MSBS might not be the best super system but it does have significant andvantages. Speaking from experience, if you leave the ADF and rejoin some years later, your previous services count towards the factoring of you employer benefit. Even full time reserve work increases the formula amount. Most people do not comprehend that up to 7 years accumulated service you get 18% of your salary in employer contributions, and it goes to 23% after 7 years, and 28% after 20 years, all with no fees. This is very good by national standards, but as discussed here it only grows by CPI. Unfortunately you cannot yet SAL Sacrifice into MSBS, but they indicated you may be able to soon. Also most civil employers consider super to be part of the renumeration 'package', but ADF employees don't seem to consider super like this.
The rolling of FLYALLOW into salary has not occurred, however I am attending a meeting in Canberra in a few weeks which may indicated the progress in this area -will post here if so.
RM
