If you take out the govt subsidy, then you are just left with a copayment between an employer and employee to a quarantined account to be accessed upon turning 65
You may as well just negotiate with your employer when joining the “co-pay” into a managed investment fund, as there really is no upside for you personally to have the govt lock up your access to these funds
However, I look at it from the lens of - if it wasn’t there, I wouldn’t be saving for my retirement
You may as well just negotiate with your employer when joining the “co-pay” into a managed investment fund, as there really is no upside for you personally to have the govt lock up your access to these funds
However, I look at it from the lens of - if it wasn’t there, I wouldn’t be saving for my retirement