Not-for-profits are purpose-built to elevate and deliver on the hopes and aspirations of even those who cannot afford to pay for it. They will always own purpose.

Sovereignty is now linked to manufacturing. This makes the Abbott government’s decision to euthanase the Australian auto industry look pretty naive.

Diversity of membership for merging super funds must focus not only on the ‘acquisition’ of new members so they’re ‘stapled’, but also having a large base of older and wealthier members for when the staples fall out.

Disruption to the economy and personal finances wrought by the COVID-19 pandemic through 2020 is but one of the transformational changes that will shape Australia’s superannuation industry in the years ahead.