Policy & Research Archive

AIST/WIS 2016 Women’s Super Summit report

December 2016

AIST and Women in Super (WIS) held the second Women’s Super Summit in Melbourne on Friday 18th November, 2016 to look at ways to close the super gender gap. This report is a summary of the presentations and group discussions from the day.  

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Expenditure patterns in retirement

August 2016

This research, which examines spending patterns of Australians, finds that the expenditure of most retirees is modest, regardless of their level of income. The research – commissioned by AIST and conducted by the Monash Business School’s Australian Centre of Financial Studies (ACFS) – finds that 80 percent of retirement households reported expenditure levels considered to be the most basic standard of living for retirees. The research is based on data from the 2014 Household, Income and Labour Dynamics (HILDA) survey, and compares the data over a twelve year period.

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Lifecycle MySuper Product Fees

October 2016

This research investigates the relationship between MySuper asset allocations, investment fees and member outcomes. It concludes that the majority of funds use a fixed asset allocation that does not vary by age. Lifecycle options (i.e. investment options which do vary by age) are typically used by retail funds, rather than by not-for-profit funds. Where they are used by not-for-profit funds, de-risking (more conservative investments) usually starts at older ages than in retail funds. Building more conservative investment portfolios at earlier ages will see a reduction in member retirement outcomes.

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