澳大利亚财政部长吉姆·查尔默斯于9月21日发布代际报告，该报告显示澳大利亚的强制性养老金制度在控制养老金支出方面的表现在发达国家中最为突出1。报告预测到2066年，澳大利亚养老金支出将从当前GDP的2.3%下降至1.8%，远低于英国预计的10%、加拿大的8%、新西兰的7%和美国的6%1。与此同时，澳大利亚养老金池规模已达4万亿澳元，退休人员的中位数资产余额预计将接近45万澳元，相比十年前的20万澳元有显著增长1。
报告同时指出，澳大利亚超过养老金年龄的人数预计从当前的660万增加至2066年的900万，而领取养老金或收入支持的比例将从去年的66%下降至2066年的52%1。查尔默斯以这些数据反对单一民族党允许购房者和租房者提前支取部分养老金的提议，指出若一名25岁的工人现在提取1元，到退休时将损失3元1。报告测算，中等收入全职工人若允许提前支取，退休收入将减少2.5万澳元，而一对夫妇的损失将超过5万澳元1。
Treasurer Jim Chalmers released the Intergenerational Report on September 21, highlighting Australia's mandatory superannuation system as the most effective among developed nations at restraining pension expenditure 1. The report projects that pension spending will decline from 2.3 percent of GDP to 1.8 percent by 2066, a trajectory that contrasts sharply with comparable economies 1. In the same period, the United Kingdom's pension spending is forecast to reach 10 percent of GDP, Canada's 8 percent, New Zealand's 7 percent, and the United States' 6 percent 1.
The demographic landscape is also shifting, with the number of Australians exceeding pension age expected to rise from 6.6 million to 9 million by 2066 1. Despite this increase, the proportion of people receiving pensions or income support is projected to fall from 66 percent to 52 percent 1. The median superannuation balance for retirees is anticipated to reach approximately 450,000 Australian dollars, a significant rise from 200,000 dollars a decade earlier 1.
Using these findings, Chalmers argued against the proposal to allow home buyers and renters to access portions of their superannuation early 1. The treasurer emphasized the long-term costs of such withdrawals, noting that a 25-year-old worker withdrawing one dollar today would forfeit three dollars at retirement 1. A middle-income full-time worker would lose 25,000 dollars in retirement income under such a policy, while a couple would lose more than 50,000 dollars 1. Australia's superannuation pool currently stands at 4 trillion dollars 1.
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