This paper quantifies the factors contributing to Australia’s gender gap in superannuation balances. Around 60 per cent of the gap can be attributed to the prior stock of superannuation, for respondents who had superannuation balances in both 2014 and 2018 in the Household Income and Labour Dynamics in Australia Survey. This is partly due to the accumulation of the prior gap with investment returns. Financial literacy and risk aversion explain around 7 per cent of the gap in total, such as through impacts on subsequent investment returns. Work patterns and wage rates affect contributions and explain approximately 30 per cent of the superannuation gap in total.

中文翻译：

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量化澳大利亚的性别养老金差距

本文量化了导致澳大利亚养老金余额性别差距的因素。对于在澳大利亚家庭收入和劳动力动态调查中在 2014 年和 2018 年都有养老金余额的受访者来说，大约 60% 的差距可归因于之前的养老金存量。这部分是由于先前与投资回报的差距的积累。金融知识和风险规避总共解释了大约 7% 的差距，例如通过对后续投资回报的影响。工作模式和工资率会影响缴费，并解释了总共约 30% 的养老金缺口。