[HDBaseT]

You shouldn't have to rely on shares investments to make a living or retire though.

Just because someone doesn't invest in shares, doesn't mean they are a bogan. I'm sick of this term being thrown around at people you look down upon...

[stubish]

Yeah, everyone is forced to accept their own individual risk in their super and other investments (as usual, favoring the wealthy with enough spare money, time and contacts to get proper financial advice). Better if that risk was born collectively. But government funded pensions are communist or something. At least most of the super funds I see are non-profits.