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that is a mature attitude 


 we seem to have a shrinking/aging population ( even with  controlled immigration )


 the likelihood some jobs will disappear ( due to automation/AI ) and others will no longer be 'full-time ' and then you have political pressure on how formal Super funds invest the client's capital


... and i forgot ... the tendency for governments/regulators to change/meddle  with the Super funds activities ( say at what age  you can draw-down on your contributions )


 nice to see SOME of the population still has some math. skills


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