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hubby started work at his highly unionised place waaaay back in 1978! darn buggers won't allow us to roll his super out into a smsf ... and i believe he is also on a partial define benefits. but this isn't much chop as it may cease when he dies - and his genetics are not real great (my...

ah - by the time you and i need a home (hoping for at least another 40 years before then), it might be veeeeery interesting as to the quality of home and care one with money gets into versus the poor. if the government is going to massively struggle to pay basic pensions, i wouldn't want to...

we did "get" that ... which is great for you, us and anyone else with investment nouse ... the problem is that for the other 95% of the working population it isn't the gravy - it is everything and only thing they will get for their retirement.

i think what others are getting at is that if you didn't do any investing outside of your super ... like 95% of the population ... than the $35,000/yr would be it. all you get. nothing more. even assuming the average investor has paid out their mortgage (which many won't have) - even in...

because it is my money that went into it in the first place - under duress i might add - and if i don't get to spend it all i don't want it automatically going to the givernment.

another reason why super sux ... if you die, and your kids are over 18, they have to pay buckloads of tax on your super inheritance. tax free for spouses. another reason to rip it out and invest privately ... hope no major changes in the next 4 years.

we have the same problem - but not government, rather big mining. fortunately only 4 years until hubby turns 55 and we "may" be able to get our hands on some of it. the annoying thing is that if he stays, it looks like he can't even do the part pension at 55. that's where you put $X in at...

tried to but hubby's is in a strong unionised company super fund (where he has worked for 30+) years ... not allowed to roll it over until he is over 55 - and that may change between now and then. The day he turns 55 we will rip out every cent possible. I wouldn't mind so much but the...