Stage 3: Assessing efficiency and competitiveness

Submissions

Submissions received for Superannuation Assessing Competitiveness and Efficiency public inquiry.

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* Submissions marked with an asterisk have omitted 'In confidence' content - part or all of the submission is not online.

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Submissions received before the release of the draft report are listed here.
No.	Name	Pages	Received
1	Paul Hudson and Associates Super Fund (PDF - 73.0 KB)	1	18/07/2017
	Paul Hudson and Associates Super Fund (Word - 17.1 KB)
2	Rod Rogers (PDF - 148.4 KB)	2	31/07/2017
	Rod Rogers (Word - 14.1 KB)
3	Daniel Twentyman (PDF - 41.5 KB)	1	02/08/2017
	Daniel Twentyman (Word - 12.7 KB)
4	Colin Grenfell (PDF - 110.9 KB)	3	07/08/2017
	Attachment: Three charts which summarise some of the "Balanced" portfolio results up to 30 June 2017 (PDF - 156.8 KB)	1	07/08/2017
5	ISA (PDF - 578.9 KB)	17	08/08/2017
6	Danny Hannan (PDF - 123.9 KB)	2	09/08/2017
	Danny Hannan (Word - 13.7 KB)
7	Renuka Deane (PDF - 51.2 KB)	1	10/08/2017
	Renuka Deane (Word - 13.2 KB)
8	Paul Greene (PDF - 55.3 KB)	1	15/08/2017
	Paul Greene (Word - 14.0 KB)
9	Robin Gandevia (PDF - 41.0 KB)	1	15/08/2017
	Robin Gandevia (Word - 13.0 KB)
10	Alan Graham (PDF - 79.3 KB)	1	15/08/2017
	Alan Graham (Word - 14.9 KB)
11	Russell Morse (PDF - 63.4 KB)	2	15/08/2017
	Russell Morse (Word - 13.9 KB)
12	Greg Angelo (PDF - 75.2 KB)	2	16/08/2017
	Greg Angelo (Word - 15.7 KB)
13	Geoff Ashurst (PDF - 58.0 KB)	1	16/08/2017
	Geoff Ashurst (Word - 12.0 KB)
14	Alan Clapham (PDF - 43.1 KB)	1	16/08/2017
	Alan Clapham (Word - 13.7 KB)
15	Heather Martin (PDF - 67.6 KB)	2	18/08/2017
	Heather Martin (Word - 13.5 KB)
16	Tailored Superannuation Solutions Ltd (PDF - 901.1 KB)	14	18/08/2017
	Attachment: Innovation in Superannuation - Smart MySuper Defaults (PDF - 1.7 MB)	32	18/08/2017
17	Madonna Waugh (PDF - 120.9 KB)	11	18/08/2017
	Madonna Waugh (Word - 21.9 KB)
18	Rhett Ayliffe (PDF - 96.3 KB)	1	18/08/2017
19	Murray Williamson (PDF - 95.2 KB)	1	18/08/2017
	Murray Williamson (Word - 12.5 KB)
20	Ursula Gee (PDF - 34.5 KB)	1	18/08/2017
21	Dr and Mrs Nick and Virginia Jacques (PDF - 90.8 KB)	1	20/08/2017
	Dr and Mrs Nick and Virginia Jacques (Word - 14.7 KB)
22	Randall Kingsley (PDF - 145.0 KB)	4	21/08/2017
	Randall Kingsley (Word - 19.8 KB)
23	Angus Thomson (PDF - 21.5 KB)	1	21/08/2017
24	United Voice (PDF - 617.3 KB)	12	21/08/2017
25	Ilias Boutsiavaras (PDF - 337.2 KB)	1	21/08/2017
26	Financial Planning Association (PDF - 35.6 KB)	4	21/08/2017
27	Robin Town (PDF - 67.8 KB)	2	21/08/2017
	Robin Town (Word - 16.1 KB)
28	Australian Services Union (ASU) (PDF - 102.1 KB)	9	21/08/2017
