Anyone who has actually paid the BIG bucks in tax couldn't(well I guess it's possible to blow several million quickly but who would when the end result see's you living on $600 a fortnight or whatever it is?) just reduce their savings over 4 years to what is allowed to receive the pension or part there of. So either you're really talking about asset shifting(it's immoral but legally possible to do) or you never really paid the BIG bucks in tax.
