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I agree with Paul Jackson anf Steve. Superannuation should be voluntary. It is NOT your money contrary to advertising by Australian Super. If it was it would be included in your Estate and you could leave it to whoever you want i your Will. Instead a Trustee can distribute it to the ideology of the Fund to somone you have known a short time and deem that person was your financial dependent. It is the biggest rort on every worker. My son's Super was with REST and a 21 y.o. girl got $200,000 plus after 2 yrs as a financial dependent when he had Muscular Dystrophy and she was on Centrelink. It has destroyed our family. I hate REST and the concept of Superannuation. They don't advertise this when you join andctell you to get a binding nomination but if your nominated beneficiary is not dependent the Trustee decides