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

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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...

Who Makes the Financial Decisions? Intra-household Evidence from Panel Data

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Read the full Working Paper This study tests whether a household bargaining or household production model better explains decision-making allocations. We use unique longitudinal data that tracks couples for eight years and asks each partner annually about who is...

A Longitudinal Analysis of Superannuation Outcomes: Gender Differences

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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...

Withdrawal capacity in the face of expected and unexpected health and aged-care expenses during retirement

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Read the full Working Paper We examine the impact on retirement income levels, income stability and longevity risk of accounting for costs associated with age-related health treatment and aged-care services during the retirement phase. To measure the impact of these...