The central question addressed in this paper is: does having a workplace or personal superannuation scheme result in a higher level of accumulation for retirement? The paper presents a range of information about the participation and level of holdings in workplace and personal superannuation...

There is an on-going debate about the level of savings in New Zealand. A fundamental question pervades the debate: namely, are we saving enough? This question arises at two levels: for the economy as a whole and for individual households. At the macroeconomic level, the concern is whether our...

Bargaining models of household wealth accumulation point to a potential conflict of interest between husbands and wives. Since wives are typically younger than their husbands and have longer life expectancy, they have to finance a longer expected retirement period. Thus, it is argued that when...

Human capital is increasingly believed to play an important role in the growth process, however, adequately measuring its stock remains controversial. This paper identifies three general approaches to human capital measurement; cost-based, income-based and education-based, and presents a...

Housing is an important sector of the economy. It has widespread implications for investment, banking, saving and employment. Home ownership has been linked to building social capital and a sense of community. Furthermore housing equity is a significant element of retirement accumulation for...

The purpose of this paper is to examine the absolute and relative income mobility in disposable income in New Zealand using the full longitudinal data from the Survey of Family, Income and Employment (SoFIE) from 2002 to 2010. To summarise the patterns of mobility, we analyse the income changes...