So does this mean finally, that “holistic financial planning” is a nonstarter with respect to just “Superannuation”, the second biggest investment of an individual after the family home?

Or are we turning the clock back to trends that existed three decades ago - to treat all investments as separate single “financial products” and not as part of a holistic financial plan.

A Royal Commission is needed into the overall operation of Superannuation, the mandated industrial awards, transparency in accounting and the valuation of illiquid investment assets, and finally who actually benefits from the overall fees and charges, shareholders, industry unions or provide funding to facilitate political standpoint advertising?