Retirement Adequacy through Higher Contributions: Is This the Only Way?

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Read the full Working Paper In view of ongoing concerns about the adequacy of retirement incomes for Australian workers, this study compares the previous 9 per cent Superannuation Guarantee with the 12 per cent rate, effective from 1 July 2025. We use long-horizon...

Is fundamental indexation able to time the market? Evidence from the Dow Jones Industrial Average

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Read the full Working Paper Fundamental Indexation (FI) creates a broad-based market portfolio, like traditional market capitalisation weighted indices, but weights stocks according to a firm’s economic size, not stock price. Using the Dow Jones Industrial Average...

A Review of Retirement Savings Investment Behaviours: Theory and Evidence

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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...