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Retirement income

NARROWER TERMS
Policy report

The Superannuation Guarantee: why we need 12 per cent

This report shows the compelling body of evidence that it is in the best financial interests of all current and future workers in Australia, and the broader Australian economy, that the scheduled Superannuation Guarantee increases to 12 per cent, as planned.
Policy report

Implications of the Retirement Income Review: public advocacy of private profligacy?

The recent Retirement Income Review (RIR) implies policies that would reduce after-tax returns to super saving, encourage faster spending of life savings and of equity in the family home, and minimise bequests. This paper argues that the RIR relies on contested Treasury ‘tax expenditure’ estimates...
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

Financial capability barometer 2018-2019

The Financial Capability Barometer 2018-2019 was a survey of 15,519 adult New Zealanders on their financial behaviours, attitudes and experiences. The data has provided valuable insights into the state of New Zealanders’ personal finances. Importantly, the survey is also a snapshot of New Zealand’s personal...
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.
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.
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.
Report

COVID-19 and retirement: impact and policy responses

Some of the impacts of COVID-19 will mostly affect today’s retirees, such as the safety of elderly institutions, while low interest rates will impact both today’s retirees and those who have yet to leave the labor market. This paper discusses the ways these social and...
Working paper

Retirement, social support and mental wellbeing: a couple-level analysis

There has been little research on whether and how social support may evolve around retirement. This paper provides novel evidence on the evolution of social support during own and spouse’s retirement, and its moderating effect on mental wellbeing.