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This submission reiterates AIST’s strong support for the legislated but not yet implemented system for selecting default superannuation funds. Even without the enhanced quality filter arising from the legislated system, the existing model has delivered out-performance for default members and provided many benefits to the greater economy. The review process has failed to deliver any hard evidence that any of the proposed alternate models will deliver superior retirement outcomes for members. Without such evidence – and noting the risk and costs that would result from dismantling the current system – the Commission should be reluctant to recommend to the Government any changes that cannot be proven to lead to better retirement outcomes for members.