Yes agree with access to kiwisaver at age 60, raising super age to 67 or 68, and if we going to down the Australian path, asset test the pension also

@JP Well a lot complained about doing a basic Level 5 paper. Then, you confirm my statement when you explain about educating the public. I guess in short, if you want cut through, we need to use less than 6, six letter words, sad but true. This would likely require a thematic.

I sincerely hope the adviser community can handle more than six six-letter words in a sentence. If you can’t, please hand in your license. The average policy wording is way harder than that! Passively-Aggressive, well said. When you only have a hammer, everything is a nail… scope creep with adviser expectations is a core part of the issue. The recent messaging from the regulator seems to be being translated to: advisers have to provide the public education for the decisions that clients make in the future without a financial adviser because that’s where the actual harm is. Completely ignoring that at least 40% of the population is not engaged with the advice community. More if you exclude VIO’s as educators because they don’t. It’s almost a case of needing financial literacy to be taught within the schooling system? Interesting concept! It’s been said elsewhere that basic skills to “adult” are needed from schooling, because relying on it from parents that are financially (and other skills) illiterate isn’t working… But we couldn’t possibly do that, it would make the system exploiting the masses much harder…