Hi bacci, If all those who are in it now can stay with the present system, with no tinkering, then potentially you are allowing that system to continue for a very long time. A present 20 year old, living another 65 years? Even someone as long in the tooth as me has another likely 20 years Great for me, just not fiscally sustainable. Only one tinker needed, and it will happen IMO, reversal of the tax free status of over 60's changes. Back to the previous system of marginal rate for withdrawals, with a rebate to reflect tax paid. cheers
