Superannuation

ALTERNATIVE LABELS
Super funds


Policy report

Housing affordability and superannuation

There have been several comprehensive reviews that have rigorously assessed the superannuation system in Australia over the last decade or so. None of these has recommended the early release of superannuation for housing deposits, while several have made recommendations to the contrary.
Working paper

Responding to Callaghan: completing Australia's retirement income system

The Retirement Income Review (Callaghan) report concluded that the Australian retirement income system is effective, sound and its costs are broadly sustainable. This paper examines the report's suggested 'optimal use' of superannuation savings, suggesting it is not in fact practicable and proposing alternative drawdown arrangements...
Report

Retirement Income Review: final report

This review report covers the current state of the superannuation system and how it will perform in the future as Australians live longer and the population ages. The review considered the incentives for people to self-fund their retirement, the fiscal sustainability of the system, the...
Report

Retirement planning, saving and attitudes: survey report

This report informed the work of the 2020 Retirement Income Review, by presenting results from an online survey about retirement planning, saving and attitudes.
Policy report

Your future, your super

Australia’s $3 trillion superannuation system is the fourth largest in the world and is responsible for managing the retirement savings of 16 million Australians. This document outlines some reform options to make the superannuation system better for members.
Working paper

Does the early release of retirement savings prolong labour market participation for workers approaching retirement? Evidence from Australia's 'Transition to Retirement Income Streams' program

The Transition to Retirement Income Streams (TRIS) program is a novel approach to incentivise the labour supply of older workers. This paper considers the effect of the program in the context of a life cycle model and empirically examines the effects on labour supply and...
Report

Retirement income review modelling - fiscal results

Industry Super Australia (ISA), in the context of the federal government’s Retirement Income Review, commissioned this research from Rice Warner to assess the impacts of various policy options utilising their comprehensive econometric model of the Australian superannuation system.
Report

Responsible investment benchmark report Australia 2020

This report details the size, growth, depth and performance of the Australian responsible investment market over 12 months to 31 December 2019 and compares these results with the broader Australian financial market.
Report

Super in the economy 2020

This report shows industry super funds’ investment performance has added billions of dollars to members’ retirement savings and deepened Australia's national savings pool, helping protect the economy during downturns. The report includes forecasts based on the present legislated scenario of small, incremental increases in the...
Fact sheet

Fact Check: Paul Keating says people are being allowed early access to their super with no scrutiny whatsoever. Is he correct?

Hundreds of thousands of Australians have rushed to access their superannuation early as part of the Federal Government's coronavirus response plan. But with more than $30 billion now withdrawn, questions are being asked about the wisdom of raiding future retirement savings to pay for the...
Briefing paper

Long-term costs of the COVID early release of super scheme

This briefing note examines the long-term impact of the COVID early superannuation release scheme on retirement incomes and age pension entitlements.
Discussion paper

The 'herstory' of superannuation

This report looks at the history of superannuation for Australian women, marks its progress towards equity, and identifies what more could to be done to improve the system in order to mitigate women’s vulnerability to poverty in retirement.
Report

Income and wealth

Many changes have occurred in Australia since the establishment of the Australian Institute of Family Studies in 1980. This snapshot report outlines some of the significant changes in household incomes, household wealth and also the amount of household debt over the last forty years.
Report

Borrowing to save: retirement income policy after COVID-19

Public debt is expected to rise from 19% of GDP in 2019 to nearly 54% by 2024 and remain elevated for decades to come. This report argues there is one area where evidence suggests significant savings could be made, with little impact on public policy...
Report

Aboriginal and Torres Strait Islander Australians and the superannuation system

This report offers some important insights to improve understanding of the financial security that the current retirement system offers to Indigenous Australians and their families.
Report

From values to riches 2020: charting consumer expectations and demand for responsible investing in Australia

The research outlined in this report shows that the vast majority of Australians expect their savings and superannuation to be invested responsibly and ethically, and half the population would be motivated to invest and save more money if they knew their savings or investments made...
Policy report

Economic benefits of universal superannuation

This report outlines the evidence that universal superannuation has benefitted and will continue to benefit all Australians. It also provides confirmation of the large benefits to Australians and the Australian economy from increasing the Superannuation Guarantee from 9.5 per cent to 12 per cent.
Briefing paper

The long-term consequences of wage freezes for real wages, lifetime earnings, and superannuation

A wage freeze is often described as a "temporary sacrifice," that supposedly ends once normal annual wage increments are restored. However, this paper confirms that the legacy of even a temporary pay freeze is a permanent reduction in lifetime incomes and superannuation, which can easily...
Report

Super expensive

Superannuation tax concessions were supposed to help Australians become less reliant on the age pension, but with the rapid increase in the concession they will soon to be more expensive than the age pension. This report argues that the cure has becoming worse than the...
Report

The super freeze: what you’ve lost

This analysis looks at the rate of real wage growth in the five years since the implementation of the freeze on the Superannuation Guarantee rate and quantifies the amount of superannuation workers have lost as a result of the freeze.