Large superannuation funds have long relied on professional fund managers to oversee their portfolios.
With interest rates at record lows, households are taking the chance to get ahead on their mortgages.
Instead of cutting their monthly mortgage payments in line with interest rates, a large number of borrowers are paying the same amount, and paying off the loan more quickly.
Its is pretty startling to find that some employers are cheating their workers out of compulsory superannuation contributions when the employees make extra concessionary contributions, but its happening.