Member Retirement Investment Behaviour and Performance

December 10, 2016 | Author: . . . | , ,
Read the full Working Paper This paper provides a preliminary analysis of performance of employee’s workplace superannuation accounts. We utilise a diverse sample of Australian workers drawn from a large national superannuation trust over a time period spanning the...

Retirement savings trajectories: An analysis of the experience of fund members. Part Two: Individual and Peer Moderation Effects on Member Investment Choice

November 2, 2016 | Author: . . . . | , ,
Read the full Working Paper This paper explores the role of peers in a member’s propensity to make a change to their retirement savings investment strategy. Given that evidence indicates that the majority of individuals do not seek professional financial advice, we...

Approaching retirement: the categories, timing, and correlates of advice-seeking

April 1, 2016 | Author: . . | , ,
Read the full Working Paper This paper identifies the categories, drivers and timing of advice-seeking by defined contribution (DC) plan participants as they approach retirement. Empirical analysis of a large Australian database indicates that the relative...

Retirement savings trajectories: An analysis of the experience of fund members. Part One: Experience

August 30, 2015 | Author: . . . . . | , ,
Read the full Working Paper This paper examines the extent to which changes in individual wealth accumulation trajectories in retirement savings are associated with demographic and social factors. We investigate member-initiated investment changes to their...

A Longitudinal Analysis of Superannuation Outcomes: Gender Differences

May 1, 2015 | Author: . . . . . . | , ,
Read the full Working Paper Using longitudinal data based on a sample of member accounts provided by a major Australian superannuation fund, we examine the question of whether established gender-derived savings gaps are likely to diminish in the future. We find that...

The demand for advice in defined contribution pension plans

September 20, 2014 | Author: . . | , ,
Read the full Working Paper This paper examines the results of a comprehensive study of the advice which participants in Australian defined contribution (DC) saving schemes have sought from their plan sponsors (agents) over time. Whereas previous research on this...

Understanding superannuation contribution decisions: Theory and evidence

February 28, 2014 | Author: . . | , ,
Read the full Working Paper This paper reviews individual retirement savings decisions focusing on the contributions or savings behaviours. It examines lessons learned from international retirement saving systems and the limited number of studies examining the...

A Review of Retirement Savings Investment Behaviours: Theory and Evidence

June 30, 2013 | Author: . . . . . . . | , ,
Read the full Working Paper This study provides a review of individual retirement savings decisions within the Australian superannuation system, and analyses when and why investors make (or don’t make) changes to their superannuation savings. Using the Mercer...