Gday Marty
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I think the accusation that government will just take your super at some point is utterly ridiculous.
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I made a comment along those lines earlier in the thread, and it wasnt an accusation, just me trying to remember one of the "thought bubbles" i had heard being discussed on ( IIRC ) ABC morning radio.
The premise was that rather than bring in full death duties ( ie political suicide ), that only any residual super would forfeit to the crown, as it was only meant to be for "your personal" use in retirement, not a wealth creation model to pass to yr kids. That would then allow people ( esp in the upper income brackets ) to only put away what they really thought they needed.
Brings it closer to an "insurance policy" framework model ie if you never need it, you effectively lose the payments to date..
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It would make no economic sense for them to do so.
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When does a govt ever do anything that makes economic sense????
Andrew