if you don't like your funds performance, change to another one... the option is open to you.
if you want to change your investment mix, you can do so, the option is there..
superannuation is the best hope for the average person to have some security in retirement and ranks with owning a home in the must haves for anyone with any sense and an increase in contributions to 15% is long overdue...
keating is 100% right about this and he was spot on in his amusing comments about the nit-wit costello as well..