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Super Too Early

One of the more interesting side effects of COVID-19 has been the Government’s decision to allow early access to superannuation.The biggest kicker in this process has been the “no questions asked”” aspect of the process: "It's mine, I want it” is apparently all that was required.

At the very least one might have expected some limit placed on what percentage of super could be withdrawn, and maybe a sensible answer to the question “What are you going to do with it?”

That’s not a question that’s asked of old blokes like me – at my age it is indeed my money and I can decide what to do with it (except leave it there for my kids to spend!)

I have never deviated from the view that a retirement account inside a superannuation fund is the best place to invest for your retirement for two reasons. Firstly, you can’t access it at a whim as it’s “forced saving” and secondly, and more importantly, the tax benefit argument is overwhelming.

Equally overwhelming for many people is the widely held view that the government has no right to tell you what you can do with your own money.