Retirement income product innovation

退休收入产品创新

• 批准号: DP170102275
• 负责人: Em/Prof Michael Sherris
• 金额: $ 24.48万
• 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: 2017
• 资助国家: 澳大利亚
• 起止时间: 2017-01-01 至 2020-07-01
• 项目状态: 已结题
• 来源: https://dataportal.arc.gov.au/RGS/Web/Grants/DP170102275
• 关键词: Retirement; income; product; innovation

This project aims to develop and assess comprehensive retirement income products to support sustainable retirement income streams for the Australian superannuation system. It will provide a framework to develop flexible structured retirement income products, taking into account the fair and effective allocation of costs and risks. Actuarial and financial analysis will highlight savings in Age Pension and aged care costs arising from more effective design of retirement income products incorporating investment and longevity risk. It intends to develop risk sharing retirement products, risk management strategies, and longevity index-based hedging contracts to share and mitigate financial and longevity risk.

该项目旨在开发和评估全面的退休收入产品，以支持澳大利亚养老金系统的可持续退休收入流。它将提供一个框架，以发展灵活的结构性退休收入产品，并考虑到公平和有效地分配成本和风险。精算和财务分析将突出老年养老金和老年护理费用的节省，这是由于更有效地设计了包含投资和长寿风险的退休收入产品。它打算开发风险分担退休产品，风险管理策略和基于长寿指数的对冲合同，以分担和减轻财务和长寿风险。