Understanding Retirement Income in New Zealand: insights from microdata and modelling

Authors

DOI:

https://doi.org/10.26686/pq.v21i3.9932

Keywords:

retirement income, New Zealand Superannuation, microdata, microsimulation modelling, intergenerational dynamics, income diversity, retirement transitions, work incentives, demographic change, labour force participation

Abstract

This article brings together recent work from the New Zealand Treasury using microdata and microsimulation modelling to examine retirement incomes through four key lenses: intergenerational dynamics, income diversity, retirement transitions and work incentives. It highlights how demographic, behavioural and economic changes are reshaping retirement realities in New Zealand, and explores how policy design interacts with people’s lived experiences as they age.

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Author Biographies

Meghan Stephens, Treasury

Meghan Stephens is the manager, analytics and insights at the Treasury.

Michael Eglinton, Treasury

Michael Eglinton is a senior analyst, analytics and insights at the Treasury.

Fergus Cleveland, Treasury

Fergus Cleveland is an analyst, analytics and insights at the Treasury.

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Published

2025-08-26

Issue

Vol. 21 No. 3 (2025): Special Issue: Retirement Income Policy

Section

Articles

License

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