An annual survey has shown more people are heading into retirement without sufficient assets to be self-funded and will be forced to rely on government benefits.

Ongoing super contributions are the better way to close the super gender gap than increased savings later in life, according to new research.

ASFA has called for the SG rate to begin moving to 12 per cent after this year’s budget if there are indications of a future surplus.

The SMSF sector will retain a steady share of the superannuation market, but further growth will be hampered by government and demographic changes.