Retirement income policy research and reports
The Commission commissions and conducts research which offers data, analysis and commentary into issues related to New Zealand’s retirement income policy. If you wish to request a report that is not listed here, please contact us.
2013 Review of Retirement Income Policy
Terms of reference
History and trends
N.B. The above paper has received one peer review and is awaiting a second. It is therefore subject to further revision.
New Zealand Superannuation Fund
Financial literacy in retirement income
Please note that this paper is in penultimate form and may be altered. It has had one peer review (as at 18th March 2013) and is awaiting the comments of a second reviewer.
Policy position papers, 2012
Each position paper in this series explains one of the objectives of retirement income policy and sets out the Commission’s view. The papers are intended to promote debate, understanding and consensus on sustainable retirement income policy.
Read the policy position papers here (or see below to download and print them).
Download the policy position papers
You can download and print the policy position papers.
2010 Review of Retirement Income Policy
On 7 December 2010 the Retirement Commissioner released the 2010 Review of Retirement Income Policy.
For copies of the submissions received during the 2010 review, please contact us.
2007 Review of Retirement Income Policy
On 17 December 2007 the Retirement Commissioner released the 2007 Review of Retirement Income Policy.
For copies of the submissions received during the 2007 review, please contact us.
Earlier retirement income policy reviews
Before 2007, reviews of retirement income policy were conducted by different groups, appointed by government, with specific terms of reference.
Periodic Report Group
The Periodic Report Group reported in 1997 and 2003.
Further information on the Periodic Report Group can be found on the New Zealand Treasury website.
Task Force on Private Provision for Retirement
The Task Force on Private Provision for Retirement reported in 1991 and 1992.
Retirement income in New Zealand
Mixed messages: the future direction of New Zealand's retirement income policies (PDF 714.36 KB, Sep 2012). Roger Hurnard (2011) (a conference paper sponsored by the Commission for Financial Literacy and Retirement Income).
Conference papers: Retirement Income Policy and Intergenerational Equity Conference, Institute for Governance and Policy Studies (IGPS), Victoria University of Wellington (2010).
The conference papers are also available for purchase in book form at the IGPS Publications webpage.
Review of Retirement Income Policies, Home Equity Release Products in New Zealand: Risks and Opportunities, Report to Retirement Commission for the New Zealand Institute for Research on Ageing (PDF 534.69 KB, Feb 2013). Judith Davey (2007).
The Policy Implications of Decumulation in Retirement in New Zealand (PDF 440.77 KB, Feb 2013). A background paper setting out the issues prepared for the Retirement Commission. Susan St John (2006).
Home Equity Release Schemes in New Zealand: Consumer Perspectives, Final Report on Research for the Retirement Commission and the Office for Senior Citizens (PDF 575.41 KB, Feb 2013). Judith Davey & Virginia Wilton (2006).
Retirement income internationally
Financial wellbeing: Concerns and choices among older Australians. June 2012, Higgins, T. and S. Roberts, National Seniors Productive Ageing Centre (PDF, 2.16 MB)