Allowing those in need - especially younger members most heavily impacted by the economic effects of Covid-19 - to access up to $20k tax free of their super savings is fantastic. But as we know this will have a detrimental impact to their retirement outcomes due to reducing savings and compounding growth, and is merely kicking the can down the road. I’d love to see a conversation about enabling those withdrawals to be reinvested back into super tax free as well to help protect these vulnerable members retirement outcomes. Super is a tax incentivised savings scheme, and those earning the most are already able to benefit the most. Let’s make sure that the incentives are there for the lower income earners and financially vulnerable, as arguably they need super the most.