Retirement asset decumulation: Adequacy, institutions and products

退休资产累积：充足性、机构和产品

• 批准号: DP0449462
• 负责人: Prof John Piggott
• 金额: $ 19.85万
• 依托单位: The University of New South Wales
• 依托单位国家: 澳大利亚
• 项目类别: Discovery Projects
• 财政年份: 2004
• 资助国家: 澳大利亚
• 起止时间: 2004-03-31 至 2007-06-30
• 项目状态: 已结题
• 来源: https://dataportal.arc.gov.au/RGS/Web/Grants/DP0449462
• 关键词: Retirement; asset; decumulation; Adequacy; institutions

This proposal seeks to evaluate the present and future adequacy of retirement provision, and offers alternative, practical solutions to the problem of how to maximise the value of a retiree's accumulated assets and facilitate a financially secure retirement. First, a re-evaluation of the replacement rate as a measure of retirement provision adequacy will be undertaken. Second, the efficacy of new financial products and institutions designed to enhance the value of a retirement accumulation for retirement consumption will be analysed. Global trends towards population aging and increasing reliance on self-provision for retirement lends both urgency and significance to the proposed research.

这项建议旨在评估现时及日后的退休保障是否足够，并就如何使退休人士的累积资产增值，以及协助他们在退休后获得经济保障的问题，提供其他切实可行的解决办法。首先，将重新评估作为衡量退休准备金充足程度的替代率。其次，将分析旨在提高退休储蓄价值以供退休消费的新金融产品和机构的功效。全球人口老龄化的趋势和越来越多的依赖自我提供退休贷款的紧迫性和重要性，拟议的研究。