Women and Retirement Incomes in Australia: A Review*

Abstract

More than 60 per cent of age pensioners in Australia are women. Although public policy encourages private saving for retirement through compulsory superannuation, projections of women's superannuation accumulations predict that women will continue to rely heavily on government and private transfers in retirement. This review synthesises the outcomes from existing research to show that expectations about the level and source of women's retirement incomes are clearly linked with low earnings. This occurs in combination with both attitudinal and institutional barriers to active retirement planning.

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