'A husband is not a retirement plan'

Achieving economic security for women in retirement

29 April 2016

© Commonwealth of Australia 2016
ISBN 978-1-76010-417-7

View the report as a single document - (PDF 1281KB)

View the report as separate downloadable parts:

Senate Economics References Committee (PDF 20KB)
Abbreviations (PDF 12KB)
Overview and list of recommendations (PDF 29KB)
Chapter 1 - Introduction (PDF 175KB)

About the inquiry
Structure of the Report

Chapter 2 - Background (PDF 134KB)

Australia's retirement income system
Gender pay gap, gender retirement savings gap, and gender wealth gap
Women's working lives
Women in retirement
Need for long and short term approaches

Chapter 3 - Narrowing the gender pay gap (PDF 102KB)

Equal pay for work of equal value
Narrowing the gender pay gap within organisations

Chapter 4 - Women's working experience (PDF 144KB)

Women's workforce participation
Flexible work arrangements
Tax transfer system and workforce participation
Access to affordable childcare
Paid parental leave
Older women and carers

Chapter 5 - Australia's retirement income system (PDF 135KB)

Calls for a comprehensive review
Valuing unpaid care

Chapter 6 - Superannuation (PDF 174KB)

Summary of the superannuation savings gap
Defining the objective of superannuation
Taxation of superannuation
Compulsory superannuation
Other proposed structural changes to the superannuation system

Chapter 7 - Voluntary superannuation contributions, co-contribution schemes and employer schemes (PDF 122KB)

Concessional contribution caps
Super co-contribution scheme
Employer initiatives—additional super contributions for female employees

Chapter 8 - The Age Pension (PDF 80KB)

The importance of the Age Pension, now and into the future
Access to the Age Pension
The adequacy of the Age Pension
Committee view

Chapter 9 - Housing and economic security in retirement (PDF 75KB)

Women in retirement and housing stress: a troubling trend
Proposed measures to assist renters
Accessing equity in the home

Chapter 10 - Financial literacy (PDF 48KB)

Current levels of financial literacy
Target financial literacy programs

Chapter 11 - Achieving dignity and economic security in retirement (PDF 66KB)

Three pillars of Australia's income system
Gender pay gap
Women's workforce participation
Australia's retirement income system
Incentives to contribute to superannuation
The Age Pension
Housing and economic security in retirement
Financial literacy

Coalition Senators' additional comments (PDF 16KB)

Inquiry findings

Additional Comments—Australian Greens (PDF 25KB)

Progressive super tax reform
Gender-lens budgeting
Flexible working arrangements
Super top-ups for women
Housing affordability
Gender pay gap - pay transparency

Appendix 1 - Submissions received (PDF 14KB)
Appendix 2 - Public hearings and witnesses (PDF 14KB)

Committee Secretariat contact:

Senate Standing Committees on Economics
PO Box 6100
Parliament House
Canberra ACT 2600

Phone: +61 2 6277 3540