Super reform tinkers around the edges, while ignoring the fundamental flaw

superannuation system, super reform, The ConversationRecent proposed changes to Australia’s superannuation regime – from freedom of choice for default funds, to lifting the contributions rate from 9% to 12%, to reforming who pays how much tax, all make a great deal of sense. But they also fail to address a more fundamental problem which is the moral hazard implicit within the existing superannuation investment model.