Dissertations / Theses on the topic 'Australian retirement income policy'
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Kudrna, Jiri, and g. kudrna@unsw edu au. "Retirement Income Policy in Australia: Life-Cycle Analyses." University of Sydney, 2009. http://hdl.handle.net/2123/4119.
Full textRetirement income policy in Australia has undergone significant changes over the last two decades, including the introduction of the Superannuation Guarantee [SG] with mandatory contributions in 1992 and the 2007 superannuation changes with the benefit tax abolition. Numerical implications of adopted pension reforms and reform proposals such as further increases in the SG contribution rate, changes to superannuation taxation and to means-testing of the age pension have been examined mainly by micro-simulation models. These models, often criticized for their lack of theoretical content, provide an incomplete picture of pension policy effects because of no or limited behavioural responses to underlying policy changes. In this thesis, models based on the life-cycle theory of saving pioneered by Modigliani and Brumberg (1954) are applied to simulate behavioural, welfare and macroeconomics effects of proposed changes to Australia’s pension policy. In particular, this thesis develops the following computable models: a life-cycle, single household model, a partial equilibrium, household model and a general equilibrium model with overlapping generations [OLG]. The single household model describes lifetime behaviour of the utility-maximising single household with uncertain lifespan. The model features perfect capital markets, endogenous labour supply and retirement decisions, and it incorporates main aspects of Australia’s pension and income tax policy settings. The simulated policy changes are (i) increase in the SG contribution rate, (ii) superannuation tax changes and (iii) abolition of the age pension means test. The results indicate higher retirement consumption and welfare gains from all the analysed pension policy changes. Partial equilibrium and general equilibrium models introduced in this thesis are built on lifetime behaviour of the single household. Both models distinguish many generations of households by age and, therefore, are capable of studying behavioural and welfare effects of policy changes for different generations. The partial equilibrium model examines behaviour of the household sector in the environment of the fixed factor prices. It is shown, for instance, that welfare gains from the investigated pension policy changes are not uniformly distributed across generations. The general equilibrium OLG model extends the partial equilibrium analyses by incorporating production, government and foreign sectors in addition to household and pension sectors. The model is a small open economy version of Auerbach and Kotlikoff’s (1987) OLG model. The simulation results are significantly different from those in the partial equilibrium framework, driven mainly by the changes in aggregate labour supply. For instance, the higher SG rate policy increases aggregate assets and saving. However, the saving increases are exported abroad rather than invested in the domestic capital stock. Hence, the implications of this policy change for the capital stock and output are minimal. Younger cohorts and future born generations experience consumption and welfare gains but older cohorts are negatively affected by a higher consumption tax rate resulting from this hypothetical policy change.
Merkes, Monika, and monika@melbpc org au. "A longer working life for Australian women of the baby boom generation? � Women�s voices and the social policy implications of an ageing female workforce." La Trobe University. School of Public Health, 2003. http://www.lib.latrobe.edu.au./thesis/public/adt-LTU20051103.104704.
Full textMarisetty, Vijaya Bhaskar 1973. "Performance evaluation of Australian superannuation funds." Monash University, Dept. of Accounting and Finance, 2003. http://arrow.monash.edu.au/hdl/1959.1/5843.
Full textAgulnik, Phillip John Anderson. "Pension reform in the UK : evaluating retirement income policy." Thesis, London School of Economics and Political Science (University of London), 2001. http://etheses.lse.ac.uk/2504/.
Full textJefferson, Therese. "Australian women's financial security in later life : the effects of social structures and decision processes /." Curtin University of Technology, Graduate School of Business, 2005. http://espace.library.curtin.edu.au:80/R/?func=dbin-jump-full&object_id=16372.
Full textYan, Lap-tak. "A discourse analysis of the welfare ideology in Hong Kong : a case study of the legislative councillors' argumentation upon the administration's proposal of setting up a retirement protection system /." Hong Kong : University of Hong Kong, 1994. http://sunzi.lib.hku.hk/hkuto/record.jsp?B1399136X.
Full textHirschbeck, Lisa. "Encouraging individual retirement savings in South Africa." Thesis, Rhodes University, 2015. http://hdl.handle.net/10962/d1017535.
