You conveniently leave out the fact that in Australia we re taxed on super at all three phases . Contribution tax up front. Tax on earnings while in accumulation phase, and capped balance in pension phase above which is transferred back into an accumulation account and taxed on earnings. The contribution tax alone is heavily relied on by Govts and is a tax we pay up to forty or more years before we get to collect our pension. Super should only be taxed once and that would be upon retirement when the income stream begins . It should then be taxed at normal rates. Smart countries do this, but our system has been messed about by politicians for so long nobody is sure what new rules will come next. We are the only country that changes the rules every election cycle.
