Brotherhood of St Laurence

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'Blue skies' ASFA'S blueprint for a national retirement income policy. /

by Association of Superannuation Funds in Australia.

Publisher: Sydney, N.S.W. Association of Superannuation Funds in Australia 1998Description: 40 p.Availability: Items available for loan: Brotherhood of St Laurence (1).

Active ageing /

by European Commission.

Publisher: Brussels European Commission 2012Description: PDF.Other title: Special Eurobarometer ; no. 378.Online Access: Electronic copy Notes: January 2012 Annexes pp. 124-260Summary: As the 2012 European Year for Active Ageing and Solidarity between Generations gets off the ground, the European Commission has published an extensive survey on active ageing to understand citizens' views and attitudes towards older people. The survey also covers the contribution of older people in the workplace and society, as well as how best to promote the active role of older people in society.Availability: (1)

Adequacy and equity in retirement incomes : submission to the Strategic Review of Pensions Income and Assets Tests. /

by Brotherhood of St Laurence.

Publisher: Fitzroy, Vic. Brotherhood of St Laurence 1994Description: 11 p.Online Access: Electronic copy Notes: September 1994Availability: Items available for loan: Brotherhood of St Laurence (1).
Items available for reference: BSL Archives (1).

Adequacy of retirement incomes. /

by McClelland, Alison | Brotherhood of St Laurence.

Publisher: unpub. 1988Description: 12p. PDF.Online Access: DOWNLOAD PDF Notes: A paper delivered at a seminar on the Social Security Reviews issues paper, "Towards a National Retirement Incomes Policy". Older Persons Planning office, 19 December 1988.Availability: Items available for loan: Brotherhood of St Laurence (1).
Items available for reference: BSL Archives (1).

Adult financial literacy in Australia : full report of the results from the 2011 ANZ Survey /

by ANZ Banking Group.

Publisher: n.p. ANZ Banking Group 2011Description: PDF.Online Access: Electronic copy Notes: December 2011 Appendices pp. 117-137Summary: This report presents key findings from the 2011 ANZ Survey of Adult Financial Literacy in Australia - the fourth Survey in a series published since 2003. Financial literacy is the ability to make informed judgements and to take effective decisions regarding the use and management of money. Financial literacy is therefore a combination of a person's skills, knowledge, attitudes and ultimately their behaviours in relation to money. To capture this concept, we focused on the behaviours that can be considered indicators of a person's financial literacy. Analysis identified five behavioural indicators: keeping track of finances, for example monitoring account statements and household expenses; planning ahead, which includes behaviours such as addressing retirement income issues, using financial advisers and using insurance; choosing financial products, for example the extent of comparison shopping for financial products and services; staying informed, for example the extent to which people make use of financial information; and financial control which includes things like control of general financial situation and debt as well as ability to save money. Having identified the behaviours that indicate a person's financial literacy, the next step was to examine which groups performed well in terms of these behaviours and which groups did not. In other words, which groups display behaviours that indicate high levels of financial literacy and which display behaviours that indicate lower levels of financial literacy? Then, to help explain differing levels of financial literacy between groups, associations with peoples' characteristics such as age, education, household circumstances, financial knowledge, numeracy and financial attitudes were examined. These explanations are not complete, but they do assist in building our understanding of the characteristics of groups in the community who may benefit from improved levels of financial literacy.Availability: (1)

Age of opportunity : transforming the lives of older people in poverty /

by Centre for Social Justice. Older Age Working Group.

Publisher: London, U.K. Centre for Social Justice 2011Description: PDF.Online Access: Electronic copy Notes: A policy report by the Older Age Working Group Chaired by Sara McKee June 2011 Bibliography : pp. 149-153Summary: Life expectancy in Britain has increased dramatically over the last 80 years. This is an achievement that should be celebrated unequivocally as many older people have been able to realise the opportunities a longer life has afforded. Home ownership has reached unprecedented levels and civic participation is widespread. Yet there is another side of the coin. This review's interim report, The Forgotten Age, identified another group of older people in Britain for whom increased life expectancy has not yet afforded greater opportunities. With one in five pensioners living below the poverty line, we analysed the wide range of challenges facing older people in our most deprived communities: stubbornly high levels of social isolation, not helped by poor transport routes particularly in rural areas; the poor housing conditions in which many (and even many homeowners) live; the poor health from which many suffer; the lack of access to good, independent financial advice and a faltering social care system. We believe, however, that for this group later life does not have to be this way. We believe the challenges identified in The Forgotten Age are not insurmountable and that for these individuals later life can be the 'time of gifts' it is for so many others. Age of Opportunity focusses on reforms to bring about this change.Availability: (1)

Age shock : how finance is failing us. /

by Blackburn, Robin.

