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Very true Mike. Self employed is a hard slog. I can personally attest to the rewards and the massive risks involved. Most people are definitely not cut out for it. This is also why we need super. Most people definitely not cut out to prepare over 40 years for their own retirement so the...

That would be consistant with the principal of risk vs. reward. Had you put your super into a defensive fund that is predominatly cash based, you would have had positive returns outperforming most other funds over the past 5 years, but the most other funds will outperform a defensive fund...

People hear don't like super because they have a perception that it's taking away money from them that they could otherwise invest in other things. This may or may not be true. What is true, is that many Australians never really invest anything towards their retirement. 9% super is the only...

As people's life expectancy increases, so should their working lifetime. IMO the age at which people become eligible to receive the old age pension should be about 70. Retire sooner than that if you want, but you'll have to fund it yourself.