Why Australia’s Compulsory Superannuation System Discriminates Against Middle-Income Earners

The Australian Superannuation Guarantee requires employers to pay 9.5 per cent, into an employee’s superannuation account. The legislation has been subject to considerable policy change… Read More ›

What is Superannuation?

What is superannuation? What is its purpose? Survey a group of people on these questions and you’re likely to get as many answers as there… Read More ›

Why Do Australians Participate (Or Not Participate) in Voluntary Savings in Superannuation?

Changes to superannuation guarantee have yet again been included in the 2018 Federal Budget. Since the introduction of the superannuation guarantee over a quarter of… Read More ›

Budget Forum 2018: Superannuation and Pension Changes in the Budget 2018-19

The retirement income changes contained in the 2018-19 Budget continue the recent pattern of light touch measures that steer clear of structural reform. The 2016-17… Read More ›

Towards a Self-Funded Retirement: The Challenges for Superannuation Policy

The Turnbull government is legislating a new objective for superannuation “to provide income in retirement to substitute or supplement the Age Pension”. Twenty-five years after… Read More ›

Budget Forum 2017: No Super Fix to Housing, or to Super

The relationship between retirement income and housing has long been acknowledged. In fact, the family home is sometimes referred to as the fourth pillar of… Read More ›