From: Subject: Economic survey of New Zealand 2007: Public pensions and retirement savings Date: Fri, 4 May 2007 10:01:55 +0700 MIME-Version: 1.0 Content-Type: multipart/related; type="text/html"; boundary="----=_NextPart_000_001D_01C78E33.3EC2D260" X-MimeOLE: Produced By Microsoft MimeOLE V6.00.2900.2180 This is a multi-part message in MIME format. ------=_NextPart_000_001D_01C78E33.3EC2D260 Content-Type: text/html; charset="utf-8" Content-Transfer-Encoding: quoted-printable Content-Location: http://www.oecd.org/document/45/0,2340,en_2649_201185_38417645_1_1_1_1,00.html =EF=BB=BF Economic = survey of New Zealand 2007: Public pensions and retirement = savings
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Economic survey of = New=20 Zealand 2007: Public pensions and retirement=20 savings
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Contents | Executive=20 Summary | How=20 to obtain this publication | Additional=20 information

The following OECD assessment and recommendations = summarise=20 Chapter 2 of the Economic=20 survey of New Zealand, published on 23 April = 2007.

Contents       &nb= sp;           &nbs= p;            = ;            =             &= nbsp;           &n= bsp;           &nb= sp;           &nbs= p;            = ;            =       

The basic design of public pensions is = sound

The government has already taken important steps to = reform the=20 public pension system. These have included raising the age = of=20 entitlement to a pension to 65 years and establishing the = New=20 Zealand Superannuation Fund to partially pre-fund future = pension=20 liabilities. Overall, the main features of New Zealand=20 Superannuation are well crafted and have successfully erased = poverty=20 among the elderly by providing a flat-rate pension to = everyone who=20 has satisfied the residential eligibility criteria. As = benefits are=20 not income-tested and there is no requirement to retire, the = system=20 has also avoided the pitfall of favouring early withdrawal = from the=20 labour market. However, since it provides everyone with a = basic=20 level of retirement income, it may discourage private = saving.=20 Indeed, for some low-income earners, their expected = replacement=20 income from NZ Superannuation would allow them to maintain = their=20 consumption patterns in retirement, without needing other = income=20 sources. The move to a partial pre-funding approach is = projected to=20 alleviate around only a third of the additional budgetary=20 requirements arising from future increases in pension = costs.

A number of adjustments could slow = down the=20 increase in superannuation spending and aid long-run fiscal=20 sustainability

Policy changes will be required to ensure fiscal = sustainability=20 over the very long run and, if taken early, small changes in = a=20 number of policy areas could be sufficient. This is = particularly=20 true for spending on health and public pensions. The fiscal = cost of=20 NZ Superannuation could be pared back over time without = compromising=20 its many positive features. One option would be to shift=20 progressively the indexation of superannuation payments to = an=20 adjustment formula that raises real benefit rates at a = slower pace=20 than real wages. However, this would result in lower = retirement=20 income for those pensioners who had not compensated for the = future=20 loss in NZ Superannuation payments by increasing their = private=20 savings. In this context, the authorities would need to = monitor the=20 situation closely and ensure that elderly poverty does not=20 re-emerge. An alternative measure would be to lift the age = of=20 pension eligibility. This change would help to reduce public = pension=20 outlays by providing benefits to a smaller share of the = elderly=20 population and would raise participation rates of older age = groups.=20 It would be appropriate to consider a mechanism that = automatically=20 adjusts pension expenditure for changes in life = expectancy.

Appropriate incentives to save are = embedded in=20 KiwiSaver

New Zealand Superannuation is only one component of a = whole set=20 of retirement income arrangements. Ensuring that individuals = face=20 reasonably strong incentives to save and to develop an = optimal asset=20 mix would improve replacement income in retirement. But only = a small=20 proportion of the working-age population is enrolled in a = formal=20 private pension scheme, with households typically = accumulating a=20 disproportionate share of their capital in the form of = housing=20 rather than financial assets. Against this background, the=20 government has introduced the KiwiSaver scheme. Starting in = July=20 2007, it creates investment-based personal retirement = accounts on a=20 defined-contribution basis, using the tax system to collect=20 contributions and pass them on to pension providers. One = noteworthy=20 feature of KiwiSaver is that, although it is voluntary, new=20 employees are automatically enrolled, with the right to opt = out=20 during their first eight weeks. Existing workers can opt in, = as can=20 the self-employed and those not currently working. The = scheme is a=20 welcome development, which should contribute to raising = private=20 savings, although the provisions relating to housing may be=20 counter-productive.

