"For, to date, RAD flows have all been in the one direction. But...

"For, to date, RAD flows have all been in the one direction. But what happens when the flow reverses? (I hate to mention it, but that exact same question is very relevant to Ponzi structures.) "

One thing that may have been overlooked is the advantage in paying RADs which include the fact the

deposit is not deemed an asset for the purposes of asset tests related to aged pension.

On Jan 17 new rules come into play which will adjust the limits.