For the third year, this forum will bring together policymakers and thought-leaders, academics and industry leaders across each of the three pillars of retirement funding.

The three pillars – superannuation, Age Pension and voluntary savings, including home equity – underpin Australia’s retirement funding system. The forum will explore the major opportunities to meet the needs of Australia’s ageing population.


In its third year, Household Capital’s Three Pillars Forum has become a thought leader event, driving discussion and innovation in the retirement community sector.

The half-day event will consist of a plenary speech by the Hon Anne Ruston, Minister for Families and Social Services, followed by three specialist panels, covering consumers, economy and the retirement industry. To be facilitated by experienced presenter and broadcaster Ali Moore, the event includes a broad cross section of industry leaders committed to sharing the latest information, a forum in which views and experiences will be shared.

Panel one

Australian retirees are the wealthiest in the world; but are they loving life?

This panel will explore whether Australian retirees experience confidence and lifestyles that match being the wealthiest in the world. Topics covered included the challenges of delivering coherent financial advice and access to all three pillars of retirement funding, how to provide retirees confidence in their own wealth and lifestyles.

Panel two

Housing and funding retirement; the economic boost of a trillion dollars of Australian retiree property 

This session will explore the potential economic boost from releasing the $1 trillion dollar Australian retiree property portfolio. The expert panel will look at the immediate benefits of releasing the funds into the market, economic multiplier effects of equity release and economic stimulus from both additional funding and consumer confidence.

Panel three

Longevity, blessing or curse? Uniting the industry to deliver three pillars to fund an ageing population.

The final panel unites experts from every element of aged care funding including superannuation, the aged pension, home equity including the Pension Loan Scheme, and the latest in technology delivery. The panel will consider the challenges facing an ageing population and how the industry can unite to provide customer first solutions that give our retirees the very best outcomes, and will discuss key elements from the Retirement Income Covenant Outlook. 



With thanks to the individuals and organisations participating in the 2021 Three Pillar Forum.