29	Maurice Blackburn (PDF - 571.5 KB)	10	21/08/2017
30	Vision Super (PDF - 241.2 KB)	9	21/08/2017
31	Bruce Munro (PDF - 127.4 KB)	2	21/08/2017
	Bruce Munro (Word - 15.5 KB)
32	BT Financial Group (BTFG) (PDF - 439.1 KB)	8	21/08/2017
33	Australian Private Equity and Venture Capital Association Limited (AVCAL) (PDF - 365.8 KB)	10	21/08/2017
34	Mine Wealth and Wellbeing Superannuation Fund (Mine Super) (PDF - 101.9 KB)	7	21/08/2017
35	Drs Robert Bianchi, Michael Drew and Adam Walk (PDF - 71.1 KB)	9	21/08/2017
36	Grow Super (PDF - 249.1 KB)	14	21/08/2017
37	First State Super (PDF - 980.7 KB)	18	21/08/2017
38	David Hemming and Daphne Delliou (PDF - 74.0 KB)	2	21/08/2017
	David Hemming and Daphne Delliou (Word - 13.7 KB)
39	Australian Institute of Superannuation Trustees (AIST) (PDF - 845.1 KB)	112	21/08/2017
	Australian Institute of Superannuation Trustees (AIST) (Word - 316.8 KB)
40	Nicolaas Smit (PDF - 118.7 KB)	1	21/08/2017
41	Breast Cancer Network Australia (BCNA) (PDF - 366.2 KB)	4	21/08/2017
42	SuperChoice (PDF - 133.3 KB)	3	21/08/2017
	SuperChoice (Word - 821.4 KB)
43	Australian Super (PDF - 475.8 KB)	24	21/08/2017
44	MS Australia (MSA) (PDF - 119.8 KB)	5	22/08/2017
45	Gateway Network Governance Body Limited (GNGB) (PDF - 188.9 KB)	6	22/08/2017
	Gateway Network Governance Body Limited (GNGB) (Word - 82.7 KB)
46	Rice Warner (PDF - 1.1 MB)	30	23/08/2017
47	Association of Superannuation Funds of Australia (ASFA) (PDF - 447.4 KB)	29	23/08/2017
48	ClearView (PDF - 1.1 MB)	6	23/08/2017
49	REST Industry Super (REST) (PDF - 427.6 KB)	14	23/08/2017
50	Australian Council of Trade Unions (ACTU) (PDF - 330.0 KB)	17	23/08/2017
51	Name withheld * in confidence content omitted	-	-
52	Name withheld * in confidence content omitted	-	-
53	Independent Fund Administrators and Advisers Pty Ltd (IFAA), QIEC Super and Club Super (PDF - 304.8 KB)	9	23/08/2017
54	Gateway Association and Transaction Exchange (GATE) (PDF - 125.1 KB)	6	24/08/2017
55	Consumer Action Law Centre, Berrill & Watson Lawyers, Chronic Illness Alliance (PDF - 423.6 KB)	9	24/08/2017
56	Rice Warner (PDF - 486.4 KB)	21	28/08/2017
	Attachment: Expected Investment Returns of Asset Classes 2017 (PDF - 664.7 KB)	9	28/08/2017
57	Mercer (PDF - 279.3 KB)	16	28/08/2017
58	Cbus (PDF - 243.3 KB)	7	28/08/2017
59	Industry Super Australia (ISA) (PDF - 612.0 KB)	25	29/08/2017
60	Self-managed Independent Superannuation Funds Association (SISFA) (PDF - 1.4 MB)	68	30/08/2017
61	Dixon Advisory (PDF - 471.0 KB)	8	31/08/2017
62	PricewaterhouseCoopers (PwC) (PDF - 222.4 KB)	9	01/09/2017
63	MLC and National Australia Bank (NAB Wealth) (PDF - 45.7 KB)	2	01/09/2017
	Attachment: Submission continued (PDF - 447.5 KB)	33	01/09/2017
