Table of Contents
A Super future?
Litany of woes
‘Implausible script for a farce', or resilience of NZS in the face of political shenanigans?
Is public provision affordable?
Future sustainability?
Are the low ratio countries getting it right?
Options to reduce cost of NZS
PRG recommendations
Genuine problems with NZ model
Structuring the debate about saving
The CAD problem
Poor quality investment
Low household saving- cause?
Little evidence to suggest that policies to encourage private provision help national savings
National saving = Household saving +Business saving +Government saving
The root cause of NZ’s deficiency is inadequate saving”
Address national saving/ investment problems directly
Retirement incomes design is a distributional issue
Equity issues
Do universal pensions make sense?
Why is integration tricky?
A welfare approach
Down the Australian path we go
Top-up approaches
Example : Low, price-indexed universal or age benefit
The tax credit approach
Wage indexed tax credit, abated for high incomes through the tax system
Where have private pensions gone?
Pressing reform issues
Consensus is vital
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Author: Susan St John
Email: s.stjohn@auckland.ac.nz
Home Page: http://www.geocities.com/Wellesley/Garden/9441/SusanStJohn/
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