Securing Sustainable Retirement Incomes
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1 Securing Sustainable Retirement Incomes CSRI Leadership Forum Canberra, October 12 13
2 CSRI Leadership Forum 2016 Key Speakers Include Securing Sustainable Retirement Incomes 12 and 13 October Hotel Realm, Canberra Overview The CSRI Leadership Forum brings together leaders in public policy, industry and academia to debate how to secure a sustainable retirement incomes system for Australia and to explore alternative policy proposals. The forum aims to develop a holistic reform position, incorporating interactions with health and aged care, and to build a broad coalition of support for this agenda. While Australia s retirement incomes system has many strengths it also faces significant challenges with the impending retirement of millions of baby boomers: Many older people will live precariously, especially those without their own homes or who, for health or other reasons, are unable to keep working till pension age. A significant gender imbalance in super means women end their working lives with about half the savings of men on average and facing long years on very low incomes. The Hon. Kelly O Dwyer Minister for Revenue and Financial Services Senator Katy Gallagher Shadow Minister for Financial Services David Murray AO Chair, Financial Systems Inquiry Jeremy Cooper, Chair, Super Review, Retirement Income, Challenger Jenny Wilkinson Head, Retirement Income Policy Division, Treasury Vicki Allen Super Fund Trustee Craig Emerson Consultant & Former Trade Minister John Hewson Director & Former Liberal Party Leader Ian Yates Chief Executive, COTA Australia Catherine Wood Chair, Women in Super David Whiteley Chief Executive, Industry Super Australia Paul Bongiorno AM, Political Journalist Jim Parker MC, Dimensional Patricia Pascuzzo CEO CSRI The system shifts significant risk to individuals ill-equipped to manage it. With financial literacy low, confusion about how much to save and how to manage it is rife. The sheer complexity of the system, together with the frequency of policy changes, contributes to high transaction costs and undermines confidence. Rising longevity and increasing years in retirement add to the cost and complexity of the system and highlight the need for affordable aged care. A quarter of a century since the introduction of compulsory super, serious weaknesses remain in translating accumulated funds into secure income streams that last a lifetime. As a non-aligned group, the Committee for Sustainable Retirement Incomes has sought the input of a broad range of prominent industry, consumer and academic experts in developing policies to tackle the above challenges. The CSRI s proposed policy framework will be debated at the Leadership Forum with a view to building support for sustainable retirement incomes policies that go beyond the current budget or electoral cycles. 2 CSRI Leadership Forum 2016 Securing Sustainable Retirement Incomes Page 3
3 Timetable Day 1, Wednesday, Oct am Registration, refreshments OFFICIAL OPENING 8.30am MC Welcome Jim Parker, Dimensional Introduction Patricia Pascuzzo, CSRI Day 2, Thursday, Oct am 8.30am Hon. Kelly O Dwyer, Minister for Revenue & Financial Services (Introduced by Brian Benari, CEO, Challenger) SESSION 1: CLARIFYING THE EXTENT OF THE PROBLEM AND THE CAUSES 9.15am 9.45am Chair Maureen Daley Presentations Professor John Piggott, CEPAR and Michelle Boucher, CBUS Morning tea 9.00am 10.30am 10.15am 11.45pm 12.15pm Chair Jocelyn Furlan, First State Super Overview Professor Andrew Podger, AO, CSRI Policy Committee Panellists Catherine Wood, Women in Super and David Knox, Mercer Senator Katy Gallagher, Shadow Minister for Financial Services Chair Bob Officer AM, CSRI Policy Committee Presentations Dr Laura Ryan, PIMCO; Graeme Arnott, StatePlus; Ross Bowden, Link Group; Louise Biti, Strategy Steps Discussant Jeremy Cooper, Challenger Morning tea SESSION 7: MOVING TOWARDS A MORE SUSTAINABLE SYSTEM 11.00am SESSION 2: RETIREMENT ADEQUACY FOR ALL AUSTRALIANS SESSION 6: CHALLENGES IN DEVELOPING POST-RETIREMENT SOLUTIONS 8.45am Registration, refreshments 12.15pm 12.30pm Chair Vicki Allen, Independent Trustee Overview Patricia Pascuzzo, CSRI Panellists Ian Yates, COTA; David Whiteley, ISA; Dr John Hewson, Director OBSERVATIONS AND WAY FORWARD Dr Michael Keating AC, CSRI Policy Commitee Conference close David Murray AO, Chair, Financial System Inquiry (Introduced by Craig Cummins, PWC) Luncheon SESSION 3: SUSTAINABILITY AND INTERGENERATIONAL EQUITY 1.15pm 2.30pm Chair Dr Vince Fitzgerald AO, CSRI Policy Committee Overview Dr Michael Keating AC, CSRI Policy Committee Panellists Catherine Nance, PWC and Ian Yates, COTA Afternoon tea SESSION 4: MAKING INCOME THE GOAL 3.00pm Chair Graham Lennon Policy Update Jenny Wilkinson, Treasury Overview Patricia Pascuzzo, CSRI Panellists David Cox, Challenger; Darren Wickham, TAL; Nathan Hodge, KWM SESSION 5: POLITICAL CONTEXT FOR REFORM 4.30pm 5.30pm Chair Laura Tingle, AFR Panellists Hon John Dawkins and Hon Craig Emerson Close day 1 CONFERENCE DINNER 7.00pm Keynote Address: Paul Bongiorno AM, Political Journalist interview by Jim Parker, Dimensional 4 CSRI Leadership Forum 2016 Securing Sustainable Retirement Incomes Page 5
4 Session Questions Session 1: Clarifying the extent of the problem and the causes To what extent are people living frugally in retirement and why? What expenditures do retirees incur in retirement and when? How do people engage and get information? What is the ideal? Session 2: Retirement income adequacy for all Australians What are the projections of adequacy for different cohorts? What is the impact of broken work patterns and household structure? What are the implications of the increasing costs and complexity of aged care? What is the scope for accessing home equity? What are the triggers for retirement and the barriers to working longer? Partners Gold Sponsors Session 3: Sustainability and Intergenerational Equity How do we improve the efficiency of the safety net? What are the options for regulating aged care, the aged pension and accessing home equity? How can we encourage continued workforce participation and saving? What are the implications for sustainability of long-term healthcare costs? Session 4: Making Income the Goal How do we develop post-retirement arrangements that meet diverse needs? What should a post-retirement regulatory framework look like? What are the key features of comprehensive income products in retirement? What is the default offering and what are the responsibilities of trustees? Bronze Sponsors Session 5: Political Context for Reform Is it reasonable to expect a non-partisan approach to retirement incomes policy? And how will reform be implemented and what environment is needed? Is stability in settings important? If so, what needs to happen to secure it? How do we build consensus between generations and stakeholder groups? Session 6: Challenges in Developing Post-Retirement Solutions If income is the goal, what innovations are required in investment strategies? What are the implications from a low or even negative yield environment? What administration issues do comprehensive income products face? What is the role of financial planning in tailoring solutions for individuals? How do we meet the need for aged care financing? Session 7: Moving Towards a Sustainable System How do we build a long-term policy perspective into the system? What are the key features of a reform program? How do we build consensus and communicate the benefits? 6 CSRI Leadership Forum 2016 Securing Sustainable Retirement Incomes Page 7
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