提前取款对退休时养老金余额的影响：澳大利亚的证据

IF 16.4 1区化学 Q1 CHEMISTRY, MULTIDISCIPLINARY Accounts of Chemical Research Pub Date : 2024-05-01 DOI:10.1111/irfi.12452

Utkarsh Kapoor, Reza Tajaddini, Amir Moradi-Motlagh

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引用次数: 0

摘要

本研究探讨了提前免税发放养老金（ERS）对澳大利亚人养老金退休余额的影响，ERS 是为应对 COVID-19 大流行病造成的经济灾难而推出的一种金融刺激措施。通过考虑 2800 种基于个人工作行业、年龄、提取金额和资产配置策略的情景，我们发现，如果个人选择加入 ERS，那么采用非激进资产配置策略的个人可能难以达到退休后舒适生活所需的最低养老金余额。这种影响对于受雇于某些行业（如住宿和餐饮业以及零售业）的个人更为明显。

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The impact of early withdrawal on superannuation balance at retirement: Evidence from Australia

This study examines the effect of the early tax-free release of the superannuation (ERS), which was introduced as a financial stimulus to counter the economic havoc created by the COVID-19 pandemic, on Australians' superannuation retirement balances. By considering 2800 scenarios based on individuals' working industries, age, withdrawal amounts, and asset allocation strategies, we find that individuals with non-aggressive asset allocation strategies may struggle to reach the minimum required superannuation balance for a comfortable lifestyle in retirement if they opt-in for the ERS. This impact is more evident for individuals employed in certain industries such as accommodation and food, and retail trade.

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来源期刊

Accounts of Chemical Research 化学-化学综合

CiteScore

31.40

自引率

1.10%

发文量

312

审稿时长

2 months

期刊介绍： Accounts of Chemical Research presents short, concise and critical articles offering easy-to-read overviews of basic research and applications in all areas of chemistry and biochemistry. These short reviews focus on research from the author’s own laboratory and are designed to teach the reader about a research project. In addition, Accounts of Chemical Research publishes commentaries that give an informed opinion on a current research problem. Special Issues online are devoted to a single topic of unusual activity and significance. Accounts of Chemical Research replaces the traditional article abstract with an article "Conspectus." These entries synopsize the research affording the reader a closer look at the content and significance of an article. Through this provision of a more detailed description of the article contents, the Conspectus enhances the article's discoverability by search engines and the exposure for the research.