64	Revenue Review Foundation (PDF - 33.1 KB)	3	04/09/2017
	Attachment: Response to Re:Think (PDF - 1.0 MB)	43	04/09/2017
65	Australian Lawyers Alliance (ALA) (PDF - 447.6 KB)	12	04/09/2017
66	Colonial First State (PDF - 32.5 KB)	1	04/09/2017
67	SMSF Association (SMSFA) (PDF - 400.1 KB)	12	04/09/2017
68	MetLife Insurance Limited (MetLife) (PDF - 410.0 KB)	9	04/09/2017
69	Financial Services Council (FSC) (PDF - 557.7 KB)	17	06/09/2017
70	HESTA (PDF - 509.8 KB)	10	06/09/2017
71	CHOICE (PDF - 458.2 KB)	17	06/09/2017
72	MLC Life Insurance (PDF - 255.6 KB)	11	08/09/2017
73	ANZ (PDF - 602.7 KB)	21	08/09/2017
74	Nicholas Barr and Peter Diamond (PDF - 356.6 KB)	26	13/09/2017
	Nicholas Barr and Peter Diamond (Word - 180.8 KB)
75	Actuaries Institute (PDF - 418.0 KB)	9	13/09/2017
76	AIA Australia (PDF - 668.2 KB)	33	13/09/2017
77	Ron Bone (PDF - 59.0 KB)	2	15/09/2017
	Ron Bone (Word - 84.9 KB)
78	Name withheld * in confidence content omitted	-	-
79	Self-managed Independent Superannuation Funds Association (SISFA) (PDF - 609.4 KB)	3	22/09/2017
80	AMP (PDF - 336.2 KB) * in confidence content omitted; # offline attachments	7	22/09/2017
81	Perry Giannapolous (PDF - 4.9 MB)	25	23/09/2017
82	Name withheld * in confidence content omitted	-	-
83	Trevor Williams (PDF - 64.9 KB)	1	10/10/2017
	Trevor Williams (Word - 13.8 KB)
84	John Gregan (PDF - 155.2 KB)	6	15/10/2017
	John Gregan (Word - 20.3 KB)
85	Sean Murphy (PDF - 20.5 KB)	2	16/10/2017
	Attachment: The Uncertain Path of Superannuation Reform - speech by Peter Costello AC (PDF - 230.4 KB)	12	15/10/2017
86	ClearView (PDF - 120.8 KB)	7	18/10/2017
87	Industry Super Australia (ISA) (PDF - 2.3 MB)	37	19/10/2017
88	Jeff Humphreys (PDF - 461.9 KB)	2	19/10/2017
	Attachment: Group Insurance - Structures of the Future (PDF - 482.9 KB)	42	19/10/2017
89	Australian Prudential Regulation Authority (APRA) (PDF - 139.3 KB)	6	06/11/2017
90	Australian Securities and Investments Commission (ASIC) (PDF - 3.2 MB)	6	28/11/2017
91	Donald Young (PDF - 69.7 KB)	1	04/12/2017
	Donald Young (Word - 14.5 KB)
92	Kevin Liu and Elizabeth Ooi (PDF - 567.8 KB)	38	19/02/2018
93	Michael Altenburger (PDF - 45.2 KB)	2	01/03/2018
	Michael Altenburger (Word - 14.8 KB)
94	Name withheld * in confidence content omitted	-	-
95	Name withheld (PDF - 36.6 KB)	1	23/03/2018
	Name withheld (Word - 11.6 KB)
96	Industry Super Australia (PDF - 1.7 MB)	47	04/04/2018
97	Name withheld (PDF - 47.2 KB)	2	27/03/2018
	Name withheld (Word - 14.8 KB)
98	Name withheld (PDF - 110.0 KB)	1	12/03/2018
	Name withheld (Word - 15.0 KB)
99	Australian Institute of Superannuation Trustees (AIST) (PDF - 401.8 KB)	8	12/04/2018
100	Industry Super Australia (ISA) (PDF - 1.3 MB)	94	26/04/2018

