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( (financial literacy) ),, ,, .

1.Pensions Outlook OECD .

2.EU (2015) GDP 2040 ,2060 2013 .

3.10% , ,, . ( ) 12.4%.

4.20 .

5. 있다(Boeri , 2016). (Bertoni Brunello, 2017).

6.NDC , .

7.2014~2016 ,-1% .

8.49 30,000 (AUD), 49 35,000 (AUD)25,000 (AUD) .500,000 (AUD) 5 .180,000 (AUD) 100,000 (AUD) ,

1,600,000 (AUD) .

9.(state subsidised pensions)(Riester-rente) 154 165.

10..

11.15 ( 56 65 ). 15 .

Bertoni, M. and G. Brunello (2017), “Does Delayed Retirement Affect Youth Employment? Evidence from Italian Local Labour Markets”, IZA Discussion Paper No. 10733.

Boeri, T., P. Garibaldi and E.R. Moen (2016), “A Clash of Generations? Increase in Retirement Age and Labor Demand for Youth”, CEPR Discussion Papers No. 11422.

European Commission (2015), Pension Adequacy Report, Current and Future Income Adequacy in Old Age in the EU, Vol. I, Publication Office of the European Union, Luxembourg.

Fall, F. and D. Bloch (2014), “Overcoming Vulnerabilities of Pension Systems”, OECD Economics Department Working Papers, No. 1133, OECD Publishing, Paris, http://dx.doi.org/10.1787/5jz1591prxth-en.

OECD (2017), Preventing Ageing Unequally, OECD Publishing, Paris, http://dx.doi.org/10.1787/9789264279087-en.

OECD (2015), Pensions at a Glance 2015: OECD and G20 Indicators, OECD Publishing, Paris, http://dx.doi.org/ 10.1787/pension_glance-2015-en.

2017 : OECD G20

OECD Income Distribution Database, http://stats.oecd.org/Index.aspx?DataSetCode=IDD. OECD Employment Database, http://stats.oecd.org/Index.aspx?QueryId=64196.

30	2017 : OECD G20

1.A1

2015 9 2017 9

2017 : OECD G20

1.
			,


		2017 7 ( )	2017 1 .				2017 7 .	2017 6 . 2017 1
		49
		30,000 (AUD), 49					160
		35,000 (AUD)	.				(AUD) .	(PCC)
		25,000 (AUD)						. PCC
		. (
		) 180,000	.				.	.
		(AUD) 100,000 (AUD)						PCC
		. 2018 7	.				( :	.
		500,000 (AUD)						PCC
			1,000 (AUD)				).	2017 1 1
		5	(taper rate,
		.			)	1.50
			(AUD)		3.00 (ADU)		. 37,000		,
							(AUD)	PCC
			.					.
							(Low Income Superannuation
							Tax Offset) .
							15%

							300,000 250,000
							.
2016 1 . 62		2017 1 .						2017 1 .
		,						7
(Teilpension) .		3						50%
25 780		50% (						.
62		68 , 63 ).						4
		(Pension Insurance						.
40~60%		Institution)
.		.

		.

	2016 1 .


	.
	10 “
	” 24
	.
	1.75% .
2016 6 . (Old Age	2016 10 . 2019~2025	2016 10 . 2019 2023	2016 7 . 2016 10 . 2019~2025					2016 11 .
Security)	. (CPP)	(Guaranteed .						(PRPP)
(Guaranteed Income Supplement)		4.95% 5.95% Income		Supplement) CPP				,
65 .	1/4 1/3	.	947	. .

					1.
					,


	2023 2029		. 2024		CPP
	65~67		2025	14% 10%
	.		.	.		.
				4% ,		CPP	. 2012
				2024			PRPP
				107%, 2025 114%		( W o r k i n g	. 2016 12 .
				.		Income Tax Benefit)
						.	20
							2016 12 31
								(
							PRPP )
							. 519
							2017
							12 31 .

							2017 11 .
							(AFP) “ ”

							. AFP


							.
							3%
							5%
								15%
							.
	2017 6 .
	65 . 2

	.

