Policy & Research Archive

2015 Research

Fee and performance analysis

December 2015

AIST has commissioned research through SuperRatings to examine what consumers are getting from not-for-profit superannuation funds when compared with superannuation funds run for profit (mainly by banks).  The research examines over 5,000 investment options. The research analyses fees, investment returns, and whether the assets underlying the investments are comparable – what are consumers getting on a like for like basis. A key finding of the report is that, in the Choice space – consumers are paying up to four times more in super fees for some retail funds and usually getting lower return. 

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Modelling of superannuation tax proposals

September 2015

This paper models 21 different proposed policy changes using the AIST-Mercer Super Tracker and forms an attachment to our final supplementary submission to the tax discussion paper.     

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Meeting members' advice needs 

August 2015

Australians increasingly recognise the need to save for their retirement, and the risk that they will not have enough super. However, with the system likely to contain $7 trillion in assets within 20 years, it is clear that members’ advice needs will need to be met. This survey, conducted in conjunction with Industry Super Australia shows the growth in the advice offerings of not-for-profit super funds and they rise to embrace this new challenge. 

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Superannuation in the post-retirement phase 

August 2015

The Financial System Inquiry (FSI) recommended that trustees develop a pre-selected option for members to receive their superannuation in retirement.  But how might trustees go about developing these?  Funds do not necessarily have homogeneous memberships, so there is no ‘one-size fits all’ solution.  This paper, developed by the Australian Centre for Financial Studies (ACFS) for AIST examines a series of hypothetical members to ascertain what needs trustees will need to consider.

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Super reality check - busting the $1 million myth 

August 2015

The Australian Institute of Superannuation Trustees (AIST) and VPR have considered the value of superannuation to members facing retirement with relatively low balances. We aim to debunk the myth that $ 1 million is necessary for a dignified retirement and provide much-needed clarity about how even small amounts of super can make a big difference in retirement.

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AIST Mercer Super Tracker: How the super system stacks up on fairness, adequacy, and sustainability. 

March 2015

AIST and Mercer have developed the Super Tracker to assess the progress of Australia’s retirement income system based on the available evidence and to make important contributions to the discussion about the system’s ongoing development including the fairness of taxation arrangements. This paper focuses on how the Australian super system stacks up on fairness, adequacy, and sustainability.

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2025: What will the superannuation industry look like in a decade

March 2015

AIST in conjunction with BNP Paribas Securities Services, undertook research to identify key longer-term issues the superannuation industry may face. By asking where you think the industry will be in 2025 we sought to consider how to best shape our industry, overcome challenges andmaximise opportunities for asset owners, managers and investors.

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