Submissions received after the release of the draft report are listed here.
No.	Name	Pages	Received
DR101	Matt Hawthorn (PDF - 58.1 KB)	3	29/05/2018
	Matt Hawthorn (Word - 15.0 KB)
DR102	Marko Jakovich (PDF - 45.8 KB)	1	29/05/2018
	Marko Jakovich (Word - 15.9 KB)
DR103	Name withheld (PDF - 40.4 KB)	1	29/05/2018
	Name withheld (Word - 12.5 KB)
DR104	Tom Geiser (PDF - 34.1 KB)	1	29/05/2018
	Tom Geiser (Word - 11.6 KB)
DR105	Paul Kershaw (PDF - 45.9 KB)	1	30/05/2018
	Paul Kershaw (Word - 12.2 KB)
DR106	Geoff Nattrass (PDF - 54.9 KB)	2	31/05/2018
	Geoff Nattrass (Word - 15.8 KB)
DR107	Kyle Ringrose (PDF - 123.0 KB)	2	31/05/2018
	Kyle Ringrose (Word - 23.5 KB)
	Attachment 1: Measuring performance for 'long horizon' investing (PDF - 568.2 KB)	14	31/05/2018
	Attachment 1: Measuring performance for 'long horizon' investing (Word - 601.0 KB)
	Attachment 2: Investment risk of a defined contribution fund (PDF - 299.1 KB)	8	31/05/2018
	Attachment 2: Investment risk of a defined contribution fund (Word - 209.4 KB)
DR108	Elizabeth Sheedy and Denise Jepsen (PDF - 910.8 KB)	39	03/06/2018
DR109	Colin Beszant (PDF - 46.7 KB)	2	06/06/2018
	Colin Beszant (Word - 13.4 KB)
DR110	Anup Basu (PDF - 115.1 KB)	3	04/06/2018
DR111	Chris Delaney (PDF - 36.4 KB)	1	05/06/2018
	Chris Delaney (Word - 11.7 KB)
DR112	Ian Gillard (PDF - 59.5 KB)	3	09/06/2018
	Ian Gillard (Word - 15.9 KB)
DR113	Roll-it Super (PDF - 230.8 KB)	6	18/06/2018
	Roll-it Super (Word - 1.4 MB)
DR114	Louise Lindsay (PDF - 272.1 KB)	2	19/06/2018
DR115	Colin Goodwin (PDF - 132.5 KB)	3	22/06/2018
	Colin Goodwin (Word - 51.3 KB)
DR116	Roger Cohen (PDF - 315.2 KB)	2	30/05/2018
	Attachment: Retirement Planning 101, or: How I Learned to Stop Worrying and Love the SMSF (PDF - 315.8 KB)	5	30/05/2018
DR117	Anthony Slade (PDF - 42.2 KB)	1	26/06/2018
	Anthony Slade (Word - 12.5 KB)
DR118	Geoff Warren (PDF - 224.9 KB)	8	28/06/2018
	Geoff Warren (Word - 120.5 KB)
DR119	Voicce (PDF - 96.5 KB)	1	22/06/2018
	Voicce (Word - 12.1 KB)
DR120	Victims of Financial Fraud (VOFF Inc) (PDF - 95.0 KB)	6	29/06/2018
	Attachment: ASIC 'Appendix 4' (PDF - 58.2 KB)	2	29/06/2018
DR121	Australian Ethical Investment (PDF - 347.4 KB)	3	06/07/2018
DR122	Michael Gilligan (PDF - 604.9 KB)	16	08/07/2018
DR123	Hayden Financial Services (PDF - 99.4 KB)	2	06/07/2018
	Hayden Financial Services (Word - 42.5 KB)
DR124	Nicholas Morris (PDF - 235.6 KB)	14	07/07/2018
DR125	Queensland Nurses and Midwives’ Union (QNMU) (PDF - 718.5 KB)	13	09/07/2018
DR126	Peter Vann (PDF - 170.7 KB)	5	09/07/2018
	Peter Vann (Word - 30.5 KB)
DR127	National Foundation for Australian Women (NFAW) (PDF - 587.8 KB)	11	11/07/2018
	National Foundation for Australian Women (NFAW) (Word - 248.1 KB)
DR128	Australian Lawyers Alliance (ALA) (PDF - 614.9 KB)	11	11/07/2018
DR129	PricewaterhouseCoopers (PwC) (PDF - 411.3 KB)	12	11/07/2018
DR130	Australian Institute of Superannuation Trustees (AIST) (PDF - 1.1 MB)	72	13/07/2018
DR131	Aaron Minney (PDF - 330.5 KB)	7	12/07/2018
	Aaron Minney (Word - 204.6 KB)
