Self funded retirees dont draw down a pension. The only difference between them and some one that is on a pension is what they have done with their money over their working life. In the end its not how much you have earned over your working life but how you saved and where you invested it along the way. Don't think franking credits absolve shareholders of paying any tax. The tax is paid by the companies before the dividend hits your account and you only pay the tax difference between the 30% and what you are liable for. Its there so the governments doesn't not get to double dip twice on company earnings and then again once it hits your account.
Plenty of self funded retirees here that are funding plenty of pensions thru company tax and their own tax obligations. Some of us also are grateful of the position we are in and donate generously to charities and causes we believe in but dont want to make a big song and dance about it.
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