Financial Education for effective Pension Management: Challenges and Solutions
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1 Financial Education for effective Pension Management: Challenges and Solutions Miles Larbey Senior Executive Leader, Financial Literacy OECD-Japan High-Level Global Symposium: Promoting Better Lifetime Planning through Financial Education January 2015 Session 2
2 AGENDA Role of ASIC Australians are living longer Retirement and pension system The role of financial education Examples of financial education resources, tools and programs
3 ROLE OF ASIC Australian Securities and Investments Commission (ASIC) is Australia s financial conduct regulator. Government agency responsible for Financial Literacy. ASIC s MoneySmart financial literacy program.
4 AUSTRALIA S NATIONAL FINANCIAL LITERACY STRATEGY
5 AUSTRALIANS ARE LIVING LONGER The Australian population is ageing and life expectancy is increasing. By 2040: the proportion of the population over 65 years old is expected to be 25% (up from 13% in 2000) estimated life expectancy for males will be 86.1 years (up 6 years from 2010) and females 89.2 years (up 5 years from 2010) Living longer means that retirement savings need to last longer
6 RETIREMENT PLANNING AND THE PENSION: THE AUSTRALIAN CONTEXT The retirement income framework in Australia is based on 3 pillars: Age Pension Compulsory superannuation Voluntary savings (superannuation + non-superannuation)
7 RETIREMENT INCOME FRAMEWORK The Age Pension is a safety net through Australia s social security system which is means-tested based on income and assets. Compulsory Superannuation Superannuation Guarantee currently 9.5% of salary paid by employer concessionally taxed contributions capped Voluntary savings can be done: within the superannuation environment by making voluntary superannuation contributions outside the superannuation environment by investing in assets such as property or managed investments
8 SUPERANNUATION FACTS & FIGURES As at 30 June 2013, A$1.62 trillion in superannuation assets (APRA), held in the following types of superannuation fund: Retail funds Industry funds Public Sector funds Corporate funds Self-managed superannuation funds (SMSF) 509,362 funds at June 2013 Superannuation contributions to June 2013 totalled A$115.3 billion (APRA) Average superannuation balance at time of retirement in 2011/12, A$197,000 for men and A$105,000 for women (ASFA) Men held around 64% of total account balances in 2011/12, compared to 36% for women (ASFA)
9 THE ROLE OF FINANCIAL EDUCATION IN PREPARING AUSTRALIANS FOR RETIREMENT Financial education aims to provide Australians with the right financial knowledge, skills and behaviours to make informed financial decisions. Having the skills to confidently navigate the financial system will allow Australians to adequately prepare for retirement. For example: Managing a budget with potentially reduced retirement income Reducing debts before retirement age Setting retirement goals Understanding what investment options are available and suitable Making the most of superannuation savings.
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11 ASIC S MONEYSMART SUPER CONTENT 5 million unique visitors to ASIC s MoneySmart in million people visited the superannuation content on ASIC's MoneySmart website in 2014 Keeping track and lost super Self Managed Super Funds (SMSF) Retirement income planning How super works Is your super on target?
12 ASIC S MONEYSMART ONLINE TOOLS Top 2 tools: Budget planner Mortgage Calculator Top 5 Super tools: Retirement planner Super calculator Super and age pension calculator Super vs mortgage calculator Super contributions optimiser
13 RETIREMENT PLANNER
14 SUPERANNUATION CALCULATOR
15 SUPER DECISIONS Key topics What is superannuation? Choosing a super fund Choosing the best investment option Putting extra money into super Changing funds Consolidating small super accounts Getting access to your super early
16 WHAT OTHER GOVERNMENT AGENCIES ARE DOING e.g. Centrelink s Financial Information Service Focus on helping people plan for retirement Free and independent financial information seminars Face to face or phone interviews
17 WHAT INDUSTRY IS DOING Many super funds in Australia provide their members with the following financial education: Calculators to project future retirement income (e.g. Australian Super s Retirement Income Calculator) Seminars and events (e.g. Hesta and Members Equity Bank s Money Makeover seminars) Online content, fact sheets and videos (e.g. AMP s web content on Understanding Super and videos on Choosing your superannuation fund )
18 THANK YOU
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