DR132	Corporate Superannuation Association (PDF - 964.1 KB)	7	12/07/2018
DR133	iLuvSuper.com.au (PDF - 57.7 KB)	2	12/07/2018
	iLuvSuper.com.au (Word - 69.6 KB)
DR134	UniSuper (PDF - 310.1 KB)	8	12/07/2018
	UniSuper (Word - 2.2 MB)
DR135	Dimensional Fund Advisors (PDF - 91.5 KB)	4	12/07/2018
	Attachment: Making STRIDEs in Evaluating the Performance of Retirement Solutions (PDF - 4.9 MB)	45	12/07/2018
DR136	Independent Fund Administrators and Advisers Pty Ltd (IFAA) (PDF - 237.4 KB)	6	12/07/2018
	Independent Fund Administrators and Advisers Pty Ltd (IFAA) (Word - 50.6 KB)
DR137	Qantas Super (PDF - 806.5 KB)	41	12/07/2018
DR138	IOOF Holdings Limited (PDF - 169.8 KB)	8	12/07/2018
DR139	Kevin Liu (PDF - 145.1 KB)	3	12/07/2018
	Attachment: When boards use related parties: outsourcing and superannuation fund performance (PDF - 253.5 KB)	32	12/07/2018
DR140	Neville Gordon (PDF - 113.4 KB)	1	12/07/2018
	Neville Gordon (Word - 14.5 KB)
DR141	Centre for Law, Markets and Regulation - UNSW Law (PDF - 517.3 KB)	5	13/07/2018
DR142	Lifetime Income Pty Ltd (PDF - 120.1 KB)	7	13/07/2018
DR143	Responsible Investment Association Australasia (RIAA) (PDF - 180.3 KB)	7	13/07/2018
DR144	Challenger Limited (PDF - 333.4 KB)	13	13/07/2018
DR145	Name Withheld * in confidence content omitted	-	-
DR146	Financial Planning Association (PDF - 193.5 KB)	19	13/07/2018
DR147	Workplace Super Specialists of Australia (WSSA) (PDF - 154.0 KB)	9	13/07/2018
DR148	Association of Superannuation Funds of Australia (ASFA) (PDF - 817.5 KB)	78	13/07/2018
DR149	BT Financial Group (PDF - 567.4 KB)	17	13/07/2018
DR150	AustralianSuper (PDF - 431.8 KB)	17	13/07/2018
DR151	Anthony Asher (PDF - 220.9 KB)	8	13/07/2018
	Anthony Asher (Word - 41.5 KB)
	Attachment: Indexed annuity bonds – a market failure to create the ideal pension investment? (PDF - 600.6 KB)	24	13/07/2018
	Attachment: Indexed annuity bonds – a market failure to create the ideal pension investment? (Word - 915.2 KB)
DR152	Governance Institute of Australia (PDF - 177.5 KB)	7	13/07/2018
	Attachment: Good Governance Guide - Creating and disclosing a board skills matrix (PDF - 176.1 KB)	7	13/07/2018
DR153	Ian McAuley (PDF - 230.1 KB)	3	14/07/2018
	Ian McAuley (Word - 111.9 KB)
	Attachment: Supermodel (XLSX - 74.4 KB)
DR154	Nicholas Barr and Peter Diamond (PDF - 275.4 KB)	18	18/07/2018
	Nicholas Barr and Peter Diamond (Word - 151.3 KB)
DR155	Vanguard Investments Australia Limited (PDF - 329.8 KB) * in confidence content omitted; # offline attachments	12	12/07/2018
DR156	Tailored Superannuation Solutions Ltd (PDF - 899.2 KB)	26	12/07/2018
DR157	QIEC Super and Club Super (PDF - 468.3 KB)	28	13/07/2018
DR158	Prime Super (PDF - 317.7 KB)	23	13/07/2018
DR159	Link Group (PDF - 312.9 KB)	19	13/07/2018
DR160	Due Governance (PDF - 434.1 KB)	19	13/07/2018
DR161	Peterson Research Institute (PDF - 213.6 KB)	12	13/07/2018
DR162	Industry Super Australia (ISA) (PDF - 686.9 KB)	46	13/07/2018
DR163	Colonial First State (PDF - 113.3 KB)	9	13/07/2018
