Please use this identifier to cite or link to this item: https://hdl.handle.net/10620/18110
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dc.contributor.authorMaddock, Eliana-
dc.contributor.authorAuster, Amy-
dc.date.accessioned2019-04-13T03:41:12Zen
dc.date.accessioned2016-10-11T00:51:58Zen
dc.date.available2016-10-11T00:51:58Zen
dc.date.issued2016-08-23-
dc.identifier.urihttps://hdl.handle.net/10620/18110en
dc.identifier.urihttp://hdl.handle.net/10620/4248en
dc.description.abstractProviding retirement income for the healthiest, wealthiest and largest demographic to ever reach retirement in Australia is a topic of increasing interest and debate. How should an ‘adequate’ retirement income be defined across a vast group with diverse circumstances and requirements? What is the role of the individual in providing for their own retirement, and what is the obligation of society? The increasing cost of retirement – as represented by a longer-living population with rising health care costs and a higher expected standard of living than any previous generation – has made these questions more complex than ever before. This paper utilises the Household Income, and Labour Dynamics in Australia (HILDA) survey to examine real expenditure patterns of Australian households aged 65 and above. These data offer unique insights, including the ability to track the same households and age cohorts over time, and link expenditure data to household wealth, income, composition and geographic location. This research may assist superannuation trustees to better understand the needs of their members, including for the purposes of developing retirement income products. Retirement expenditure analysis may also improve understanding of the adequacy of the Australian pension system, including use of both the Age Pension and superannuation entitlements. At the individual level, understanding the likely pattern of expenditure in retirement may help improved decision-making on planning for the retirement phase.en
dc.subjectAgeing -- Retirementen
dc.subjectAgeing -- Superannuation usage and finance for aged careen
dc.subjectLife Events -- Moving into retirementen
dc.titleExpenditure patterns in retirementen
dc.typeReports and technical papersen
dc.identifier.urlhttps://www.aist.asn.au/getattachment/Media-and-News/News/2016/Expenditure-patterns-in-retirement/aist_expendpatternsretirement_aug16_web.pdf.aspxen
dc.identifier.surveyHILDAen
dc.description.institutionAustralian Centre for Financial Studiesen
dc.description.keywordsExpenditureen
dc.description.keywordsSuperannuationen
dc.description.keywordsRetirement incomeen
dc.description.pages40en
local.identifier.id4781en
dc.publisher.cityMelbourneen
dc.subject.dssAgeingen
dc.subject.dssDisadvantage, adversity and resilienceen
dc.subject.dssIncome, wealth and financesen
dc.subject.dssmaincategoryLife Eventsen
dc.subject.dssmaincategoryAgeingen
dc.subject.dsssubcategoryMoving into retirementen
dc.subject.dsssubcategorySuperannuation usage and finance for aged careen
dc.subject.dsssubcategoryRetirementen
dc.subject.flosseAdversity and resilienceen
dc.subject.flosseAgeingen
dc.subject.flosseIncome, wealth and financeen
dc.subject.flosseDsiadvantage, adversity and resilienceen
dc.relation.surveyHILDAen
dc.old.surveyvalueHILDAen
item.openairecristypehttp://purl.org/coar/resource_type/c_18cf-
item.cerifentitytypePublications-
item.grantfulltextnone-
item.openairetypeReports and technical papers-
item.fulltextNo Fulltext-
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