Kel Galavan

And you understand that if you leave it for the long term, you've got a better chance of return.

Well, then your pension advisor will most likely put you into a fund or a choice of funds that have more shares, more exposure to the market, more options where you could have growth.

But when you bring on the option of more growth, you are taking on more risk.

Got it.

Kel, what questions do you still have about it?

A lot of questions, to be honest.

So I'm going to say I am really pro anything that puts more money in the average person's pocket.

We are in a cost of living reality.

I don't think it's a crisis anymore.

Crisis would kind of imply that it's acute and it might go away.

Temporary, yeah.

This is chronic.

This has been going on for a long, long time.

So I believe...

Unfortunately, that this is our life going forward and with everything that's going on, it may not get better anytime soon.

So anything, anything that helps people keep a bit more money or have hope that it will grow over time is a good thing in my book.

But to answer your question, one of my questions, I have a lot.

So will this be a savings type scheme or an investment type scheme?

Will it be a mix of both?

We need clarity on that.