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analysis Asian born assets Australian born behaviour of immigrants birth and period birth groups budgetary impact cent higher Chapter convergence takes place country of birth differences between migrants differences were observed distribution of incomes earlier immigrants economic behaviour economic impact effects on incomes European born expenditure of immigrants expenditure patterns government cash benefits higher share home-ownership household type immigrant intake immigration policy impact of country impact of immigration income and expenditure income from business Income patterns income shares income tax increasing period individual level Italian born large differences level of immigration marital status migrant groups migrant intake Migrant savings national economy number observed pattern Oceania born pattern of migrant period of residence personal investment persons and households real disposable income recent arrivals saving ratios share of Australian share of income share of social significant simulated social benefits socioeconomic characteristics socioeconomic variable structure superannuation tax-transfer wage share wages and salaries