People will do what suits them best within the law as changes are made by governments,changes must happen to reflect the changing demographics and changes in other taxes.
When Howard was in changes were made because most baby boomers only had only a small super balance and that's why generous incentives were introduced.I was in that boat and started a SMSF to meet my retirement goals and now I don't draw any pension so I am saving governments paying me a pension but we do get back around $20,000 in franking credits, most people who started work since compulsory super was introduced should be much more able to fully finance or partly finance their retirement.
