gone the days needed to fill up the deposit form..

now just use i-akaun apps to self contribute. very fast & convenience for members 

In full agreement - 3 years move once also we headache
So those can't reach target and don't have much discipline maybe need to readjust your self contribution strategy and make sure to calculate if you are able to meet your numbers and this number will keep changing, just assume every year increase by 3% on the safe side
As long as you hit 1.5M by 2028 I believe the next review it won't impact much and dividend is more that 3% per year which is enough to cover