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Governments around the world have been reforming policies (and often breaking public pension promises) to find ways to reduce the fiscal impact of the ageing baby boomer cohorts. Australia is unusual in having promised relatively little in public pensions, buttressing retirement incomes through mandated superannuation. This policy regime provides a valuable test-bed for research into non-government approaches to retirement provision. Research in this area of focus takes private provision as a point of departure, and examines risk pooling, spreading and sharing mechanisms, public-private coordination, and the impacts of incentives, defaults, and compulsion on behaviour with respect to retirement choices. The analysis is designed to discover what innovations, by government and business, might improve outcomes. 

Projects Include:

  • Models for Dependence in Mortality with Financial Applications
  • Estimation and Application of Affine Continuous Time Multi-Cohort Mortality Models
  • Pre-and Post Retirement Investment Strategies - Target AnnuitiSation Funds
  • Managing Retirement Risks with Reverse Mortgage Loans and Long-Term Care Insurance
  • Post-retirement income: Financial and Actuarial Issues
  • Mortality Improvement Rates: Modelling and Parameter Uncertainty
  • Mind the Gap: A Study of Causal Mortality by SocioEconomic Circumstances
  • Automatic Balancing Mechanisms in Pay-As-You-Go Pension Systems with considerations of adequacy and fairness
  • The effect of labour transitions in public pension financing: a case study for Spain
  • Mandatory Pre-Funded Retirement Income Schemes:Best Policy and Practice
  • Markov Regime switching and THE Lee-Carter model
  • Tax and pensions
  • Assessing Pension Tax Regimes: An Australian Perspective

For more information on individual projects please see the CEPAR Annual Report.