received, reflecting what many New Zealanders stressed to us are critical issues for themselves, their children, grandchildren, parents and grandparents.