RDP 2007-08: The Effect of the Australian Superannuation Guarantee on Household Saving Behaviour Appendix A: Tables of Results
| Coefficient |
Standard error | Coefficient |
Standard error | ||
|---|---|---|---|---|---|
| Compulsory super contributions | 0.91*** | 0.15 | Retail trade | 58.49 | 4,893.76 |
| Compulsory super contributions & self-employed | −0.38 | 0.65 | Hospitality | 3,957.06 | 5,269.38 |
| Self-employed | 38,239.85** | 15,457.97 | Transport & storage | 3,283.80 | 10,532.51 |
| Age | −3,448.46*** | 1,310.07 | Communication | 28,862.37* | 17,419.80 |
| Age2 | 59.92*** | 17.54 | Finance & insurance | 9,327.89 | 10,377.75 |
| Gender | −603.35 | 3,359.91 | Property & business services | 3,940.05 | 7,352.46 |
| Persons in household | 1,511.99 | 4,930.28 | Government & defence | 29,715.37** | 12,433.54 |
| Persons in household2 | −75.08 | 675.75 | Education | 15,763.10* | 9,275.01 |
| Household disposable income | 0.10 | 0.25 | Health care & community services | −5,752.06 | 6,583.16 |
| Household disposable income2 | 7.73×10–6*** | 2.52×10 6 | Cultural & recreational services | −1,435.59 | 8,763.11 |
| Years employed | 179.10 | 973.62 | Personal & other services | 7,084.61 | 7,564.81 |
| Years employed2 | 59.24** | 24.95 | Regional | 6,387.86 | 4,635.50 |
| Health condition | 5,611.67 | 6,239.80 | Outer regional | 8,893.68 | 9,302.66 |
| Health condition affecting work | −8,289.60 | 7,930.21 | Remote | 12,454.03 | 12,433.45 |
| Job security | −36.47 | 153.14 | Very remote | 21,716.26 | 21,521.39 |
| Job security2 | −1.19 | 2.24 | NSW other than Sydney | 1,185.60 | 5,766.65 |
| Finished high school only | 16,259.02*** | 4,145.47 | Melbourne | 3,401.67 | 3,783.38 |
| Finished degree | 15,610.21*** | 5,182.85 | Rest of Vic | 6,269.09 | 6,716.18 |
| Finished diploma only | 13,866.49*** | 3,501.26 | Brisbane | 1,456.78 | 4,283.72 |
| Married | −1,183.68 | 4,190.40 | Rest of Qld | −3,308.02 | 4,934.84 |
| Divorced | –25,599.47*** | 4,987.74 | Adelaide | −3,091.47 | 5,788.47 |
| Widowed | −28,751.74* | 15,046.15 | Rest of SA | −7,027.52 | 8,833.35 |
| De facto | −13,407.14*** | 4,564.14 | Perth | −786.37 | 5,492.58 |
| Agriculture, forestry & fishing | 3,062.69 | 9,660.75 | Rest of WA | −14,512.94 | 10,906.46 |
| Mining | 29,010.77 | 18,539.55 | Tas | −964.81 | 7,606.57 |
| Utilities | 87,567.48** | 39,030.13 | NT | 9,875.42 | 35,617.71 |
| Construction | −5,728.81 | 6,209.44 | Canberra | 14,460.36 | 17,069.42 |
| Wholesale trade | −239.85*** | 6,173.07 | Constant | 22,435.35 | 20,228.94 |
| Notes: The Pseudo R2 is 0.18. ***, ** and * represent significance at the 1, 5 and 10 per cent levels, respectively. | |||||