Well it could be worse, you could have a retirement fund with some superannuation company or bank who just decide to help themselves to it for reasons and then go bust and then the money goes poof and you have absolutely no recourse whatsoever available to you, too bad so sad, meanwhile the government will bail their poor blameless friends at the company or bank out.

_{have heard of that happening before}

Swimming daily sounds great! Kind of wish I lived near the beach again.