Superannuation WORKSHEET 5

Superannuation Worksheet 5: Critical thinking about retirement, fairness, and the Super system

Challenge students to think deeply about retirement, fairness, and Australia’s superannuation system with this critical thinking worksheet from the Superannuation book in the Marshmallow Money series.

This fifth worksheet encourages learners to explore the economic, social, and ethical dimensions of superannuation. Through real-world scenarios, policy questions, and future-focused discussion, students develop a deeper understanding of how super shapes both individual lives and the broader economy.

Students will explore:

• Why superannuation is both a personal and national system
• How income, work patterns, and life circumstances can affect retirement outcomes
• Longevity risk and why retirement planning is uncertain
• Insurance inside super—benefits, risks, and limitations
• Trade-offs between spending now, saving, and contributing extra to super
• Why superannuation can influence the economy through investment
• Fairness, access, system reform, and future policy challenges

Includes:

• Student critical thinking and policy discussion activities
• Teacher solutions and assessment guidance
• Ideal for classroom discussion, economics, business, financial literacy, civics, or homeschool use

Designed to be used alongside Superannuation from the Marshmallow Money book series.

Format: Digital PDF download