紧急求助：UniSuper Defined Benefit Division/Accumulation Super 2

showme

好不容易找到了工作，没想到单位还有养老金的要求，实在不了解这个养老金，来到这里紧急求助。好心人帮忙，谢谢！
事情如下，单位要求1.        “You are required to apply for membership of the UniSuper Defined Benefit Division/Accumulation Super (2). Standard employee contributions are at the rate of 7% of salary. Unisuper’s contribution flexibility program allows for a variation in your employee contribution of 0% to 7%.

单位给交17%。我自己不想交了，本来工资就没几个钱。可是，从常识理解，如果不交7%，或者reduce掉一部分，应该有一些损失，我也不懂损失什么。去找了这个super的说明，也没太看明白。不知道有没有高手曾经研究过这个呢？给些建议。小弟我在线等，谢谢啦！！！！

http://www.google.com.au/#hl=zh- ... Accumulation+Super+(2)&btnG=Google+%E6%90%9C%E7%B4%A2&oq=UniSuper+Defined+Benefit+Division%2FAccumulation+Super+(2)&aq=f&aqi=&aql=1&gs_sm=s&gs_upl=3407l3407l0l4860l1l1l0l0l0l0l203l203l2-1l1l0&bav=on.2,or.r_gc.r_pw.&fp=cc7e96d7e11ad6fc&biw=1280&bih=605

google里的第一条就是关于这个super的说明，以上为网址，但实在看不懂，不了解这东西。

具体super的网址http://www.unisuper.com.au/membe ... ed-benefit-division

[ 本帖最后由 showme 于 2011-9-22 17:35 编辑 ]

dramaking

好像澳洲法律规定是员工可以自选养老金的，公司强制加入某个养老金会不会不符合法律呢？
养老金是一定要交的，不交应该是不可以的把

上书房行走

get membership first, then you could change.

颓废的败家子

employer的是compulsory的

你自己不交是可以的 道时候改就可以了

showme

如果选了reduce，到后来是不可以再提上去的。
搞不太懂，这里有点说明
If you are an Accumulation 2 member
Your overall retirement savings will decrease because
less contributions go into your account and your lower
account balance will generate less investment returns.
If you are a Defined Benefit Division member
You must contribute at least 4.45% to maintain your full
defined benefit entitlement. If you decrease your standard
member contributions below this level, the reduction in
your defined benefit entitlements will be calculated by
adjustments to your average contribution factor.

         
7.00%         Your full defined benefit entitlement is maintained. Your 3% additional employer contribution is made into your accumulation component.          
4.45%         Your full defined benefit entitlement is maintained. Your 3% additional employer contribution, formerly made to your accumulation component, is redirected to your defined benefit component.          

4.00%         
3.00%
2.00%          
1.00%          
0.00%        Your defined benefit entitlement is scaled back in proportion to your reduced standard member contributions. Your 3% additional employer contribution, formerly made to your accumulation component, is redirected to your defined benefit component.