The super system in Australia was not designed with the unique experiences and needs of many First Nations people. This report shares examples of good practices by super funds to meet the needs of Aboriginal and Torres Strait Islander people and makes recommendations for further improvements to deliver a fairer experience for First Nations members.

This report shows how Australian women’s economic security in retirement is often shaped by life events such as separation, informal care demands and family violence that can set women back financially. It proposes that with the right policy settings, gender gaps can be addressed to put more women on track for economic security in retirement.

Women across Australia continue to miss out on super due to time spent out of the paid workforce. This contributes to an overall gender gap in super balances, which leads to working women in Australia retiring with a quarter less super than men. This structural inequity also means women suffer more acutely from unpaid super.

This paper examines the impact of allowing superannuation withdrawals for housing purchases in New Zealand and its implications for the 'Super for Housing' proposal in Australia. It includes expert analysis of the New Zealand policy – setting out its effects on house prices, retirement savings, pension outlays and investment returns for super fund members.

Using superannuation for a housing deposit would make homes more expensive, hinder the home ownership aspirations of young Australians, reduce retirement incomes, and lead to a significant long-term cost to the Budget, this report finds. It charts how a long list of demand-side Australian housing policies over several decades have simply made homes more expensive.