DR164	Australian Institute of Company Directors (AICD) (PDF - 125.2 KB)	6	13/07/2018
DR165	First State Super (PDF - 575.7 KB)	19	13/07/2018
DR166	Moneytree Financial Technology Pty Ltd (PDF - 29.2 KB)	1	13/07/2018
DR167	SuperRatings (PDF - 716.3 KB)	15	13/07/2018
DR168	QSuper (PDF - 390.8 KB) * in confidence content omitted; # offline attachments	22	15/07/2018
	QSuper (Word - 198.7 KB)
DR169	Richard Wilkins (PDF - 169.1 KB)	7	15/07/2018
	Richard Wilkins (Word - 60.0 KB)
DR170	Victims of Financial Fraud (VOFF) (PDF - 47.1 KB)	2	12/07/2018
DR171	Rest Industry Super (PDF - 248.7 KB)	19	13/07/2018
DR172	Deloitte Touche Tohmatsu (Deloitte) (PDF - 152.8 KB)	3	13/07/2018
	Deloitte Touche Tohmatsu (Deloitte) (Word - 251.0 KB)
DR173	Association of Financial Advisers (AFA) (PDF - 333.1 KB)	14	17/07/2018
DR174	National Australia Bank (NAB) - MLC Wealth (PDF - 836.5 KB) * in confidence content omitted; # offline attachments	41	14/07/2018
DR175	Mercer (PDF - 1.9 MB)	51	17/07/2018
	Mercer (Word - 1.3 MB)
DR176	Berrill and Watson Lawyers (PDF - 256.5 KB)	14	18/07/2018
DR177	Cbus Super (PDF - 1.3 MB)	31	18/07/2018
DR178	Slater and Gordon Lawyers (PDF - 911.6 KB)	9	18/07/2018
DR179	HESTA Super (PDF - 219.9 KB)	5	19/07/2018
DR180	Name withheld * in confidence content omitted	-	-
DR181	Australian Industry Group (PDF - 1.1 MB)	11	20/07/2018
DR182	MetLife Australia (PDF - 569.5 KB)	9	20/07/2018
DR183	KPMG (PDF - 594.2 KB)	12	20/07/2018
	KPMG (Word - 435.5 KB)
DR184	CHOICE (PDF - 523.5 KB)	21	20/07/2018
DR185	Australian Council of Trade Unions (ACTU) (PDF - 196.2 KB)	8	20/07/2018
DR186	Financial Services Council (PDF - 610.2 KB)	32	20/07/2018
DR187	Australian Private Equity and Venture Capital Association (PDF - 335.0 KB)	3	16/07/2018
DR188	Consumers’ Federation of Australia (PDF - 105.2 KB)	2	19/07/2018
	Attachment: Business case for the Superannuation Consumers’ Centre (PDF - 876.7 KB)	64	19/07/2018
DR189	Chartered Accountants ANZ (PDF - 788.4 KB)	13	20/07/2018
DR190	Class Ltd (PDF - 452.0 KB)	8	20/07/2018
	Class Ltd (Word - 562.5 KB)
DR191	Chant West (PDF - 831.1 KB)	28	23/07/2018
DR192	Investment Analytics Research (PDF - 75.8 KB)	9	23/06/2018
	Attachment: Measured Investment Inefficiency of the Australian Superannuation System (PDF - 294.7 KB)	24	23/07/2018
DR193	TAL Life Limited (PDF - 275.6 KB)	11	24/07/2018
DR194	Self-Managed Super Fund Association (SMSFA) (PDF - 804.7 KB)	44	24/07/2018
DR195	KPA Advisory Services (PDF - 1.0 MB)	4	10/06/2018
DR196	Consumer Policy Research Centre (CPRC) (PDF - 4.7 MB)	15	20/07/2018
	Attachment: Five preconditions of effective engagement - a conceptual framework (PDF - 7.1 MB)	72	20/07/2018
DR197	Sunsuper (PDF - 985.3 KB)	58	27/07/2018
DR198	Australian Institute of Superannuation Trustees (AIST) (PDF - 206.0 KB)	8	20/07/2018
	Australian Institute of Superannuation Trustees (AIST) (Word - 121.1 KB)
DR199	Financial Services Council (FSC) (PDF - 451.2 KB)	20	30/07/2018
