澳大利亚政府宣布不会提高强制养老金缴款率，将维持现行的12%标准1。同时推出针对"铅生成器"的消费者保护改革，旨在打击非法引导澳洲人投资高风险退休储蓄计划的掠夺性销售行为1。这项改革禁止未获许可的实时养老金通讯，要求持证机构确保铅生成活动合规，并强化反骚扰制度，包括更严格的同意要求和更重的违规处罚1。
此次改革源于2024-2025年First Guardian和Shield Master基金的倒闭，导致约12,000名澳洲人失去退休储蓄1。受害者Susy Zjak因冷电话被引导进入First Guardian基金，损失了574,000澳元的养老金1。Assistant Treasurer Daniel Mulino在国家新闻俱乐部宣布了这一改革举措1。
根据数据，2024/25年度批准的提前提取养老金共67,900笔，总额超过14亿澳元1。民调显示，24%的澳洲人曾提前提取养老金，其中43%对此表示后悔1。Treasurer Jim Chalmers曾警告，提前提取将"完全摧毁"数百万澳洲工人的退休收入1。
Australia's Labor government has confirmed it will not raise the compulsory superannuation contribution rate beyond the current 12 percent.1 The announcement came as the government unveiled sweeping consumer protection reforms targeting illegal lead-generation practices that have seen thousands of Australians lose retirement savings to high-risk investment schemes.1
The reforms follow the collapse of First Guardian and Shield Master funds in 2024-2025, which resulted in approximately 12,000 Australians losing their retirement savings.1 The crackdown prohibits unlicensed real-time superannuation communications and requires licensed operators to ensure lead-generation activities comply with regulations.1 Enhanced anti-harassment measures will include stricter consent requirements and increased penalties for violations.1 Assistant Treasurer Daniel Mulino announced the reforms at the National Press Club.1
One victim, Susy Zjak, was directed into the First Guardian fund following a cold call and lost 574,000 Australian dollars in superannuation.1 During the 2024-25 financial year, 67,900 early withdrawal applications were approved, totalling more than 1.4 billion Australian dollars.1 A poll found that 24 percent of Australians have withdrawn their superannuation early, with 43 percent expressing regret over the decision.1 Treasurer Jim Chalmers has warned that early withdrawals will "completely destroy" retirement income for millions of Australian workers.1
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