Pro-housing elements in KiwiSaver = could weaken=20 its effects on financial savings

Indeed, some of the benefits of KiwiSaver could be = undermined=20 because it explicitly allows households to use = =E2=80=9Cmortgage diversion=E2=80=9D=20 of the employee share of contributions, permits a one-time = capital=20 withdrawal and provides financial advantages for first-home = buyers.=20 These pro-housing elements may reduce the extent to which = the scheme=20 encourages a switch in the allocation of households=E2=80=99 = net wealth away=20 from housing investment. There have also been some calls for = KiwiSaver to be made compulsory. The main advantages of = compulsion=20 in the NZ context would be to effect a larger increase in = private=20 saving, force households to diversify their wealth = portfolios, and=20 help consumption smoothing for some. It could also reduce = the fiscal=20 cost of the programme and help deepen financial markets, = although a=20 significant voluntary uptake would have a similar effect on = the=20 latter. However, for low-income households, compulsion could = see=20 their consumption constrained during their working lives by = more=20 than they would have otherwise chosen so as to give them = higher=20 income in retirement. On the other hand, higher-income = households=20 are more likely to be able to rearrange their affairs to = reduce=20 their saving in other forms in order to maintain their = desired level=20 of consumption. Overall, it is premature to judge whether = KiwiSaver=20 should be converted into a compulsory scheme. That judgement = should=20 be put off until its take-up rate can be evaluated.

Competition between different types of = private=20 pensions should be fair

The advent of KiwiSaver is expected to affect other = players in=20 the pension market such as occupational or retail schemes. = To avoid=20 disadvantaging current employer-based arrangements, the = government=20 has announced that from July 2007, employer contributions to = all=20 registered superannuation plans that meet specified criteria = will be=20 tax-free up to a ceiling. This is intended to encourage = employers to=20 contribute to their employees=E2=80=99 savings for = retirement and will=20 provide incentives for people to save through this type of=20 arrangement. But it could lead to substitution effects = whereby=20 tax-advantaged occupational schemes crowd out existing = retail plans.=20 It would be advisable to maintain a level playing field = between all=20 types of pension plans by extending an equivalent tax = exemption to=20 retail schemes that have the same savings lock-in = requirements.

Public pension reserve = funds
Per=20 cent of GDP, 2005

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1. As at June 2006.
Source: OECD, Global = Pensions=20 Statistics database.

Average minimum retirement=20 benefit(1)
Per cent of average earnings

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1. Parameters are based on 2002 values but = include all=20 legislated changes even when these take effect in the=20 future.
Source: OECD (2005), Pensions at a Glance, OECD,=20 Paris.

How to obtain this=20 = publication          &n= bsp;           &nb= sp;           &nbs= p;            = ;            =             &= nbsp;           &n= bsp;  

The Policy=20 Brief (pdf format) can be downloaded. It = contains the=20 OECD assessment and recommendations but not all of the = charts=20 included on the above pages.

The complete edition of the = Economic=20 survey of New Zealand 2007 is available = from:

  • SourceOECD  for = subscribing=20 institutions and many libraries=20
  • OECD Online Bookshop  for non-subscribers
  • OLISnet, under "Publication Locator", = for=20 government officials with accounts (subscribe)
  • Accredited journalists (password=20 required)

Additional=20 = information          &n= bsp;           &nb= sp;           &nbs= p;            = ;            =             &= nbsp;           &n= bsp;           &nb= sp;  

  • Economic=20 Surveys and Country Surveillance
  • List=20 of recent New Zealand surveys
  • Timetable=20 of planned EDRC Meetings
  • OECD=20 New Zealand website
  • OECD=20 Economics Department homepage

 

For further = information=20 please contact the New Zealand Desk at the OECD = Economics=20 Department at eco.survey@oecd.org. =  The=20 OECD Secretariat's report was prepared by Deborah=20 Roseveare, Annabelle Mourougane and Shuji = Kobayakawa under=20 the supervision of Peter Jarrett.






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