This document serves as a submission to the Department of the Treasury (“The Treasury”) Retirement Income Review (RIR) (deadline date of 3 February 2020) from the Griffith Centre for Personal Finance and Superannuation, Griffith University, Queensland. The Centre is a source of expertise and excellence in four distinct streams: Personal finance and superannuation; Investment; Professionalisation of financial services; and, Financial education. This submission was co-authored by the following researchers: • Professor Robert Bianchi • Professor Michael Drew • Dr Kirsten MacDonald • Dr Tracey West • Dr Osei Wiafe This document summarises our research findings which are related to the issues raised in the RIR Consultation Paper released in November 2019. The submission brings together our key findings co-authored by the contributors. Please note the research we cite from Griffith researchers in this document has been published in independent, peer reviewed research journals. The structure of this document is based on the broad issues outlined in the RIR consultation paper, namely: Adequacy, Equity, Sustainability and Cohesion of Australia’s Retirement System. The evidence is summarised in the document along with the related citation(s) and the full details of the journal publications reported at the end of this document. We also provide a short biography of the contributors. To visit the Centre website (which contains the complete list of independent, peer reviewed journal articles published by all Centre members), go to: https://www.griffith.edu.au/griffith-business-school/centre-personal-finance-superannuation