Given a couple loses most of their Aged Pension after $500,000 in super (up to $844,000), due to Australia's bizarre asset & income test rules, why would they make more voluntary contributions? The only way to fix this is to move to the NZ system, where there is a universal age pension (paid say from age 70), with no asset or income text. You would pay some tax on earnings or on direct income, but at a far lower rate than say under age 65. All this article proves is that the Australian system revolves around envy, and has been badly designed.