Building Financial Literacy and Retirement Savings Engagement by Developing a Financial Education Programme for the Workplace

通过制定工作场所金融教育计划来培养金融知识和退休储蓄参与度

• 批准号: LP0991752
• 负责人: Prof Paul Gerrans
• 金额: $ 7.67万
• 依托单位: Edith Cowan University
• 依托单位国家: 澳大利亚
• 项目类别: Linkage Projects
• 财政年份: 2009
• 资助国家: 澳大利亚
• 起止时间: 2009-09-18 至 2013-03-17
• 项目状态: 已结题
• 来源: https://dataportal.arc.gov.au/RGS/Web/Grants/LP0991752
• 关键词: Building; Financial; Literacy; Retirement; Savings

To limit the drain on the federal budget as the population ages government have introduced compulsory superannuation; making individuals responsible for a significant proportion of their own retirement income. Employees are able to choose both their superannuation fund and investment mix. These are complex decisions which require a significant level of financial literacy. Failure to make appropriate decisions can significantly reduce wealth at retirement leading to a greater reliance on the age pension. Results from this project will inform government, employers and superannuation funds about the role of financial education in improving financial literacy and hence retirement savings decision making.

为了限制人口老龄化对联邦预算的消耗，政府引入了强制性退休金；使个人对自己退休收入的很大一部分负责。员工可以选择养老金基金和投资组合。这些都是复杂的决策，需要很高水平的金融知识。未能做出适当的决定可能会显着减少退休时的财富，导致对养老金的更大依赖。该项目的结果将使政府、雇主和养老基金了解金融教育在提高金融知识以及退休储蓄决策方面的作用。