Prize linked debt: increasing credit card repayments in an online experiment
A significant proportion of credit card users persistently make low repayments on their debt. This paper tests whether a financial tool known as Prize Linked Debt (PLD) can increase credit card debt repayments amongst borrowers who repay the minimum, using an online experiment.
Moving, downsizing and housing equity consumption choices of older Australians
This study analyses current geographic mobility and downsizing behaviours among Australians aged over 55, and considers the barriers to, and consequences of downsizing. Retired Australians tend to retain high levels of housing wealth (rising to 49% of assets for homeowners aged 75+) and most choose...
Pathways to housing tax reform
This research is the final report of the AHURI inquiry into ‘Pathways to Housing Tax Reform in Australia.’ It features real-world modelling and implementation time frames to steer tax settings that progress the efficiency, equity and sustainability of housing tax policy, and also presents meaningful...
Asset portfolio retirement decisions: the role of the tax and transfer system
This report examines how the rules embedded in the tax and transfer system, especially in relation to the age pension, may impact on household choices.
Inquiry into housing policies, labour force participation and economic growth
This research presents evidence on how housing policies might promote labour force participation and economic growth through four channels - housing supply responsiveness, labour mobility, employment decisions and consumption.