It’s already an issue - a lot of people hit their super, then lump sum cahout. Go on a trip, buy a house, go on a general splurge and blow the lot…then turn around and go “pension now please!”

I can’t really fault some people, it’s the one time in their life they have enough money to live a dream, but it really is taking the mickey.

So a good thing would be to cap the lump sum, or even better tax the living shit out of it. You keep a break on the regular payouts, but a lump sum gets carved up.