For a nation of gamblers with high exposure to the stock market, the risks surrounding retirement investment decisions are rife. According to the Organisation for Economic Co-operation and Development (OECD), Australians are the most aggressive investors in the world, but the biggest threat to their retirement savings is more than behavioural. It’s in the structure of the existing superannuation system that places risk firmly in the hands of the retirement saver. Suggested alternatives, however, may also inhibit wealth building.