Gday Bojan
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Well... we live in privatized society..
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I'd say partially privatised.
If we were truly privatised, then my taxes would be lower and i would not be "forced" to put money into govt legislated/controlled super system. The tradeoff would be no pension under any circumstances.
Currently, the govt still forces us to invest in a system that we may not want to, and has moved all the risks onto us at the same time.
Once a large pot of money is created this way, it just becomes a baitball for the predators who know the system.
Andrew