Full textBlaxland, Megan. "Everyday negotiations for care and autonomy in the world of welfare-to-work: The policy experience of Australian mothers, 2003-2006." University of Sydney, 2009. http://hdl.handle.net/2123/4134.
Full textA significant new direction in Australian income support policy was introduced in 2002. Known as Australians Working Together, this development changed the basis of social security entitlement for parents. Throughout most of the twentieth century, low-income sole mothers, and later sole fathers and parents in couple families, could claim income support throughout most of their children’s school years. The primary grounds for their entitlement were low income and parenting responsibilities. Australians Working Together introduced compulsory employment-oriented activities to Parenting Payment entitlement for parents whose youngest child had turned 13. This thesis investigates mothers’ experience of this new welfare system. Using Dorothy Smith’s ‘everyday life’ approach to research, it draws upon qualitative and quantitative methods to analyse Australians Working Together. The research is grounded in a longitudinal interview survey of Australian mothers of teenage children who were subject to these changes. The analysis moves from their experience outwards through the four levels of analysis in Williams and Popay’s welfare research framework. The thesis examines mothers’ day-to-day worlds, the opportunities and constraints they navigate, the policies and institutions which shape their opportunities, the political framing of those policies, and wider social and economic transformations. In their negotiation of the social security system, mothers are striving for recognition of autonomy and care. They want their capacity to determine for themselves how to live their lives to be acknowledged. They would like the social contributions they make through employment, education and voluntary work to be recognised. They struggle for their unpaid work caring for their families to be valued. They wish that they had sufficient material resources to care well for their families. The thesis develops a theoretical framework to examine these struggles drawing on the work of Honneth, Fraser, Lister, Sennett, Fisher and Tronto, Daly and Lewis. This multi-level, everyday life analysis reveals the possibility of reframing the social security system around mutual respect.
Taylor, Suzanne Mary. "A statistical analysis of the origins and impacts of twenty-six years of regulatory regime changes in the Australian occupational superannuation industry." Connect to thesis, 2008. http://repository.unimelb.edu.au/10187/3138.
Full textKgatla, Itumeleng Peter. "Social security and retirement reforms in South Africa : prospects and challenges." Thesis, University of Limpopo, Turfloop Campus, 2013. http://hdl.handle.net/10386/1114.
Full textThis mini-dissertation discusses South African social security and retirement reforms that will be used as guidelines towards promulgation of the new Pension Funds Act which will incorporate both private and public pensions. These proposals have been highlighted in the Retirement Reform Discussion Paper issued by National Treasury in 2004 and the Social Security and Retirement Reform paper, issued by both National Treasury and Department of Social Development, 2007. Further, the recent discussion papers entitled ‘Strengthening Retirement Savings and a Safer Financial Sector to Serve South Africa Better’ published in 2011 and 2012 respectively have strengthened social security and retirement reforms debate in South Africa. This mini-dissertation will incorporate both social security and retirement reforms.
Steyer, Marek. "Návrh expertního systému pro výběr optimálního spořícího produktu." Master's thesis, Vysoké učení technické v Brně. Fakulta podnikatelská, 2008. http://www.nusl.cz/ntk/nusl-221718.
Full textBarnsley, Paula Elizabeth. "Understanding economic inequality for women in Canada's retirement income system: reform, restructuring and beyond." Thesis, 1998. http://hdl.handle.net/2429/8888.
Full textMak, Nixon. "The impact of macroeconomic announcements on the Australian fixed income market." 2007. http://hdl.handle.net/2440/40126.
Full textThesis(M.Comm.)-- School of Commerce, 2007.
Roth, Lauren R. "Governing by Fiduciary: How the Employee Retirement Income Security Act of 1974 Delegated Control over Pension Policy to Private Actors." Thesis, 2014. https://doi.org/10.7916/D8P26WPX.
Full textMashile, Khutso. "The laws regulating the establishment and functions of the office of the pension funds adjudicator." Thesis, 2017. http://hdl.handle.net/10386/2014.
Full textThis dissertation deals with the inception of the office of the Pension Fund Adjudicator in South Africa with comparison with the United Kingdom and Australia. The challenges faced by the office of the Pension Fund Adjudicator are one element that advised the composition of this dissertation. South Africa is a well developing country that carries well developed laws, including, the laws that deals with the pension fund complaints and this dissertation shall analyse and unpack those laws and principles that deals with the pension fund complaints.