Are you for real Kevin? Do you work for a Super Fund? If not you are niave. Compulsory Superannuation is the biggest rort on all working Australians. If u don't understand the tax breaks to the highest income earners you should learn about that. Try understanding that although you have the impression it is your money you don't get to decide where it goes when you die, you can't get hold of it when you are ill and about to have your home repossessed and you wouldn't have got this access to it if Labor was in government. What a load of crock that those accessing now will be $xx worse off in retirement. Does Bernie Dean or Greg Combet know we won't have another pandemic or a world war? It shouldn't be called a retirement fund when those about to retire in a couple of years are now going to get negative returns and yet still forced to donate during the negative returns. Superannuation should be voluntary, and no tax breaks. I was told today I now owe the tax dept about $45k because I was paid half of my deceased sons super and death benefit. The other half went to girl who lived in his house for about less than 2 yrs. No children bio or step, no shared bills, no shared bank accounts, not on mortgage, not claimed on tax yet Trustee of REST says she was de facto/financial dep and so pays no tax. By the Trustee taking 12 months to come to decision I paid $109k on his estate and funeral. So this girl got $210k and I got $56k. Yep, really good deal this Superannuation !! Make it voluntary, and give everyone back "their" money. 27 Industry funds, 27 CEO's, 27 boards, the workers are the biggest employers in this country. 55,000 people work in this industry and we pay their wages from our contributions, plus donate to unions. What a rort!