We have been down this path before Dave it is unfair that why if you some of your pension ripped off you you would rightly complain Shorten is going down this path because he thinks he can win it on rich V poor ,many small SMSF are very small and have been set up by people who are now retired and who paid very little time to build a big super so they put their assets into their funds and for most about all they have achieved is to do them selves out of a pension I know this because this was the case of a family friend ,she lost all her part pension when Turnbull changed the assets test and will loose another $5000 in franking credits,so her pension went from $33000 with a part pension down to $28000 and if these changes come in as proposed she will eat away at her fund to live,this is common and these are not rich people.