Expenditure needs and drawdown of retirement savings during later life: how important are demographic factors and financial resources?

晚年的支出需求和退休储蓄的提取：人口因素和财务资源有多重要？

• 批准号: LP0776784
• 负责人: Prof Terence O'Neill
• 金额: $ 14.01万
• 依托单位: Bond University
• 依托单位国家: 澳大利亚
• 项目类别: Linkage Projects
• 财政年份: 2008
• 资助国家: 澳大利亚
• 起止时间: 2008-06-30 至 2016-04-30
• 项目状态: 已结题
• 来源: https://dataportal.arc.gov.au/RGS/Web/Grants/LP0776784
• 关键词: Expenditure; needs; drawdown; retirement; savings

Projections of expenditure patterns in retirement which allow for population heterogeneity will provide individuals with a better appreciation of their income needs and their savings requirements for a comfortable retirement. It will also enable financial institutions to develop products which better target retirees' needs over the course of retirement, and in addition it will enable improved assessment of aspects of Government income support policy. Specifically, understanding the complex interactions between private and public pensions, and concession card receipt upon expenditure behaviour, will enable more accurate costings of the public support of elderly families as Australia's population ages.

考虑到人口的异质性，对退休支出模式的预测将使个人更好地了解其收入需求和舒适退休所需的储蓄需求。它还将使金融机构能够开发更好地针对退休人员在退休过程中的需求的产品，此外，它还将有助于改进对政府收入支助政策各方面的评估。具体地说，了解私人和公共养老金之间的复杂互动，以及优惠卡收入与支出行为之间的关系，将使人们能够更准确地计算随着澳大利亚人口老龄化而对老年家庭的公共支持的成本。