This represents The Conexus Institute’s submission to the Retirement Income Review.

The Conexus Institute is a not-for-profit entity which strives to improve the retirement outcomes of Australians through a focus on impactful research.

This submission was prepared by David Bell, Executive Director of The Conexus Institute. We note with appreciation the voluntary contributions made to this submission by Luke Zhou and Annabelle Tian, who are both tutored retirement system courses taught at UNSW.

READ: Retirement income review submission