-Age pension ()

Superannuation()

Age pension10569.80951.80Superannuation1.(Superannuation)2.3.Superannuation18501890190019852005

Australian Taxation Office Australian Securities Investment Commission Australian Prudential Regulation Authority

8 3%2002-039%1997-981%1998-992%1999-20003%

19932002Superannuation1993-945--51994-955--51995-966--61996-976--61997-9861-71998-99721101999-00732122000-01833142001-02833142002-0393315(:%)10

11.5 1500 800 9%15%55 60

(60)30%15%1994 418,000836,000 (industry fund)(retail fund)(self-managed superannuation fund)(small APRA fund)(corporate fund)(retirement saving account)

()()()

15

16(Nation Basic Pension)2060 ()

15

2

17

(Employees Pension Insurance)570 ( )19

http://www.gpif.go.jp20

1966 ( ) 1962 2011

DBDC 1. 1980 1990 1994 2. 200110 20024401(k)401(k)

241.2.DC 1.2. (1) (2) (3) (4) (5)59.3%() (1) (2) (3) (4)1.DCDB

2.20072009

27 (1) (2) (3) (4) (5) (1) (2) 1.1985NTT

2.20074

3.2004

4.

28

:

/

:() ()

:-(DB): 6.5%-12%(40-100%):: 65: 17280 A=0.65%+3,000B=1.3% (27B)

-DB 5.5%(60-80%155525: 1151645

-20101110.775 + 3,00021.557.5%0.5%13%

--(DB)

-(DC) - - -

- -15552560

1521573810.5357381145

-()6%6%()-()60( DB >DC )1990

2000

U.S1978Chile1981Australia1992Argentina1994Brazil1997Mexico1997Hong Kong2000Japan2002

2005

Korea2003Thank you for your listening!!