澳大利亚人退休时平均超额余额较高,但大多数没有达到退休目标,特别是妇女。 Australians retire with high average super balances, but most fall short of retirement goals, especially women.

澳大利亚人退休时的退休金余额创纪录,平均为172 384美元,由12%的雇主缴款率和强劲的投资收益驱动。 Australians are retiring with record superannuation balances, averaging $172,384, driven by a 12% employer contribution rate and strong investment returns. 然而,中位数的余额要低得多,为60 037美元,不到30%达到ASFA的高退休基准,即夫妇690 000美元,单身者595 000美元。 However, the median balance is much lower at $60,037, and fewer than 30% meet ASFA’s high retirement benchmarks of $690,000 for couples and $595,000 for singles. 批评者认为,这些目标不现实,建议在实际支出的基础上实现更多可实现的目标。 Critics argue these targets are unrealistic, suggesting more attainable goals based on actual spending. 在储蓄方面,妇女仍然落后于男子,平均余额为54 349美元,而男子为68 568美元,尽管她们在超级资产总额中所占的份额已上升到43.6%。 Women still lag behind men in savings, with median balances of $54,349 versus $68,568, though their share of total super assets has risen to 43.6%. 诸如超额休带薪育儿假等改革旨在缩小性别差距,但进展仍然缓慢。 Reforms like super on paid parental leave aim to close the gender gap, but progress remains slow.