	2016 1 .

	.
	2015 11 . 2022~
	2030 68
	.


	2017 1 . 1954	2017 1 .	2017 1 . 2017 1 . 2020 2016 1 .				2017 6 .
		18	2026 20 .
	63 65 17 .		1.5% .				.
	( 3 ).		2017 2025	.
	( 2 )		53				60 2016
			1.5%, 53-62 1.7%, 63 ( 75%) .				9 1
33	.		1.5% .				.
33

	1.
						,


1958~1961			(					2010 9 1 2016
	68 69		). 70% .					8 31 1,251
, 1961
70 .			2017					.
2017 2 . 61			. 24.4%
(2025	62 ,		.					. ,
	)		( 53~62					,
25% 50%			2025					65 .
.			).		1.5% .			2017 1 . 4

								(JuEL) .
0.4%								2016 1 .
.								,
2018 2 .
								(TyEL)
. 38								.




63 .
			2016 1 .			2016 1 .	2016 1 . DC	2019 1 .
			.				(PERCO)
							(2012
						.	20%)	3
			(2016				. 50	67
				2018 ) 2%			6	(10%)
			. 2016				8% .	. 1
			(ARRCO			.	7%
			AGIRC				,	.
			)
			4			.
			11
			(1%p				16% .
			) 2
			(
			).

		2017 1 .			2017 7 .	2017 7 .	2018 1 . ( 2,000
					( )	63~67	)
					) 55 50		( :		Riesterrente)
		.			.		( 240~480 ) .
						. 6,300	.
						(USD 6,945.75)	30%
		.					. 2018 1 . 202

					1.
					,


				.		6,300 (Riesterrente)			.
				(
	.			40% (Riesterrente)				154
				0.3% ).	.		165 .
		2016 5 /6 . 1,300		2016 5 /6 .	2016	5 /6 . 20
						67
		200,000		( 384
		40% . 20%)
				.		2020
				( 5 ).
					(EKAS)
					.
					. EKAS

					) ) 664
					EKAS
					.

				2017 1 .
				27% 22%
				.
		2016 12 .
		(Adivision)


		.

			.
		1997
		Bdivision
		.

							2015 10 .


							2015
							.


							.
				2016 .			2016 . 2016 .
							.
				(6.0%→6.5%)					.
				(5.5%→6.0%)
35				.
35

1.
								,



						.

			2017 1 . 14
			750
				,

			(~1,000 )		2
			.
			750
			15 437
			15~25
			546 , 25
			655
			. 750
			1,000 14
			336
			504
			( ).
	2017 1 .		2018 4			2018 1 .				2017 1 . 500,000
										(821.35 )
	,		. ,			,
	,
			.

	.									. 2019 4
	2017 4 .		. 2021 4							4
	(EPI )		/ .
	500									.
	. .

		20
		88,000 (752 )
	.



	2018
									2017 235 2020
									300
						. 2018			.
	.					(20%) ,

						5%,
						5%
						.	2018

				1.
				,


			.


		6%, 4%
		.



					60

					(SB0).

					5
					(SB4:	36 , SB3:
					37~45 ,	SB2: 46~59 ,
					SB1: 60 , SB0:
					60 ). SB0

						2015
					. 2017


					,

					.

2016 1 .	2016 9 . (DC)
2021 67 .
	. DC
5 .
2022 67 3	. 1)
.
	, 2)



	, 3)
	.
		2015 5 . KiwiSaver
		.

					2017 11 .
					.

40,000NOK .

1.
					,


						.

						.
2017 10 .
60 , 65
.

2017 10 .		2017 .				2017 3 .
		1.5 10				.
48		.				IAS (
( 14						) 1.5
46 )						.
60		.				IAS 2 .
.
			2017 1 . 2015 7 1

				5 7
			.		.
					: 30
					,

					.
					.



		2016 1 . “
		(maternity complement)”
		.

		.




		2015
		1.75% 2016 1.25%, 2017
		1% .
	2017 1 . 45
	2017 1 . 45

( ). 3% .( 2 ).25%

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