	Attachment: Analysis of Productivity Commission's 'best in show' default superannuation model (PDF - 1.4 MB)	24	30/07/2018
DR200	Hazel Bateman and Susan Thorp (PDF - 301.5 KB)	5	30/07/2018
	Attachment: Supporting document (PDF - 279.7 KB)	1	30/07/2018
DR201	David Bell (PDF - 958.4 KB)	15	30/07/2018
DR202	Rice Warner (PDF - 753.4 KB) * in confidence content omitted; # offline attachments	9	31/07/2018
DR203	Council of Small Business Organisations of Australia (COSBOA) (PDF - 94.5 KB)	6	01/08/2018
	Attachment: Copy of submission made in 2013 (PDF - 827.5 KB)	12	01/08/2018
	Attachment: Copy of submission made in 2013 (Word - 488.7 KB)
DR204	Australian Prudential Regulation Authority (APRA) (PDF - 444.0 KB)	20	03/08/2018
DR205	Salvador Valdés-Prieto (PDF - 399.2 KB)	4	06/08/2018
DR206	Australian Securities and Investments Commission (ASIC) (PDF - 388.8 KB)	28	07/08/2018
DR207	Drew - Walk and Co (PDF - 100.7 KB)	5
DR208	Phillip Hudson (PDF - 53.7 KB)	1	03/08/2018
	Attachment: Bring Forward Rule (PDF - 189.4 KB)	4	03/08/2018
DR209	BT Financial Group * in confidence content omitted	-	-
DR210	Wilson Sy (PDF - 73.8 KB)	9	12/08/2018
DR211	Ian Gillard (PDF - 100.2 KB)	2	28/08/2018
DR212	Matthew Vagg (PDF - 74.0 KB) * in confidence content omitted; # offline attachments	1	25/09/2018
	Matthew Vagg (Word - 12.5 KB)
DR213	Council for the National Interest (PDF - 23.9 KB)	1	09/10/2018
	Attachment: Letter to Minister O'Dwyer (PDF - 38.8 KB)	2	09/10/2018
DR214	Superannuation Consumers’ Centre (SCC) (PDF - 762.3 KB)	1	07/11/2018
	Attachment: Superannuation Consumers’ Centre Business Case (PDF - 1.5 MB)	52	07/11/2018
DR215	Vanguard Investments Australia * in confidence content omitted	-	-
DR216	Class Limited (PDF - 318.0 KB)	9	09/11/2018
	Class Limited (Word - 400.4 KB)
DR217	QSuper (PDF - 171.1 KB)	4	09/11/2018
DR218	Financial Services Council (FSC) (PDF - 264.0 KB)	15	09/11/2018
DR219	Robert Johnson (PDF - 219.4 KB)	4	11/11/2018
DR220	BT Financial Group * in confidence content omitted	-	-
DR221	Association of Superannuation Funds of Australia (ASFA) (PDF - 248.4 KB)	7	12/11/2018
DR222	AustralianSuper (PDF - 382.1 KB)	3	12/11/2018
DR223	National Australia Bank Limited (NAB) (PDF - 421.7 KB)	8	12/11/2018
DR224	Chant West (PDF - 1.4 MB)	7	14/11/2018
DR225	Rice Warner (PDF - 633.8 KB)	3	14/11/2018
DR226	Elizabeth Blythe (PDF - 39.0 KB)	1	18/06/2018
	Elizabeth Blythe (Word - 12.5 KB)
DR227	CSF Pty Ltd * in confidence content omitted	-	-
DR228	Dixon Advisory * in confidence content omitted	-	-
DR229	Vanguard Investments Australia (PDF - 514.2 KB)	3	17/11/2018
DR230	SMSF Association (PDF - 610.8 KB)	3	23/11/2018
DR231	Industry Super Australia (ISA) (PDF - 1.7 MB)	22	30/11/2018
DR232	Industry Super Australia (ISA) (PDF - 72.3 KB)	4	04/12/2018

Stage 3: Assessing efficiency and competitiveness

Submissions

Correspondence

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Stage 3: Assessing efficiency and competitiveness

Submissions

Initial submissions (100)

Post-draft submissions (132)

Correspondence

Follow us for updates