Hi freewill This is the bit that worries me.They don't like the idea that you can spend your money how you like -when you like, and then call on the government to top up with a pension.I'm looking at cashing in some big capital gains I have in super,cashing it out,and then buying them back outside.Both retired so we can earn nearly $40,000 outside of super tax free. If they force me to take an Annuity with whats left,I'm OK with that.Best of both worlds. Any thoughts about negatives of this idea. Cheers PB