Publisher: London, U.K. Verso 2006Description: 328 p.Notes: Includes bibliographical references (p. 305-309) and index.Availability: Items available for loan: Brotherhood of St Laurence (1).

Aggregate anaylses of policies for accessing superannuation accumulations . /

by Rothman, George P.

Publisher: Parkes, A.C.T. Australia. The Treasury 1997Description: 23 p.Notes: URL: 'http://rim.treasury.gov.au/content/CP97_2.asp' Checked: 2/03/2009 9:39:15 AM Status: Live Details: HTTP status 200 - Usual success responseAvailability: Items available for loan: Brotherhood of St Laurence (1).

Allowing access to superannuation for housing : a discussion paper. /

by Australia. The Treasury.

Publisher: Canberra, A.C.T. The Treasury 1997Description: 36 p.: ill., tables.Notes: URL: 'http://INTERNET' Checked: 2/03/2009 9:39:10 AM Status: Live Details: HTTP status 200 - Usual success response URL: 'http://www.budget.gov.au/1997-98/min/superdis.pdf' Checked: 2/03/2009 9:39:10 AM Status: Live Details: HTTP status 200 - Usual success responseAvailability: Items available for loan: Brotherhood of St Laurence (1).

Are older Australians being short changed? An analysis of household living costs /

by Kelly, Simon | National Seniors Productive Ageing Centre.

Publisher: Braddon, A.C.T. National Seniors Productive Ageing Centre 2011Description: PDF.Online Access: Electronic copy Notes: November 2011 Bibliography p. 23 Appendices pp. 24-28Summary: In this report, we examine how well the consumer price index (CPI) measures inflation for the overall Australian community and how living cost pressures are being distributed throughout the population. We focus mainly on older Australian households (those with the head aged 50 years and over) as many of these households are on low incomes, and spend a large proportion of their budget on essential living cost ("non-discretionary") items. ; HOUSEHOLD, INCOME AND LABOUR DYNAMICS IN AUSTRALIA SURVEY (HILDA)Availability: (1)

Assessing age pension options : public opinion in Australia 1994-2001 with comparisons to Finland and Poland . /

by Evans, M.D.R | University of Melbourne. Melbourne Institute of Applied Economic and Social Research | Kelley, Jonathan.

Publisher: [Parkville, Vic.] Melbourne Institute of Applied Economic and Social Research 2004Description: PDF.Online Access: Electronic copy Notes: September 2004 Includes bibliographical references (p. 51-55)Availability: Items available for loan: Brotherhood of St Laurence (1).

Assessing the national saving effects of the Government's superannuation policies : some examples of the new RIMgroup national saving methodology. /

by Gallagher, Phil.

Publisher: Parkville, Vic. Centre for Actuarial Studies. University of Melbourne 1997Description: 17 p.Notes: URL: 'http://rim.treasury.gov.au/content/CP97_3.asp' Checked: 2/03/2009 9:39:15 AM Status: Live Details: HTTP status 200 - Usual success responseAvailability: Items available for loan: Brotherhood of St Laurence (1).

Asset rich, but income poor : Australian housing wealth and retirement /

by Bradbury, Bruce | University of New South Wales. Social Policy Research Centre.

Publisher: Canberra, A.C.T. Australia. Department of Families, Housing, Community Services and Indigenous Affairs 2010Description: viii, 44 p. : ill.Other title: Australia. Department of Families, Housing, Community.Online Access: Electronic copy Notes: Bibliography : p. 43-44Summary: This paper examines patterns of housing wealth among the aged in Australia over time and compares Australian housing wealth patterns with those in North America and Western Europe, to determine if the Australian elderly hold particularly high levels of housing wealth, and if this leads to a relative overconsumption of housing. The paper uses data from the three most recent Australian Bureau of Statistics (ABS) Household Expenditure Surveys (1993/94, 1998/99 and 2003/04).Availability: Items available for loan: Brotherhood of St Laurence (1).

Australia's future tax system : the retirement income system : report on strategic issues. /

by Australia's Future Tax System Review Panel.

