A four-person lunch at the India House restaurant in Melbourne, on Wednesday, January 30, 1991, is the key reason Australians now pay 10.5 per cent of their wages into super, rising to 12 per cent by 2025.

That conversation over tandoori chicken and pakoras would lay the ground rules for a superannuation system that became today’s extraordinary financial force – one that is increasingly powerful internationally as well as domestically, with more massive growth guaranteed into the future.