superannuation

简明释义

英[/ˌsuːpərˌænjuˈeɪʃən/]美[/ˌsuːpərˌænjuˈeɪʃən/]

n. 退休；退休金；废弃；陈旧

英英释义

单词用法

同义词

反义词

例句

1.We don't get this income directly to spend now - it is in our superannuation.

我们没有直接获得收入可以花费，它在我们的养老金里。

2.Income from personal exertion includes consisting of earnings, salaries, wages, commissions, fees, bonuses, pensions, superannuation, allowances, retiring gratuities, and so on.

个人劳动的所得包括：赚的钱、薪水、工资、佣金、收费、奖金、养老金、津贴、退休金等。

3.Income from personal exertion includes consisting of earnings, salaries, wages, commissions, fees, bonuses, pensions, superannuation, allowances, retiring gratuities, and so on.

个人劳动的所得包括：赚的钱、薪水、工资、佣金、收费、奖金、养老金、津贴、退休金等。

4.One of the most inspired was superannuation, a long word meaning private pension provision that the all-abbreviating Aussies call their "super".

最成功之一是退休金政策，这一个长词指的是个人退休保障基金，澳洲人惯用其简略词“超级”。

5.I don't know, I'd rather age gracefully and spend my superannuation on a European holiday...

我真不明白，我宁可优雅的老去，把退休金花去在欧洲度假上。

6.Michael Davison, CPA Australia's superannuation policy adviser, stresses the need to check your super.

迈克尔·戴维森，澳洲会计师的年金政策顾问强调要检查你的超级。

7.Superannuation is a new thing in China.

企业年金在中国是个新生事物。

8.Are you aware of the superannuation guarantee obligations on an employer?

作为雇主你知道缴纳养老金的义务吗？

9.Understanding the rules surrounding superannuation 退休金 can help you maximize your retirement savings.

了解有关superannuation 退休金 的规则可以帮助您最大化退休储蓄。

10.You should regularly review your superannuation 退休金 statements to ensure they are accurate.

您应该定期查看您的superannuation 退休金 报表，以确保其准确无误。

11.Many Australians rely on their superannuation 退休金 as a major source of income in retirement.

许多澳大利亚人在退休时依赖他们的superannuation 退休金 作为主要收入来源。

12.Many employees contribute a portion of their salary to their superannuation 退休金 fund each month.

许多员工每月将一部分工资贡献给他们的superannuation 退休金 基金。

13.The government offers tax incentives for contributions to superannuation 退休金 accounts.

政府为对superannuation 退休金 账户的贡献提供税收优惠。

作文

In today's rapidly changing world, planning for retirement has become more crucial than ever. One of the key concepts associated with retirement planning is superannuation, which refers to a system of retirement savings that is often mandated by law in many countries. Understanding superannuation is essential for anyone looking to secure their financial future as they approach retirement age. In essence, superannuation serves as a long-term savings plan designed to provide individuals with income after they retire from work. The concept of superannuation originated in Australia, where it was first introduced in the 1980s. The Australian government recognized the need for a more sustainable retirement income system, leading to the establishment of compulsory superannuation contributions from employers. This means that a portion of an employee's salary is set aside and invested in a superannuation fund, which grows over time. The funds accumulated in these accounts are intended to provide financial support during retirement when individuals may no longer have a steady income from employment.One of the main advantages of superannuation is its tax benefits. Contributions made to a superannuation fund are often taxed at a lower rate than regular income, allowing individuals to save more effectively for their retirement. Additionally, the investment returns on superannuation funds are also taxed at a favorable rate, further enhancing the growth of retirement savings. This tax-effective structure encourages individuals to prioritize their retirement savings and contribute regularly to their superannuation accounts.Moreover, superannuation funds typically offer a range of investment options, allowing individuals to choose how their money is managed. These options can include stocks, bonds, real estate, and other investment vehicles. By diversifying their investments within their superannuation fund, individuals can potentially increase their returns and build a more substantial nest egg for retirement. However, it is essential for individuals to understand their risk tolerance and investment goals when selecting their superannuation investment strategy.Another critical aspect of superannuation is its accessibility. While the primary purpose of superannuation is to provide income during retirement, there are circumstances under which individuals can access their funds earlier. For example, in cases of severe financial hardship or specific medical conditions, individuals may be allowed to withdraw a portion of their superannuation savings. However, these provisions are usually regulated to ensure that individuals do not deplete their retirement savings prematurely.In conclusion, understanding superannuation is vital for anyone who wants to plan effectively for their retirement. It is a powerful tool that not only promotes saving but also provides various tax advantages and investment opportunities. As people live longer and retirement ages increase, having a solid superannuation strategy in place becomes increasingly important. By prioritizing superannuation contributions and making informed investment choices, individuals can enhance their financial security and enjoy a comfortable retirement. Therefore, taking the time to learn about superannuation and its benefits is an investment in one’s future well-being.

在当今迅速变化的世界中，为退休进行规划变得比以往任何时候都重要。与退休规划相关的一个关键概念是养老金，它指的是一种退休储蓄系统，在许多国家通常是法律所强制要求的。理解养老金对任何希望在接近退休年龄时保障自己财务未来的人来说都是至关重要的。从本质上讲，养老金作为一种长期储蓄计划，旨在为个人在退休后提供收入。养老金的概念起源于澳大利亚，最早是在1980年代引入的。澳大利亚政府认识到需要一种更可持续的退休收入系统，从而建立了强制性养老金雇主缴款。这意味着员工工资的一部分将被预留并投资于养老金基金，这些资金随着时间的推移而增长。这些账户中累积的资金旨在在个人退休后提供财务支持，当个人可能不再从就业中获得稳定收入时。养老金的主要优势之一是其税收优惠。对养老金基金的贡献通常以低于常规收入的税率征税，使个人能够更有效地为退休储蓄。此外，养老金基金的投资回报也以有利的税率征税，进一步增强了退休储蓄的增长。这种税收有效的结构鼓励个人优先考虑他们的退休储蓄，并定期向他们的养老金账户进行贡献。此外，养老金基金通常提供多种投资选择，允许个人选择如何管理他们的资金。这些选项可以包括股票、债券、房地产和其他投资工具。通过在养老金基金中分散投资，个人可以潜在地增加他们的回报并为退休建立更可观的养老资金。然而，个人在选择养老金投资策略时，了解自己的风险承受能力和投资目标至关重要。养老金的另一个关键方面是其可及性。虽然养老金的主要目的是在退休期间提供收入，但在某些情况下，个人可以提前访问他们的资金。例如，在严重经济困难或特定医疗条件的情况下，个人可能被允许提取一部分养老金储蓄。然而，这些规定通常受到监管，以确保个人不会过早耗尽他们的退休储蓄。总之，理解养老金对任何希望有效规划退休的人来说都是至关重要的。它是一种强大的工具，不仅促进储蓄，还提供各种税收优势和投资机会。随着人们的寿命延长和退休年龄的提高，拥有一个稳固的养老金策略变得越来越重要。通过优先考虑养老金的贡献并做出明智的投资选择，个人可以增强他们的财务安全感，享受舒适的退休生活。因此，花时间了解养老金及其好处是对个人未来福祉的投资。