Harmonisation of pensions and housing

Harmonisation of pensions and housing

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Speaker(s): Martin Stevenson (M A STEVENSON & CO, Actuaries Institute (Australia), First State Super)

In respect of retirement income systems, actuaries are very prominent in the domains of pensions and Social Security. However, a retiree's living arrangements (home ownership or affordable rental) are at least as important for retirement outcomes. This paper draws on the expertise of members of the Population Issues Working Group of the International Actuarial Association to explore the current position in relation to housing in a number of countries, and investigates whether harmonizing pension and housing policy can lead to better retirement results.
Matters that are covered in the paper include:
1. The prevailing model of home ownership / renting in each country;
2. Trends in housing; and in particular the level of financial stress through owning or renting a home;
3. The roles that home ownership can play to assist retirement outcomes; and the effect on the alternative objectives of the ability to fund aged care and/or leave a bequest.
4. The possible role of retirement funds to assist home ownership, including consideration of the legislative environment set by the government; and
5. Variations in housing status according to socio-economic status, and particularly the position of the lower socio-economic groups.

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