I was on the panel of the Retirement Income Review. These are our findings Dr Deborah Ralston explains how the panel has established a valuable fact base on the retirement system. Deborah Ralston Department of Banking and Finance Retirement Income Review: Is the Superannuation Guarantee worth the cost? Australian households have reduced their voluntary savings, partially offsetting the effects of compulsory superannuation. Ummul Ruthbah Nga Pham Monash Centre for Financial Studies