Publisher: Canberra, A.C.T Australia Government, The Treasury 2009Description: PDF.Other title: The Henry Review.Notes: Retirement & ageingAvailability: No items available

Australia's mandated private retirement income scheme : an economic perspective. /

by Bateman, Hazel | Piggott, John.

Publisher: 1993Description: p.1-47.Notes: Contains two papers - Bateman, Hazel. Australia's mandated private retirement income scheme : an economic perspective. Borowski, Allan. Retirement income arrangements in six countries in comparative perspective. At foot of cover: Economic Planning Advisory Council. July 1993 . AGPS cat. no. 931989X indexed paperAvailability: Items available for loan: Brotherhood of St Laurence (1).

Australia's retirement income system : historical development and effects of recent reforms. /

by Warren, Diana | University of Melbourne. Melbourne Institute of Applied conomic and Social Research.

Publisher: Parkville, Vic. Melbourne Institute of Applied Economic and Social Research 2008Description: PDF.Other title: Melbourne Institute of Applied Economic and Social Research.Online Access: Electronic copy Notes: November 2008Summary: "Over the past decade, changes to Australia s retirement income policy have been announced in almost every Federal Budget, with no signs yet that reform is coming to an end. Indeed, the Simpler Super reforms announced in the 2006 Federal Budget have been described as the largest overhaul of Australia s superannuation system since the introduction of compulsory superannuation. This paper describes the current retirement system in Australia and provides a summary of the historical development of the Australian retirement system, with special emphasis placed on the recent reform initiatives designed to increase labour force participation of mature age Australians, provide higher levels of savings for retirement, and reduce reliance on the Age Pension as the main source of retirement income. The final section of the paper contains a review of the existing research addressing the issue of whether recent changes to retirement income policy will in fact have their intended effects. At this point it is still unclear whether these reforms will increase mature age labour force participation or reduce reliance on the Age Pension. Indeed, some have argued that these policy changes create perverse incentives, and will encourage early retirement." -- Publisher website.Availability: Items available for loan: Brotherhood of St Laurence (1).

Australian retirement incomes /

by King, Anthony | Baekgaard, Hans | Harding, Ann.

Publisher: Canberra, A.C.T. National Centre for Economic Modelling, University of Canberra 1999Description: PDF.Online Access: Electronic copy Notes: August 1999 Bibliography : p. 56-58Summary: This paper provides a comprehensive picture of the Australian retirement income system and of the incomes of the aged. It begins with an account of the role of government cash benefits - principally the age pension - and includes a description of policy developments, entitlements and coverage. A similar account of privately provided retirement incomes is then provided with a focus on the important recent developments in superannuation policy. These accounts reveal a retirement incomes system in transition - away from the current heavy reliance on the flat-rate means-tested age pension and toward a greater reliance on privately provided retirement income through superannuation. The new system is projected to be more sustainable and to deliver higher retirement incomes. The latter part of the paper describes the incomes of the Australian aged at present. The picture is dominated by the flat-rate age pension. Where other incomes are received, they have a marked effect on income levels and distribution. As the benefits from wider and deeper superannuation coverage start to flow through, the dispersion of aged incomes can be expected to increase.Availability: (1)

Averting the old age crisis : policies to protect the old and promote growth. /

by World Bank.

Publisher: New York, NY Published for the World Bank by Oxford University Press 1994Description: 402 p. Bibliography: p.374-398.Summary: This study suggests that financial security for the old and economic growth would be better served if governments develop three systems, or "pillars", of old age security; a publicly managed system with mandatory participation and the limited goal of reducing poverty, a privately managed, mandatory savings system; and voluntary savings.Availability: Items available for loan: Brotherhood of St Laurence (1).

Can the taxpayer afford 'self-funded retirement'? /

by Denniss, Richard | The Australia Institute | Richardson, David.

Publisher: Bruce, A.C.T. The Australia Institute 2012Description: PDF.Other title: The Australia Institute policy brief ; no. 42.Online Access: Electronic copy Notes: August 2012 Bibliography : p. 15Summary: Australian taxpayers contributed Availability: (1)

Changing labour force involvement, early retirement and superannuation. /

by Rosenman, Linda.

Publisher: 1994Description: pp.167-174.Notes: Rec. no. for book: B6167 indexed paperAvailability: Items available for loan: Brotherhood of St Laurence (1).

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