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Retirement savings

NARROWER TERMS
Policy report

Super scandalous: how to fix the $5 billion scourge of unpaid super

Unpaid super affects more than a quarter of employees, costing each affected worker an average of $1,700 per year. This report points to four policy reforms and the need for a visible, proactive regulator to ensure Australian workers are not deprived of their employer super...
Policy report

The gender superannuation gap: addressing the options

A combination of greater levels of part-time work, employment in lower-paid industries, lower hourly rates of pay for women compared to men, and less time in the paid workforce during their working years results in pronounced gender pay, income and superannuation gaps. This paper looks...
Report

Completing Australia’s retirement income system

The Academy of the Social Sciences in Australia (ASSA) and the ANU's Tax and Transfer Policy Institute (TTPI) hosted a roundtable in March 2021 to examine the 2020 Retirement Income Review report and to consider its implications for further reform of the system. This paper...
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...
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.
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.
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...