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Optimisation of retirement benefits for Australians

O'Leary, Eileen (2015) Optimisation of retirement benefits for Australians. PhD thesis, Victoria University.

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Abstract

Australians have three principal sources for retirement funding - the Age Pension, individual superannuation and individual savings outside of the superannuation umbrella. The Age Pension, a non-contributory payment that, alone, provides only for a modest lifestyle, is means tested for both assets and income, with the provision available to receive either a full or part pension. Most Australians also hold a personal superannuation account into which is contributed a mandatory percentage of labour income, known as the Superannuation Guarantee. These accounts, for which the individual is responsible for the investment strategy and for which the individual bears the risk, can also receive discretionary, tax-advantaged contributions.

Item Type: Thesis (PhD thesis)
Uncontrolled Keywords: retirement funding, public policy, SGL, superannuation guarentee, housing capital growth rates, financial decisions, accumulation, decumulation, optimal solutions, optimal wellbeing, NHC, non housing consumption, housing consumption, intrinsic housing worth, Australia
Subjects: FOR Classification > 1402 Applied Economics
Faculty/School/Research Centre/Department > College of Business
Depositing User: VU Library
Date Deposited: 06 Jul 2015 02:46
Last Modified: 06 Jul 2015 02:46
URI: http://vuir.vu.edu.au/id/eprint/28775
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