It's been nearly two decades since compulsory superannuation was introduced, giving rise to the idea that we might have an adequate income in retirement. In 1992, the amount employers had to contribute to their workers' super accounts was set at 3% of their wages. By 2002, that super guarantee had increased to 9%. But most experts agree even this won't be enough to give most people the retirement they expect. A long-time advocate of lifting the compulsory levy to 15% is the former prime minister and architect of Australia's compulsory superannuation system, Paul Keating.