The government also needs to  consider re-introducing incentives  for people to save substantially  more superannuation than they  are at present. For people in midcareer,  in almost all cases, the SGC  regardless of the percentage will not  be sufficient to provide adequate  retirement income.  Without increased  superannuation savings, scores of  Australians will have to rely on a  welfare system that will be weighed  down by an ageing population and  increasing budgetary pressure.  John Brogden is chief executive  officer of IFSA