Superannuation Reimagined

Moving Beyond the Origins to an Indigenous Focus

Bibliographic Data

ID11228022
AuthorsLevon Blue (0000-0001-9046-7832, The University of Queensland St Lucia Campus Brisbane Queensland Australia, corresponding author), Peter Anderson (0000-0003-4605-9828, University of New England Armidale New South Wales Australia), Mark Brimble (0000-0001-7554-9004, Griffith University, Nathan Campus Nathan Queensland Australia)
Year2025
Publication date2025-09-07
Open AccessYes
TypeARTICLE
VenueAustralian Journal of Social Issues (JOURNAL)
Journal identifiersISSN: 0157-6321 • E-ISSN: 1839-4655
PublisherWiley (PUBLISHER • GB)
DOI10.1002/ajs4.70037
OpenAlexW4414043296
LanguageEN
References cited7

Retirement income systems, such as superannuation, are meant to be non‐discriminatory and consider disadvantage faced by members of society. There are significant differences between the life expectancies of Indigenous and non‐Indigenous peoples. The gap in life expectancies is not considered when determining when Indigenous peoples can retire. In this paper, we revisit what has been written about Indigenous peoples having early access to superannuation. To understand the financial implications of early access to superannuation we use existing data to model what early access to superannuation would look like at age 45, 50, 55 and 60. Based on our modelling we reveal the projected shortfalls and in some cases surpluses in projected superannuation balances. Last, we propose ways to close the superannuation gap and create intergenerational wealth for Indigenous peoples by adding a fourth pillar to the current three pillar retirement income system

Disadvantage · Indigenous · Pillar · Project commissioning · Publishing · Economic, financial, and policy analysis

Tools

Open DOIOpen Access