Optimisation of retirement benefits for Australians

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


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)
URI https://vuir.vu.edu.au/id/eprint/28775
Subjects Historical > FOR Classification > 1402 Applied Economics
Historical > Faculty/School/Research Centre/Department > College of Business
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
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